Good evening & thanks in advance for reading.
A few years ago (back in 2001-2003) I got myself into a load of debt. Through the next few years I struggled through & paid off, so I thought, almost everything (I did have one card debt statute barred). I'm now in a much better place - my current debt is manageable (and falling). I've repaired my credit files & been able to buy a house.
Just before the bank holiday weekend I received a letter from Restons Solicitors with regards to an old style student loan. This letter demands payment of the full amount of £1756.33 by Friday September 4th failing which they have 'strict instructions to issue a county court summons for the full balance together with accrued costs, fees and interest'.
The letter goes on to explain what a ccj is, the potential impact on my credit file & recommends I seek independent legal advice.
Obviously this letter came as a surprise out of the blue (I've not heard of Restons until today and, as I've not heard from Holors Student Loans for some years I believed that this debt was behind me).
I have typed out a template 'prove it'/'statute barred' letter from MSE and sent this out via recorded post shortly - but have read up on Restons & they appear to be unwilling to accept such letters & press ahead with court proceedings anyway - something which obviously keen to avoid.
The last time I recall dealing with this was around May 2010 - fairly sure I've not spoken or written to anyone since then.
At the time we were on holiday in Minehead & Honors (or someone acting for them) called on my mobile. I don't usually answer unknown numbers but did on that occasion. I remember the conversation because of where we were, but also because I was arguing that I thought it may be statute barred & I kept repeating that I didn't acknowledge the debt & was waiting for their reply to my letter.
I don't remember hearing anything since (I didn't let them know when I moved house & changed mobile number) and, naively, thought that it had just 'gone away'.
I took the advice from MSE & didn't sign the letter I sent and have today received a response saying that they won't acknowledge / accept the letter without my signature. I intend to post out a letter such as the one from http://www.legalbeagles.info/forums/...olicitors-help - but am concerned that they may just continue with court proceedings anyway.
Is this the best course of action for the time being?
Any advice appreciated.
Thanks.
A few years ago (back in 2001-2003) I got myself into a load of debt. Through the next few years I struggled through & paid off, so I thought, almost everything (I did have one card debt statute barred). I'm now in a much better place - my current debt is manageable (and falling). I've repaired my credit files & been able to buy a house.
Just before the bank holiday weekend I received a letter from Restons Solicitors with regards to an old style student loan. This letter demands payment of the full amount of £1756.33 by Friday September 4th failing which they have 'strict instructions to issue a county court summons for the full balance together with accrued costs, fees and interest'.
The letter goes on to explain what a ccj is, the potential impact on my credit file & recommends I seek independent legal advice.
Obviously this letter came as a surprise out of the blue (I've not heard of Restons until today and, as I've not heard from Holors Student Loans for some years I believed that this debt was behind me).
I have typed out a template 'prove it'/'statute barred' letter from MSE and sent this out via recorded post shortly - but have read up on Restons & they appear to be unwilling to accept such letters & press ahead with court proceedings anyway - something which obviously keen to avoid.
The last time I recall dealing with this was around May 2010 - fairly sure I've not spoken or written to anyone since then.
At the time we were on holiday in Minehead & Honors (or someone acting for them) called on my mobile. I don't usually answer unknown numbers but did on that occasion. I remember the conversation because of where we were, but also because I was arguing that I thought it may be statute barred & I kept repeating that I didn't acknowledge the debt & was waiting for their reply to my letter.
I don't remember hearing anything since (I didn't let them know when I moved house & changed mobile number) and, naively, thought that it had just 'gone away'.
I took the advice from MSE & didn't sign the letter I sent and have today received a response saying that they won't acknowledge / accept the letter without my signature. I intend to post out a letter such as the one from http://www.legalbeagles.info/forums/...olicitors-help - but am concerned that they may just continue with court proceedings anyway.
Is this the best course of action for the time being?
Any advice appreciated.
Thanks.
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