Trevor Munn Solicitors

dharma01

Hey All,

I just wanted to know if anyone has had any dealings with Trevor Munn solicitors?
I had a Wageday loan which is currently being paid of by my Debt Management Plan.
About 2 weeks ago they sent me a letter saying they were preparing to issue a CCJ to me about this. Naturally I rang my Debt Management Plan and they said not to worry about this as they have been paying them.
However today I received another letter from Trevor Munn solicitors saying the CCJ is ready to be issued, yet I know my loan is being paid off.
Are they just trying to scare me into making a payment with them?
any help would be great, thanks!

Apples2

How do you know it is bring paid?

Assuming you are with a fee paying company.......

These companies you have signed up with are nothing more than ambulance chasers. They are skimming a good portion of whatever you are giving them and passing what's left if they can be bothered.

You should have approached payplan or the cccs who would have passed ALL of your repayments over.

If I were you I would take more notice of what your creditors are saying than the word of your fee paying rip off merchants.

Sack this company tomorrow morning and call one of Tue companies I mentioned, they will represent you for free.

jon1965

That is a big assumption. But whoever you are dealing witrh regard to your DMP you need to know if they have agreement from the PDL to accept the repayments.
However frankly you will probably have a default on your credit file anyway and if a CCJ is being prepared you need to gather all the info that you can. How much did you borrow, how much interest did you agree, what the penalty charges are , how much you are paying and when did that start.
Who is the PDL?
My best guess is it is just a threat but whatever you do , if you do get the paperwork do not ignore it, they try to get judgement by default.

Apples, I think you are making massive assumptions, not all fee payers are bad, not all free are good. My own personal advice is if you can do it yourself.

Apples2

I would agree with the DIY method, if not, I consider it a foolish waste of money paying these companies.
I'm not aware of any who don't simply take 100% of the first couple of payments for themselves without forwarding a single penny to creditors.

On top of that, the creditors are getting even LESS than they were before the fee charging saviours got involved.

Aside from that, I find it unlikely a ccj is being prepared in this fashion, if it had got to that stage, they would have just done it.

jon1965

Apples2 wrote: »

I would agree with the DIY method, if not, I consider it a foolish waste of money paying these companies.
I'm not aware of any who don't simply take 100% of the first couple of payments for themselves without forwarding a single penny to creditors.

On top of that, the creditors are getting even LESS than they were before the fee charging saviours got involved.

Aside from that, I find it unlikely a ccj is being prepared in this fashion, if it had got to that stage, they would have just done it.

I do agree that the amount they take up front is dreadful. When I was in a fee paying DMP they took 10% each month which I was happy with. My personal gripe was that they didn't look at all the options available. Their view was you borrowed the money you owe it, but didnt challenge anything about fees etc or even if they were enforceable. Within 2 months of doing it myself I have found nearly 25% are UE , I have fought Quick Quid because they emailed me saying the debt was no more but Mackensie hall still want money, I have taken another to the FOS and got some to agree to a repayment break ( I am not working) .
Something to consider is, assuming it is a fee paying DMP is there a notice period etc make sure you read all the small print.
I am not pro or anti anyone, just saying that it is a personal choice but be informed before you make any decisions

Hanky_Panky

Many people think they can abdicate all resonsibility to the DMP company and not have to speak to the original creditor ever again - this is partly because that's what the dmp companies tell them.

However as this proves (and I have seen the same countless times) somethimes what the dmp company tell you and what the creditor actually want/need are not aligned and it's people like the OP that get stung.

I have seen repossession hearings go through before because the dmp co tell the borrower that they are dealing with it and the borrower refuses to speak to the mortgage company so they just go for it.