Restons....arrow global....hsbc confused now a step further HELP

Tids_69

So after having a letter from restons a couple months ago i sent the prove it letter....i didnt hear anything didnt think much of it.....today that changed i have had court papers land on the door mat....what do i do?

Spoonhead88

People will a lot more details

what kind of debt is it for?
How much?
what kind of court papers?
what do the papers say

National_Debtline

As Spoonhead says, if you can provide some more information people will be able to advise you. In addition to the questions Spoonhead asks, it would be good if you can summarise why you sent the prove it letter. e.g Do you dispute the debt entirely? Do you think you owe it but they may not have a credit agreement? Has it been a very long time since you ever paid anything towards the debt?

James
@natdebtline

Tids_69

Debt is a hsbc credit card
Amount with the fees is now 794 and change
The papers are wonderfully vague details are required about my budget etc..

Tids_69

I sent the prove it on advice as they may not have the origanal agreement....plus it is i believe very close if not already sattue barred.......

National_Debtline

Tids_69 wrote: »

The papers are wonderfully vague details are required about my budget etc..

Did you receive anything that says 'Claim form', or perhaps 'Judgement for Claimant'?

James
@natdebtline

Tids_69

The papaers i have just received say claim form....they have some details about the claiment then its a couple of pages about my finances and whether i accept the debt.

National_Debtline

Ok, you need to respond to the claim form with 14 days of the date of service. You can either admit liability, defend or send the Acknowledgement of Service. If you want to look into defending, either because they don’t have the CCA agreement or you think it’s statute barred, I suggest replying with the Acknowledgement of Service for now. It will grant you an additional 14 days to seek advice and file your defence.

I recommend seeking legal advice if you plan to defend. You could try:

www.lawworks.org.uk/legal-advice-individuals

www.lawcentres.org.uk/i-am-looking-for-advice

James
@natdebtline

gazzamk

Hi
I have also received this letter.
My debt relates to an overdraft, which has been sold on a few times and is now with Arrow/Restons.
They acquired it in 2014, the date of the agreement is 2004.
what is my next move ?
Do I ask for a copy of the agreement between myself and HSBC or Arrow ?
or is it, that as it is over 6 years, they cannot legally chase me.


Arrow have already had me for 12k on an mnba cc....