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TM-Legal - threatening to contact employer?!

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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

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" 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


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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.

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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.

 

 

  


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