Tm legal letter before action

[Rangy1963]

Received a letter before action from Tm legal regarding a debt that was purchased by perch capital from 118 money.The original creditor 118 money upheld my irresponsible lending claim then sold the remaining balance to perch capital.Are there any thoughts regarding the original credit agreement as to whether this would be enforceable in the county court as I believe the agreement with 118 money admitting irresponsible lending would render any agreement nullified .
Any help would be appreciated.

[echat11]

You can make that argument to the Judge / Court, if they lodge a Court Claim against you.
Then it will be down to the Judge / Court to make a decision.
Have you got the relevant documents? 118 Money, irresponsible lending etc.

[Rangy1963]

You can make that argument to the Judge / Court, if they lodge a Court Claim against you.
Then it will be down to the Judge / Court to make a decision.
Have you got the relevant documents? 118 Money, irresponsible lending etc.

Yes I have a email from 118 saying that they upheld claim and have sent two emails to Tm legal stating this but have had no replies.

[echat11]

Yes I have a email from 118 saying that they upheld claim and have sent two emails to Tm legal stating this but have had no replies.

Await a response, then update the thread.

If they don't respond, lodge a complaint, follow the complaints procedure on their website.

They can't just not respond.

[UGCAIAGG]

What was the outcome?