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TM Legal letter
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
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
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Comments
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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.0 -
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.
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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.
See https://www.carringtondean.com/knowledge-hub/ccj-enforcement-all-you-need-to-know/
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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