Jump to content


  • Tweets

  • Posts

    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
    • PRA have purchased the debt 
  • Our picks

Simzter

TM-Legal - threatening to contact employer?!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 219 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have a CCJ for an old debt - an ex applied for some PayDay Loans in my name (whilst we were together) and this is the hangover from it.

 

The CCJ only came to light around 9 months ago, when out of the blue I got a phone call on the office land line and it was TM-Legal...

 

I have no idea how they got the number, or where I worked - but I took their details and called them back in private - and gave them my mobile number, and told them I wanted any future communication to be done by post or email.

 

The guy was a bit arsey - and said they don't do that... but aside from 1 letter my home address, a load of emails and the occasional text message they have left my work alone.

 

I haven't made any contact with them or replied to their emails/texts. Today - I got the following text message:

 

Dear XXX

 

We may try to contact you at work soon, so that we can work with you to find a resolution.

 

Call 01253 531 016 to discuss your options or make the payment via your online account.

 

Regards

Tm Legal Services

 

Your Ref: XXXX

 

Just because I'm not replying to them doesn't give them the right to make threats to contact my employer about my personal debts does it?

 

The amount owed is: £2,367 - which I'm guessing has interest and fees on top. I think the original amount was under £800...

 

I spoke to the courts 9 months ago, and I'm fairly confident they sent the court documents to an old address (hence why I knew nothing about it) - and that was some years ago.

 

If I got the CCJ set aside - and the original debt was over 6 years old, can it become statute barred?

 

What enforcement action could be taken if I continue to ignore them - and are they legally allowed to contact my work number, despite having a mobile number (just because I'm not picking up)?

 

Thanks

Share this post


Link to post
Share on other sites

" If I got the CCJ set aside - and the original debt was over 6 years old, can it become statute barred? "

 

Depends.... the issuance of the court claim stopped the limitation clock.a set a side does not restart it...was it 6 years without acknowledgement or payment before they issued the claim?

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

HI Andy

 

I'd be guessing here - but maybe 4 years without acknowledgement/payment - and then the CCJ happened just over 2 years ago.

 

I'm going to contact the courts and see what the dates are exactly, and maybe speak with the original creditor and find out exactly what's what.

 

I'm tempted to make a monthly offer to them (£1) - but having read multiple threads on here - they tend to ignore those.

Share this post


Link to post
Share on other sites

Then it can never become statute barred...worth your while collating all the necessary information ....N1 claim form (you have the claim number) and a copy of the judgment and payment details would be useful.

 

Give MCOL Northampton a buzz or email and gather...the Judgement creditor has 6 years  to execute the judgment (get payment) and can use various options:-

 

Attachment of Earnings

Charging Order on your property

Third Party Debt Order

 

If you can live with the Judgment  and have no intention of challenging you could make an affordable offer of payment through the courts using the N245.

 

But wait until you get the Judgment details first.

 

 

  


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...