TM Legal Service

[DC82]

Hi, I am hoping for some advice.

I have received several emails from TM Legal services stating I owe a debt and have an outstanding CCJ. I have no knowledge of this debt and I have checked the trust registry and there is no CCJ. Do I call them and ask or do I ignore them? The emails are increasing in frequency and I don’t know what to do for the best.

Thank you

[PallasAthena]

If there is nothing showing at the Trust registry the CCJ, if it exists, is more than 6 yewars old and the creditor would have to go back to court and get the court's approval to enforce it. Unless TM do that their letters are just so much hot air. So you could just ignore them and block their email address.

Have you also checked your credit record with the main Credit Reference Agencies for any sign of this alleged CCJ? If not then do so.

If you don't want to keep getting these contacts you could write to them denying all knowledge of a CCJ and telling them to stop harassing you. There was, if I recall correctly, a draft letter on here not long ago for doing that. I don't remember who posted it but I'm tagging R0b as I think it might have been his draft.

[R0b]

Hi,

People react in one or two ways. First, they just ignore the emails or letters and see what happens which may or may not make things go away. The second (which is what I would usually prefer to do) is to respond, deny knowledge of any existence of debt or outstanding CCJ and then ask them to provide evidence proving the same. Given that you have no knowledge or information about the alleged debt, I would be asking some or all of the questions below and tell TM Legal that until they provide that information, you will not be responding to them anymore.

1. They claim a CCJ was obtained, what was the date of judgment, the claim number and the court which heard the claim. Also since they have knowledge of an outstanding CCJ they should be able to provide a copy of it since it should be in their possession. If they do provide a copy then check with the relevant court if they have information about to give about it. TM Legal would not be required to supply the below information if a CCJ has been obtained, but if they cannot provide one, then the additional questions are reasonable and warranted.

2. Provide a description of the supposed debt you owe.

23. Who is the creditor and are they the original creditor? If not the original, provide the name of the original creditor.

3. Further to Q2, if their client was not the original creditor, provide copies of the agreement, together with any notice of assignment and default notices giving legal effect to their client's right to the debt.

[DC82]

Thank you for the responses. I sent the email as per Rob’s suggestion and it has bounced back twice. Therefore I shall continue to ignore them!

[R0b]

Suggest you keep those bounce back emails, just in case something comes up at a later date or you could write to them instead of email.