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so earlier this year im contacted by tm legal about a payday load taken out on the 22/10/2017 which defaulted on the 12/07/2018.
i have no recall of this.
so i contacted them about this disputing there claim and asked them for proof. they replied saying i owe them the money under the consumer credit act and im to pay them.
again i asked for proof but got non. so put in a sar request on the 06/06/2023. they acknowledged the request but i heard nothing back. forward to October and i receive another communication demanding payment because there clients perch capitol are looking to take legal action on the account. so i contact them again asking why i did not receive my sar request they put the account on hold to investigate. another month geos by and once again a demand communication or court action i get. now ive had enough so i ring them and ask them why they haven't sent me anything. they cant give me an answer and the only thing they were interested in is am i going to pay them today. they put account on hold again and a few days later i get a sar report that contains nothing what i asked for. no paperwork or communication from original creditor only times and dates of when i communicated with them. so another call asking for the information they haven't sent in the sar. this took hour and a half on the phone them telling me its my responsibility to get it. so few days ago i get half a copy of a credit agreement. so i ring again and ask why they didn't send it me and the call canter person reading it to me then asking if we send what am i gonna do. while this is going on ive got a credit report from experien and i can see the default but no payments have been hade according to them since the inception of the loan.
this morning i get the other part of the credit agreement with it a list of payments made one of with is dated 15/12/2017.
given the run-around ive been given im a bit suspicious.
loan date 22/10/2017
default 12/07/2018 (i have no copy of a default notice)
last payment made on account 15/12/2017 i have no record of this.
is the limitations act about to take effect and this is the reason im getting threats.
i have no recall of this.
so i contacted them about this disputing there claim and asked them for proof. they replied saying i owe them the money under the consumer credit act and im to pay them.
again i asked for proof but got non. so put in a sar request on the 06/06/2023. they acknowledged the request but i heard nothing back. forward to October and i receive another communication demanding payment because there clients perch capitol are looking to take legal action on the account. so i contact them again asking why i did not receive my sar request they put the account on hold to investigate. another month geos by and once again a demand communication or court action i get. now ive had enough so i ring them and ask them why they haven't sent me anything. they cant give me an answer and the only thing they were interested in is am i going to pay them today. they put account on hold again and a few days later i get a sar report that contains nothing what i asked for. no paperwork or communication from original creditor only times and dates of when i communicated with them. so another call asking for the information they haven't sent in the sar. this took hour and a half on the phone them telling me its my responsibility to get it. so few days ago i get half a copy of a credit agreement. so i ring again and ask why they didn't send it me and the call canter person reading it to me then asking if we send what am i gonna do. while this is going on ive got a credit report from experien and i can see the default but no payments have been hade according to them since the inception of the loan.
this morning i get the other part of the credit agreement with it a list of payments made one of with is dated 15/12/2017.
given the run-around ive been given im a bit suspicious.
loan date 22/10/2017
default 12/07/2018 (i have no copy of a default notice)
last payment made on account 15/12/2017 i have no record of this.
is the limitations act about to take effect and this is the reason im getting threats.
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