Backdoor TM legal CCJ - old 1st stoploan - help

[mightyroyals]

Hi

 

I have an outstanding CCJ which is being dealt with by tm legal services.

 

I had previously told them I had health issues and suffered from anxiety which had meant I was currently unemployed and after filling in their income and expenditure form they told me they would have their specialist team deal with my case.

 

Since this email conversation I have heard no more from them and this was in December.

I have sent emails every week trying to find out what is happening but I don't ever get a response and I have also sent letters in the post again with no response.

 

This is really making my anxiety flare up not knowing what is happening and I am petrified I will just get a balliff turn up at my door to take my stuff.

 

Is there anything I can do as like I said this is starting to make me really ill with not knowing what is going on.

 

Thanks in advance

Edited February 6, 2019 by dx100uk
spacing

[brassnecked]

What was the CCJ for and how much? We need to know how much to assess what type of Enforcement they could use if they "accidentally"forget to answer you, and consider your circumstances.

[mightyroyals]

Hi

 

Thanks for the reply it was for a loan with 1st stop and has about 650 left on the account

Edited February 6, 2019 by dx100uk
quote

[brassnecked]

Try and make an arrangement to pay before they think of sending in a HCEO, as the debt is over £600. When was the CCJ issued, and was it a Forthwith judgment as all at once?

[mightyroyals]

Hi

 

The ccj was awarded in 2014 and was awarded by default as I had moved and never got the paperwork.

 

Is it worth me making an official complaint to them or can I make one to the court as all offers I have made for the past 3 months have been ignored.

If a bailiff did come I have nothing they would take other than a telly that's worth about 20 pound if that.

 

I won't phone them as they bully you on the phone and with my anxiety I will be stupid enough to do whatever they say

 

Thanks

[renegadeimp]

So nearly 5 years and they haven't chased You?

Have you paid anything yet

[mightyroyals]

Yes I had been paying whilst I was employed but then as soon as I was unemployed they got nasty and then they ignore me now

[dx100uk]

moved to the legal forum

 

bailiffs cant do anything if you ignore them.

its a civil consumer debt

no right of forced entry allowed

 

have you a copy of the CCJ and the claimform.??

if not ring northants bulk and ask for copies via email pdf.

 

get the information 1st them we can properly help you.

 

tell us about the loan ...what happened , why you couldn't pay it at the time

didyou have other PDL'd and debts and defaults on your credit file too whilst you took this one out?

and when you last paid anything to TM legals or their clients..who are?