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Being brand new on this forum, I think I posted this in the wrong place, so am trying again. Can anyone offer any advice?
(a week or so ago) ...
I wonder if anyone could please help me, by advising me what to do? In 2012 I stupidly took out a pay-day loan with 1st stop. All was fine at first, but I just couldn't shake off the huge amounts in one go, and had to "roll-over" and it got out of hand. Eventually, I got in touch with Stepchange who organised an accurate and manageable payment plan. 1st stop, however, refused the offer (twice) and also refused to work with Stepchange. At first they denied having received any offers from Stepchange, but then caught themselves out by sending me an email saying that THE OFFER WAS INSUFFICIENT. They called me relentlessly, emailed, left voice messages, and called my place of work leaving cryptic messages. My complaints were never answered, all they ever did was demand to speak to me, but when I refused, and asked them to speak to Stepchange, they refused to do so. They applied for a "judgement" against me, using the comment "I had made no offer to pay" which was cmpletely untrue. They succeeded in getting a judgement against me, but I wrote to the court providing the proof that they had received offers, and it was my absolute belief that the judgement was set aside, because of this.
Last week, completely "out of the blue" I received an email from TM LegalServices, (which I actually found in my spam folder).
I had never heard of TM, never received a letter, never received a telephone call, and was shocked as their opening statement was
“As you are aware we have now obtained a County Court Judgment against you in relation to your outstanding account”. (their spelling error)
Stupidly I called them, (but hid my number) as this email caused me great concern, I had no clue what debt they were talking about, nor what on earth it was all about. They were extremely rude, but after MUCH argument, they told me it was this judgement from 2013 (1st stop) ... (so nearly four years old) and they insisted that they were going to apply for an AOE at my place of work, within the next 7 days. This has caused me great concern indeed, as I work for a tiny company now (1st stop caused me a lot of problems with my previous job). I looked up TM and they were previously known as Clear Companies and were originally a coach building company, nothing to do with "Legal Services". Can anyone advise a course of action? Can they apply for an AOE? I am extremely stressed about this. Many thanks indeed.
Being brand new on this forum, I think I posted this in the wrong place, so am trying again. Can anyone offer any advice?
(a week or so ago) ...
I wonder if anyone could please help me, by advising me what to do? In 2012 I stupidly took out a pay-day loan with 1st stop. All was fine at first, but I just couldn't shake off the huge amounts in one go, and had to "roll-over" and it got out of hand. Eventually, I got in touch with Stepchange who organised an accurate and manageable payment plan. 1st stop, however, refused the offer (twice) and also refused to work with Stepchange. At first they denied having received any offers from Stepchange, but then caught themselves out by sending me an email saying that THE OFFER WAS INSUFFICIENT. They called me relentlessly, emailed, left voice messages, and called my place of work leaving cryptic messages. My complaints were never answered, all they ever did was demand to speak to me, but when I refused, and asked them to speak to Stepchange, they refused to do so. They applied for a "judgement" against me, using the comment "I had made no offer to pay" which was cmpletely untrue. They succeeded in getting a judgement against me, but I wrote to the court providing the proof that they had received offers, and it was my absolute belief that the judgement was set aside, because of this.
Last week, completely "out of the blue" I received an email from TM LegalServices, (which I actually found in my spam folder).
I had never heard of TM, never received a letter, never received a telephone call, and was shocked as their opening statement was
“As you are aware we have now obtained a County Court Judgment against you in relation to your outstanding account”. (their spelling error)
Stupidly I called them, (but hid my number) as this email caused me great concern, I had no clue what debt they were talking about, nor what on earth it was all about. They were extremely rude, but after MUCH argument, they told me it was this judgement from 2013 (1st stop) ... (so nearly four years old) and they insisted that they were going to apply for an AOE at my place of work, within the next 7 days. This has caused me great concern indeed, as I work for a tiny company now (1st stop caused me a lot of problems with my previous job). I looked up TM and they were previously known as Clear Companies and were originally a coach building company, nothing to do with "Legal Services". Can anyone advise a course of action? Can they apply for an AOE? I am extremely stressed about this. Many thanks indeed.
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