Please could someone provide some advice? I was travelling from home up M6 and was caught twice breaking the speed limit in a variable speed zone. I have set out the detail below. My biggest concern is the police service has stated they cannot deal with one offence with a fixed penalty and have referred it to the magistrates' court. Do I need to get specific legal advice, or should I turn up, tell the truth and accept the consequence (I am worried what the consequence will be). I have never been convicted of any motoring offence. Received NoIP on 23/06/2023 detailing the offence: exceed a variable speed limit - automatic camera device recorded speed 68mph in a 40mph limit at 09:22 on 11/05/2023 @ M6 Northbound between junctions 13-14 (approx 2 1/2 miles after junction 13). The letter was dated 14/06/2023 Received NoIP on 25/06/2023 detailing the offence: exceed a temporary 50mph speed restriction on a motorway - automatic camera device recorded speed 60mph in a 50mph limit at 09:43 on 11/05/2023 @ M6 junction 16. The letter was dated 21/06/2023 I responded to both NIP172 forms and asked if they could consider the two offences as one offence. I received a reply dated 10/07/2023 stating that they could not consider the offences as one offence. I understand that it is their call and accept that. I received a further letter dated 22/07/2023 regarding the offence of exceed a variable speed limit - automatic camera device recorded speed 68mph in a 40mph limit setting out that "due to the excessively high speed of your vehicle it is not possible to deal with this matter through the fixed penalty scheme. The matter will now have to be placed before the court to be heard by a Magistrate. This is the bit I really need help with. I received a further letter dated 25/07/2023 regarding the offence of exceed a temporary 50mph speed restriction on a motorway - automatic camera device recorded speed 60mph in a 50mph limit offering a speed awareness course, conditional offer of penalty points or opt to got to court. I intend to opt for the speed awareness course but I have delayed that until I get some advice. I know that I need to respond within 28 days. Thank you in anticipation of your help

Hi All, Just a quick update before I post an issue regarding two speeding tickets for me. We sent the response to the letter of claim, the CCA request (again), the £1 postal order and the letter of complaint addressed to the generic complaints email, the named Director and by post (signed for). We again stipulated that they must only correspond by post. To date, we have received an email that we haven't opened, but the view stated that they were investigating the complaint and would respond when this was completed. There have been no letters or further emails. We now sit back and wait to see what they respond with.

Sorry, we have not received any form. Only the two letters I’ve uploaded. Should I follow the instructions on the link to PAPLOC #2 and complete the form you’ve embedded even though they haven’t sent one?

Thanks folks, I really appreciate your support. I’ll get this off by signed for post tomorrow.

I’m really sorry to be so needy. If they give 30 days from issue of PAPLOC that will take us to the 8th August. Is it worth updating the complaint to tell them we are in Ireland/away until that date? They just seem so cut throat. Despite me pleading and setting out his MH issues they just wanted the money.

We have only just sent the complaint tonight. We are not going to be at home from 25/07/23 - 7/08/23 inclusive. So its likely they will pursue this through CCJ? We still haven't seen the CCA although the representative was very clear that they had the CCA. They claimed to already have emailed it and offered to email it to me again. I asked for it to be sent by post and within the complaint I've set out that we will only deal with them by post. I find it astonishing that they start legal action within days of me contacting them myself to ask for the CCA and offer to set up a repayment plan once we ascertain if OH owns the debt.

See attached as requested. I have noticed the references to the debt jump between Lending Stream, Perch, ACI and TM Legal are quoting them all. I know for absolute fact the we haven't received any letters from at least June/July of last year. I installed an external mailbox to make sure I was getting all of the post. They also note that if they have not received a completed claim form before 9th August 2023 that they will commence legal proceedings and mention CCJ 2023-05-12 TM PAPLOC 2023-07-10 TM formal legal letter..pdf

Sorry for the silence. I have drafted the email of complaint but I’m not at home until tomorrow and needed to check a few of the letters for dates etc. I will also redact the personal details and scan them here as you suggested. I’m sorry, I should have acknowledged your message. We are really appreciative of your help.

dx100uk Thank you for the instructions and advice regarding Action Fraud. His family initially went to a solicitor who helped with various letters etc., but the Ex had gone to the other side of the world, and they didn't appreciate the magnitude of the issue. The police were uninterested as they deemed my partner had given him access to his accounts, email and social media. We are going to try action fraud. I have blocked TMLegal on calls and SMS today and will not reply to any further emails. I have a question: Reference the post under you from fkofilee Is it ok to send them a final email with debt and mental health evidence forms copied to the director that fkofilee suggested instructing that all future correspondence must be sent by Royal Mail? I will not enter anything via phone, SMS or email. I saw a past post from dx100uk advising someone to write a final email as above. Once we cut off the email and calls, are we then waiting for a letter of claim or pre-action protocol, which I must respond to, and I guess we can get advice as we update the next steps? We are terrified of getting a ccj as it impacts my partner's job and would cause dismissal, which we don't want at this stage. Many thanks and hugely appreciated.

Please could I ask for some advice regarding a debt that TM Legal holds? I have taken control of my partner's finances with his permission. My partner has Bipolar Effective Disorder, and he's under the care of a psychiatrist. Some 4-5 years back, he was in a relationship where the partner had taken advantage when he was very depressed. The partner used his fingerprint whilst my partner was sedated to access his smartphone, where he could access bank accounts, credit cards and other identity details. The relationship progressed to coercive control and financial abuse. Several loans were taken out, and new credit and store cards were applied for and used. It took intervention from the family to evict him and the partner left the country. At that stage, the family assumed the financial abuse was limited to my partner's current account and the credit cards they knew about. After 12 months, letters started appearing around loans and cards that my partner was unaware of. the Mental Health Crisis team got involved and intervened with a statutory treatment plan. The psychiatrist provided him with a debt and mental health evidence form setting out how his illness impacted finances. Fast forward to the beginning of May 2023. My partner became very unwell again and asked that I manage his affairs under the supervision of his sister. We set off undertaking a credit search to identify what was outstanding and where the debt was. I have a couple of questions that I will add to the thread in the next day or two, but one is frightening us. This is a debt that was initially with Perch Capital. The debt details were the total amount Opened: £1250; total outstanding £2077; Opened 21st September 2019 and hasn't been updated since Feb 2022. We wrote by Royal Mail signed for Perch Capital on 3rd May 2023. We requested to issue documents in reference to s.78 of the consumer credit Act 1974. I also described his current illness and complex mental health issues. I included a Debit and Mental Health Evidence Form issued by his Consultant Psychiatrist. We also provided signed documentation to let me deal with his account, and we offered to complete their process for third-party access to accounts if the document provided wasn't sufficient. I described how this issue has a profound and detrimental impact on his Mental Health, as documented by his Consultant Psychiatrist. At this point, neither of us had heard of TM Legal. Perch Capital received our letter on 10th May 2023. The next we hear is from TM Legal with a letter dated 12th May 2023, which we received on 17th May 2023. I immediately wrote back to TM Legal highlighting that I had sent a letter to Perch Capital at the same postal address, I had not had a response from Perch Capital, nor have I had the documents that I had requested in pursuance of s.78 of the Consumer Credit Act 1974. I was surprised and disturbed by the letter's tone and subsequent SMS messages on the threatening legal action. As I set out in my letter of 3rd May 2023, that we do not recognise this debt and need to ascertain where it came from. I described the circumstances and again pointed out my partner's vulnerability. I asked for the outstanding documents I requested and outlined a process by which I could manage his finances again. There have been various letters and phone calls, but we await a credit agreement. On Saturday, I got very spooked as we received a letter “Formal notice of potential legal action” and my partner received three SMS again threatening legal action. We could not afford to get a CCJ, which they were threatening. They said they would put the legal action on hold for 2 days, but I needed to give them a statement of income and expenditure within those 2 days, or the legal action would be started. I did the income and expenditure, adding his various debits, and sent by email without prejudice and asked again for the credit agreement. They say that they have the credit agreement and that the debt is enforceable and say they sent the agreement by email to an address we are unfamiliar with; I can only presume it was an account set up by his ex-partner to manage the financial abuse. I spoke with them again today as they continue to bombard my Partner with SMS, and I'm frightened it will drive him into crisis. They were uninterested in my questions and challenged the income and expenditure statement. I eventually got through to her and asked for the CCA; she repeated that it had been sent to an email address. We pointed out that we had made the request in May and asked for a copy in a letter, not an email. Today they told me that I have 2 days to get back to them and that she would email the challenges on the income and expenditure and was asking for bills and bank statements, whilst he has nothing to hide, neither of us wants some debt collector pouring over our private affairs. Please can someone give us some advice as we are living in fear of this company going via the courts and him getting a CCJ? Any help is appreciated.