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Good afternoon all,

 

I  have an outstanding loan with Uncle Buck from way back in late 2018.

I raised a complaint and dispute with Uncle Buck about their lack of affordability checks but they have simply ignored that and any other queries from me.

 

Now I have received emails and letters (to an old address) telling me it is now with  DCA, TM Legal Services, and that Uncle Buck has instructed TM to "resume county court proceedings, where appropriate" from July 6th 2020.

 

Given Uncle Buck is in administration and the outstanding balance, after their extortionate fees is around £400, are they likely to take legal action?

 

I want my dispute resolved and will remind them of this.

At which point does their communication actually represent a 'last chance' before legal action?

Please advise.

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Original creditor s dont do court

and tm legal are not a dca

they are a solicitor.

 

who is their stated client?

 

if UB have ignored your IRL complaint as 8 weeks have expired, contact the FOS

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

 

Their email and letter state "We write further to our recent correspondence confirming that we are instructed to act on behalf of Perch Capital Limited in relation to your  outstanding debt from Uncle Buck Finance LLP,"

 

Thanks.

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been sold then.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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only the owner of a 'debt' can do court

they can instruct their dogs to sit if they wish

but if they do that's another matter...

 

ACI?

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Perch Capital owns both TM Legal and ACI (another company I've had some communication from about an unrelated debt). Oddly they adopt the third person in regards to Perch instructing them when they are one and the same company.

 

I want to fight this. At which point is the final threshold when I have to pay or be blemished by a CCj: when they state their intent to go to court, when it reaches court or when the judgement is given? If it goes to Court, am I able to just pay up at any time before the ruling to avoid the actual CCJ?

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Gotta issue a letter of claim 1st.

 

Tm are sols they don't buy debts

Their stated client is the owner..

 

Check your credit file

Is it defaulted?

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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