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Hi, Wondering if you can help.
I have mail redirection on my old UK residence until early august which is 4 years after I moved away from the UK. I moved to Thailand and was fulfilling a monthly payplan repayment plan for shop direct until I wasn't able to afford any more payments. I am unwell and can't work.
Ultimately it defaulted and TM Legal took over and if I recall threatened legal action about a year ago (by email). I sent them an email saying this on 25th June:
"Dear TM Legal,
Please note that I have been residing in Thailand since August 2022 and am not currently based in the United Kingdom. I no longer have any UK correspondence address, as my UK mail forwarding service was cancelled in March 2025. I am not currently in employment and unable to maintain any UK mail services.
Please update your records to reflect my current postal correspondence address: (thai address given)."
I didn't hear much more apart from some payment plan type emails.
But on 5th June they sent a letter before action to my old UK address.
Where do I stand with this? I thought that once I told them that I live abroad they would contact me at my Thai address or not at all. But it appears they have intentionally sent a letter before claim to an address they know I don't live at?
I don't want to contact them unneccesarily because I hope it will eventually become statute barred.
I will see the court papers on redirection if they appear swiftly, but if they come after my redirection I won't be able to prevent it or defend it?
What should I do?
The debt is for £4k.
I no longer live in Thailand, but still in Asia.
Thanks for your help,
I have mail redirection on my old UK residence until early august which is 4 years after I moved away from the UK. I moved to Thailand and was fulfilling a monthly payplan repayment plan for shop direct until I wasn't able to afford any more payments. I am unwell and can't work.
Ultimately it defaulted and TM Legal took over and if I recall threatened legal action about a year ago (by email). I sent them an email saying this on 25th June:
"Dear TM Legal,
Please note that I have been residing in Thailand since August 2022 and am not currently based in the United Kingdom. I no longer have any UK correspondence address, as my UK mail forwarding service was cancelled in March 2025. I am not currently in employment and unable to maintain any UK mail services.
Please update your records to reflect my current postal correspondence address: (thai address given)."
I didn't hear much more apart from some payment plan type emails.
But on 5th June they sent a letter before action to my old UK address.
Where do I stand with this? I thought that once I told them that I live abroad they would contact me at my Thai address or not at all. But it appears they have intentionally sent a letter before claim to an address they know I don't live at?
I don't want to contact them unneccesarily because I hope it will eventually become statute barred.
I will see the court papers on redirection if they appear swiftly, but if they come after my redirection I won't be able to prevent it or defend it?
What should I do?
The debt is for £4k.
I no longer live in Thailand, but still in Asia.
Thanks for your help,