TM legal services emailing about non-existent CCJ?!

tmd17

Hi there

First time posting, really need some advice re: tm legal services. 

6-7 years ago I foolishly got myself trapped in a cycle of payday loans when I lost my job, to which I defaulted on several. Since then all of the accounts have been closed or settled bar one which will drop off my credit file in October of this year (defaulted October 2014 and have never had any contact or acknowledgement since then). The last few months I have been receiving emails from tm legal services regarding an alleged ccj against my name. I have paid for checks online and definitely do not have a ccj against my name. I don’t actually think this is relating to the only open defaulted account I have as internet research leads me to believe tm legal services represent lending stream creditors and my current outstanding account is with 247Moneybox. I did have an account which defaulted with lending stream which was then passed to Asset Collection & Investigation (ACI). ACI did start proceedings in small claims court to reclaim the money, at this point I contacted them and agreed and paid a settlement fee so they stopped proceedings and the courts were instructed and the account was marked as satisfied on my credit file. I have an email from ACI confirming this. I am starting to feel very intimidated by the emails tm legal services are sending me however I am reluctant to contact them in case this is relating to my only outstanding account and I am worried if I contact them then the account will not drop off my credit file in October. I am 100% sure I do not have any CCJ’s issued against me according to my credit file and the trustonline checks. Below is an extract of the email they sent today:

We write further to our recent correspondence informing you that our client has instructed us to recommence enforcement activity from 15th July 2020.  We are disappointed to note that, despite our best efforts, our records indicate that this account remains without a suitable repayment arrangement.

 

In a final attempt to resolve this matter amicably, please contact us no later than close of business on Wednesday 15th July 2020, failing which, we may be instructed to recover the monies owed via one of the following enforcement methods:

• Warrant of Control (Bailiff Action)
• Attachment of Earnings 
• Charging Order

TM Legal Services Limited:

Tel: 01253 531 261

Can someone please offer me some help and advice regarding this situation??? Any help no matter how small is very much appreciated.

Many thanks

sourcrates

Where debt is concerned, you only need take notice of a letter, emails, texts, calls, are not classed as legal contact, only a letter is.

Write to them, ask them how this account pertains to you, who the creditor is, and why they believe there is a CCJ for this debt.

You will have to pass data protection (DOB ETC) but its the only way to find out.

Nothing will stop the debt falling off your file on the 6 year anniversary.

fatbelly

I'd be tempted to mark the email as spam and see if I can stop it appearing in my inbox.

If it's genuine they'll send a letter eventually

Galloglass

Did the give you the case number for the CCJ. It is 8 digits and starts with a letter? Did you keep the paperwork from before?

If you have it or they supplied it or if you can ask them for it, then you can check with Northampton Bulk Court Centre about who the Creditor was and when the judgment was entered.

ACI did start proceedings in small claims court to reclaim the money, at this point I contacted them and agreed and paid a settlement fee so they stopped proceedings and the courts were instructed 

To "instruct" the court a Notice of Discontinuance has to be sent, which may not have. It will be worth peace of mind to check and then get the matter sorted.

AC&I are not your usual bottom feeder. They do a lot of court work.