Perch/TM default judgement CCJ - ignored everything - old 118118 loan - now threatening AEO

[icefall]

Is there a template letter to offer £10 a month to TM Legal

they given me a CCJ and sent a letter dated 12 Dec saying they are going to ask for attachment of Earnings.

I have had my head in the sand and have not contacted them at all since 2021 when I defaulted on the 118118 loan.

I got severely and chronically ill, was bedbound that year and though slowly improving I still have major mobility issues, a chronic illness, mental health issues, and cannot walk far and I only work for 10 hours a week currently,

I had to give up my other jobs due to chronic illness.

Could I get some advice on how to word the letter to try to prevent the attachment of earnings.

[jk2054]

Hi,  

 

@dx100ukshould be along shortly to advise for this

[dx100uk]

why did you not defend the CCJ? know noting about it? sent to an old address?

TM cant 'give' you a ccj, it has to go thru a court, and you lose.

tell us a little more about this please.

TM can threaten what they like, read the letter properly it doesnt say WILL anything i bet.

what date was the judgement ....expand your story

thread title updated

topic moved too legals forum

 

[icefall]

The letters came to my address but I did not open them for ages, when I did it was too late.

It was too much for me to cope with reading them let alone deal with them due to my chronic illness which includes severe fatigue plus I now care for a family member who has severe mental health issues there are daily events with them, and I cannot handle much else.

The judgement was June 2023. 

Do you want a copy of the letter

- it says amongst other things,

'We have now confirmed your employment and our client has instructed us to make an application for an Attachment of Earnings'

[fkofilee]

Please do paste up the letter, I think they are lying about knowing you work? 

How would they find out? - The courts directly order DWP / HMRC (I cant remember who specifically) to inform your employer about deductions etc. - They wouldnt find out about your work background unless you tell them

[fkofilee]

Just for reference,. they have to fill out this form for an AOE - So the question is how did they find that info?

 

 

n337-eng.pdf

[dx100uk]

they haven't done a N337.........................

  

3 hours ago, icefall said:

We have now confirmed your employment and our client has instructed us to make an application for an Attachment of Earnings'

i can instruct my dog to sit, IF it does is a totally diff matter.

as i said doesn't say WILL anywhere.

you are safe to ignore them.

are you working?

how much is this CCJ?

 

dx

 

[AndyOrch]

18 hours ago, icefall said:

I only work for 10 hours a week currently,

I had to give up my other jobs due to chronic illness.

Could I get some advice on how to word the letter to try to prevent the attachment of earnings.

Submit a N245 with your I&E and affordable monthly offer of payment.There is a small fee.

Whether its a bluff or not, they don't need to know your employment details as when its processed the court will issue you with an order to disclose your employment details.

N245 any day compared to an AOS.

 

Andy

[icefall]

perch0.pdf

Here is the letter