Restons CCJ claim / information requested not provided by them

skint-student-nurse

Hi all,

Last September, I received a CCJ claim from Restons in relation to a credit card debt (capital one) that they claimed I owed. I did not recall taking out a capital one credit card, so I filed a defence and sent a prove it letter and formal request for information,plus the credit agreement. Their response to the formal request was a copy of every DCA letter they had from cabot financial from October 2015 onwards but they were sent to my old address. I didn't receive a copy of the credit agreement from them or any other proof of actually owing this debt.

I have not heard anything back from the courts, other than an acknowledgement of my defence which was received in October, an my defense was filled within fourteen days.

Today, I received a letter from Restons saying that they want me to pay a settlement to them by the end of the month, but there is no mention of a CCJ,etc in the letter. This is the first letter in over four months from them.

Can anyone advise on what to do next? I appreciate that if I owe the money then i'll resolve the issue but I don't want to pay out a large amount of money for something I don't owe.

Many thanks

sourcrates

Hi,

Ask on legal beagles website, that's the place to go for free legal advice :

http://legalbeagles.info/library/guides_and_letters/court/