TM Legal letter

Alext1878

Hi, thought this was all behind me but.. 

A letter has been sent to my parents address from TM Legal which says "this communication acts as a pre-notification of a reconnection home visit". And 'perch capital v <my name>`

It says that my account remains without an active arrangement and after reviewing my case they have suggested to their "client" that the best course of action is to instruct a "third party reconnection agency, verify, to attend my address". It also says the original creditor is ACI. 

Now I know TM Legal, Perch Capital and ACI are the same company and assume verify are the same company too.

I think the ACI thing is from a Myjar payday loan (maybe £200ish) from around 10 years ago. They took out a ccj against me for £700ish in Sept 2016 which was removed from my credit file on Sept 2022. Bit surprised to receive something about it, with letter sent out 7 days before a response was required.

Is this just a phishing exercise, or are they actually able to take action. Worried that they will go round to my elderly parents home more than anything as I haven't lived there for a long time. This amount doesn't show up on any of my credit files and the ccj has been removed for over a year 

fatbelly

The debt still remains but the ccj can only be enforced with specific permission of the court, which they are unlikely to get.

I hope that answers the question.

Alext1878

fatbelly said:

The debt still remains but the ccj can only be enforced with specific permission of the court, which they are unlikely to get.

I hope that answers the question.

Thanks for the response. Does that mean they would need to go back to the court to send debt collectors out? 

Nasqueron

Alext1878 said:

fatbelly said:

The debt still remains but the ccj can only be enforced with specific permission of the court, which they are unlikely to get.

I hope that answers the question.

Thanks for the response. Does that mean they would need to go back to the court to send debt collectors out? 

The CCJ never expires but after 6 years they need to make a formal application to court to enforce it before they could then initiate debt collectors etc - they would need to convince the court there is a good reason why they haven't tried to collect on it until then in order to get permission. 

See https://www.carringtondean.com/knowledge-hub/ccj-enforcement-all-you-need-to-know/