TM Legal Services emailing about non-existent CCJ

[Guest]

Hi there

First time posting, really need some advice re: tm legal services.

6-7 years ago I foolishly got myself trapped in a cycle of payday loans when I lost my job, to which I defaulted on several. Since then all of the accounts have been closed or settled bar one which will drop off my credit file in October of this year (defaulted October 2014 and have never had any contact or acknowledgement since then). The last few months I have been receiving emails from tm legal services regarding an alleged ccj against my name. I have paid for checks online and definitely do not have a ccj against my name. I don’t actually think this is relating to the only open defaulted account I have as internet research leads me to believe tm legal services represent lending stream creditors and my current outstanding account is with 247Moneybox. I did have an account which defaulted with lending stream which they did start proceedings in small claims court to reclaim the money, at this point I contacted them and agreed and paid a settlement fee so they stopped proceedings and the courts were instructed and the account was marked as satisfied on my credit file. I am starting to feel very intimidated by the emails tm legal services are sending me however I am reluctant to contact them in case this is relating to my only outstanding account and I am worried if I contact them then the account will not drop off my Credit file in October. I am 100% sure I do not have any CCJ’s issued against me according to my credit file and the trustonline checks. Below is an extract of the email they sent today:

We write further to our recent correspondence informing you that our client has instructed us to recommence enforcement activity from 15th July 2020. We are disappointed to note that, despite our best efforts, our records indicate that this account remains without a suitable repayment arrangement.



In a final attempt to resolve this matter amicably, please contact us no later than close of business on Wednesday 15th July 2020, failing which, we may be instructed to recover the monies owed via one of the following enforcement methods:

• Warrant of Control (Bailiff Action)
• Attachment of Earnings
• Charging Order

TM Legal Services Limited:

Tel: 01253 531 261



Can someone please offer me some help and advice regarding this situation??? Any help no matter how small is very much appreciated.

Many thanks

[pt2537]

Hi there

First time posting, really need some advice re: tm legal services.

6-7 years ago I foolishly got myself trapped in a cycle of payday loans when I lost my job, to which I defaulted on several. Since then all of the accounts have been closed or settled bar one which will drop off my credit file in October of this year (defaulted October 2014 and have never had any contact or acknowledgement since then). The last few months I have been receiving emails from tm legal services regarding an alleged ccj against my name. I have paid for checks online and definitely do not have a ccj against my name. I don’t actually think this is relating to the only open defaulted account I have as internet research leads me to believe tm legal services represent lending stream creditors and my current outstanding account is with 247Moneybox. I did have an account which defaulted with lending stream which they did start proceedings in small claims court to reclaim the money, at this point I contacted them and agreed and paid a settlement fee so they stopped proceedings and the courts were instructed and the account was marked as satisfied on my credit file. I am starting to feel very intimidated by the emails tm legal services are sending me however I am reluctant to contact them in case this is relating to my only outstanding account and I am worried if I contact them then the account will not drop off my Credit file in October. I am 100% sure I do not have any CCJ’s issued against me according to my credit file and the trustonline checks. Below is an extract of the email they sent today:

We write further to our recent correspondence informing you that our client has instructed us to recommence enforcement activity from 15th July 2020. We are disappointed to note that, despite our best efforts, our records indicate that this account remains without a suitable repayment arrangement.



In a final attempt to resolve this matter amicably, please contact us no later than close of business on Wednesday 15th July 2020, failing which, we may be instructed to recover the monies owed via one of the following enforcement methods:

• Warrant of Control (Bailiff Action)
• Attachment of Earnings
• Charging Order

TM Legal Services Limited:

Tel: 01253 531 261



Can someone please offer me some help and advice regarding this situation??? Any help no matter how small is very much appreciated.

Many thanks

Oh by these people are at it again. I dealt with a case at my last practice where they were chasing a fictional debt.

I think it is necessary to make a complaint to the firm, through their complaints procedure, and make it clear that the debt is paid, that there is no judgment and their correspondence is misleading.

Id invite them to produce a copy of the order granting them judgment, and id report them to the regulator too if they cannot produce this

[ploddertom]

It could be there was a CCJ which unbeknown to you was possibly obtained by Default but now it is over 6 years old has now dropped off your credit history & Registry Trusts files. It would leave the CCJ still outstanding and they can still ask you pay it. As no enforcement has been applied for they would now have to go back to Court with a good reason as to why they never did anything - something that is rarely granted.

I agree with pt2537 in asking for them to provide proof.