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Perch/TM Letter of Claim - old uncle buck PDL


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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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Hi and welcome to the Forum.

 

I have moved your post to your own thread/topic...please continue to post here.

 

Andy

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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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  • 1 year later...
Posted (edited)

Hi,

 

Odd Situation. I had multiple Uncle Buck loans between 2016 and late 2018. It's been with TM Legal/ ACI for a since early 2019. One was never paid off. I've just received a letter of claim from TM giving the usual 30 days to resolve.

 

I've complained about irresponsible lending but UB/their administrators send a curt email  in February of this year, stating:

 

"Unfortunately, having assessed your complaint based on the Redress Methodology, I regret to inform you that you do not qualify for any Redress.

For the avoidance of doubt, this represents our final response in respect of your complaint and there is no further recourse beyond this decision"

 

Could I take the complaint to any other party to forestall the LoC and actual court action?

 

Secondly the LoC is for approx £150. Not only a very small amount but actually significantly less than the approx £550 I owe. In fact it is £400 less, down to the penny. Whether this is a mistake or a discount they've applied without telling me, I feel I should take advantage of this and get a payment plan sorted. I did/do only have one outstanding loan with them, so there's no chance of the rest of the balance showing up as a separate action.

 

Am I correct to reach an agreement on this now, assuming the oddly reduced balance stands, or should I dispute further, if that's even possible?

 

Thanks,

 

Edited by Paydayhostage
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Click letter of claim and follow post 2 

 

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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Share on other sites

Thanks for your help. If I understand correctly then, you are advising that I complete a reply to the letter of claim and (the completed form) and also send a  CCA request. Is that right?

 

Do I have to indicate if I will defend or not when completing the form (it hasn't arrived yet)?

 

I can see the debt never appeared on my credit file, with any of the agencies, when it was UB, but it was sold to Perch and they have marked it as defaulted. Have Perch done this correctly then, or do I have a defence?

 

Finally, I should point out the "original balance" was around £550 but is now approx. £150, despite me making no payments. I've never been notified of any discounts so Perch seem to have proactively applied one.

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  • dx100uk changed the title to Perch/TM Letter of Claim - old uncle buck PDL

no being funny but you've been here more than a year and need to get reading up

use our enhanced google search box 

 

perch 

 

you must get yourself upto speed not dip in/out as things progress.

 

a letter of claim is NOT a guarantee you will get a claimform, it's simply a process that fleecing debt buyer are now forced to go thru because all debt buyers were clogging up the judicial system for years by raising annually over 750,000 speculative claimforms when most were for debts not even legally owed.

 

perch didn't default your debt, a debt buyer can't, UB did before or upon sale, the fact to date it's never appeared on the Credit file provider you use is sadly immaterial.

 

you follow post 2 in that thread i pointed to using the PDF attached to it only.

 

just do that, don't play any cards you have until you need too.

 

 

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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No problem, Be as blunt as you like. I thought my complaint would be upheld so when it wasn't in February I didn't do anything else or prepare for an LoC. Bad decision.

 

Post 2 is to send the reply form  you've included, correct?

 

As a further bit of info, I work in Finance and am concerned about something like this appearing on an internal credit check. Whilst I believe my complaint should have been upheld, and UB behaved badly, would it not be a wise move to simply pay the £150 balance as it seems to have been discounted heavily?

 

Thanks for your help.

 

 

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have you replied to the letter of claim as advised yet?

thats your next move.

 

perch didnt discount it UB did as they got hauled over the coals over 10'000's of IRL complaints by the FCA/FOS

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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