ONMO DEBT TRANSFERRED TO AJJB LAW

scottygees1

So I have had a text message from AJJB Law stating my ONMO credit card debt has been transferred to them. I will be honest and naively thought ONMO would have sold this on rather than going straight to a law firm, so panicking a little about this. I have just clicked on the link sent in text which directs me to the AJJB portal. I have been awaiting the default to be applied on this account but so far this doesn’t appear to have happened. Does anybody have any experience of dealing with AJJB or can advise how best to deal with this? Thanks in advance 

Grumpelstiltskin

Do not deal with texts or E Mails, wait until you get a letter by snail mail, anything legal has to be sent by snail mail.

Do not be tempted to phone them either.

scottygees1

No intention of phoning them, emails I have had from ONMO indicate they have now closed the account and a default has been made, not showing on credit report yet. My intention was to start making affordable payments with a view to making reduced settlements further down the line so am happy to set something up with AJJB that is affordable to me. Thanks for the reply 

ManyWays

Send an affordability complaint right away, what are you waiting for? 

sourcrates

There are many collection routes open to lenders for bad debts, some get sold pretty quickly, some are simply assigned to debt collectors, some stay in-house, others are assigned to solicitors, who are nothing more than glorified debt collectors really.

The only issue with the latter is that they can start a court claim, with the lenders consent, all in-house, without the need to involve anyone else.

The important thing is that all interest is stopped, as long as they tick that box, it doesn't matter so much about a default on your credit file, although I would expect that to happen soon anyway.

How best to deal with this you ask?

Well, in the legal world, debt collection solicitors are about the lowest rung of the ladder, somewhere between a green primordial slime, and something you might tread in on a footpath, so treat them accordingly.