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TM Legal services

Leebaker92 asked:

I received this email from TM legal services. It is in relation to a loan from lending stream 3/4 years ago.

Dear ,

Reference:
Balance:

TM Legal Services Limited are now managing the above County Court Judgement. It is imperative that you call TM Legal Services Limited to discuss repayment of the account.

Please contact us within the next 48 hours stating your intentions on how you plan on repaying the County Court Judgement.

If you had a payment arrangement set up with Asset Collections & Investigations, we will honour the arrangement. If we receive no contact, we will look to enforce the County Court Judgement.

There are several ways we can do this:

– Bailiff Action
– Attachment of Earnings
– Charging Order

Find out more information at https://www.tm-legalservices.co.uk/coun … t-judgment

Details of TM Legal Services Limited
Tel: 01253 523460
Email: [email protected]
Web: http://www.tm-legalservices.co.uk

Opening hours: Monday to Thursday 8:00am to 6:00pm & Friday 08:00am to 05:30pm.

Please find below the TM Legal Services banking details:
Bank Name: Barclays Bank
Account Name: TM Legal Services
Account Number: 23089312
Sort Code: 20-10-03
Please Quote Your Reference: LS0007868 (THIS MUST BE QUOTED)

Yours sincerely,

TM Legal Services Limited

I have no idea what I should do or how/if I should respond. Any advice or help from anyone would be great.

Tiggy replied:

So you have a CCJ, who was the claimant? Are you making payments against it, if so to whom?

Leebaker92 replied:

This is the first thing I’ve heard of a ccj and upon checking my credit report nothing is showing there. No I’m not making any payments.

Lending stream were the claimants.

williams2583 replied:

if no ccj then you don’t pay,so if 100% sure just ignore.They are just a 2 bit firm trying it on.If you do want to reply then ask then for more details ie amount,which court,when awarded etc.If you had a ccj awarded then you would have received a claim form (unless you moved away?). So as said b4 believe this is a try on.

Tiggy replied:

If you’ve no CCJ did you mean Lending Stream were the original creditor?

You might want to check either with the county court business centre or trustonline.co.uk to see if there is a CCJ lodged against you.

Leebaker92 replied:

Sorry yes lending stream were original creditor. I have moved away so will check to see if a ccj has been awarded. So if I see that no ccj has been awarded your advice would be to just ignore them?

williams2583 replied:

yes

Leebaker92 replied:

I’ve checked and there’s a ccj registered at an old address. What should I do now?

Tiggy replied:

What’s the date of the CCJ?

You could possibly apply to get it set aside and properly defend against the original claim.

Leebaker92 replied:

2nd December 2016 actually. Ok how can I do this?

Tiggy replied:

Then you should be able to apply to get it set aside.

Leebaker92 replied:

How do I do this and wouldn’t It still be held as I never made them aware I was moving?

Tiggy replied:

You apply using Court form N244, it costs £255 or free if on benefits or low income, you will have to explain you have moved house (provide evidence of the date you moved) and that you’ve only just found out about the CCJ but believe you have a good chance of defending against it.

The quicker you do it the more chance you have of getting it set aside.

Sacha1 replied:

T M LEGAL SERVICES IS A COMPANY RUN BY A LITHUANIAN, WHO HAS ALREADY DISSOLVED THE COMPANY ONCE FEW YEARS AGO. (have a good google session!) but furthermore, EVEN IF THEY ARE UP AND RUNNING AGAIN, THEY CANNOT, LEGALLY TAKE ANY ACTION AGAINST ANYONE, FOR NOT RECEIVING A RESPONSE FROM YOU IF THEY HAVE ONLY CONTACTED YOU BY SENDING “EMAILS! … ” WE ALL CHANGE OUR EMAIL ADDRESSES FROM TIME TO TIME, AND TM LEGAL SERVICES WILL HAVE NO WAY OF EVER KNOWING, NOR PROVING TO THE COURTS, IF THE THREATENING EMAIL THEY SENT HAS BEEN RECEIVED. TO PROCEED WITH ANY SUCH THREATS, BASED ON HAVING SENT AN “EMAIL” WHICH YOU HAVE NOT RESPONDED TO WOULD BE TANTAMOUNT TO FRAUD, AND CERTAINLY THEY ARE TRYING IT ON.

I FOUND AN EMAIL FROM THEM, IN MY “SPAM FOLDER” WHICH I RARELY EVER LOOK AT, JUST AUTOMATICALLY DELETE, – IT WAS ABSOLUTE PURE CHANCE I FOUND IT, AND THIS WAS ONLY A COUPLE OF MONTHS AGO, TELLING ME, “CATEGORICALLY” THAT “THEY HAD NOW SUCCEEDED IN GAINING A CCJ AGAINST ME”. (THEY HAD NOT). FURTHER, THEY THREATENED THAT “WITHIN 7 DAYS” THEY WERE GOING TO “TAKE OUT” (AS IF THEY COULD!!) AN ATTACHMENT OF EARNINGS ORDER AGAINST ME. IT WAS A VERY THREATENING EMAIL – BUT BASELESS IN LAW! DON’T BE FRIGHTENED BY THESE CHANCERS, THEY CANNOT AND MUST NOT USE “EMAIL” AS A LEGAL AND CORRECT FORM OF SUCH SERIOUS THREATS AND PROCEDURES. I HAVE SINCE CHANGED MY EMAIL ADDRESS. I HAVE NOT RECEIVED A FORMAL LETTER IN THE POST, AND GIVEN THAT THEY WERE GOING TO “WITHIN SEVEN DAYS TAKE OUT AN ATTACHMENT OF EARNINGS AGAINST ME” – SEVERAL MONTHS AGO, AND I HAVE NOW CHANGED MY EMAIL ADDRESS… NOTHING HAS HAPPENED. DON’T BE BULLIED BY FRAUDULENT THREATENING EMAILS. EMAIL CORRESPONDENCE IN SUCH SERIOUS PROCEDURES IS SIMPLY NOT ACCEPTED! CHANGE YOUR EMAIL ADDRESS!

williams2583 replied:

you can contest as Tiggy says depending on your view of success or just wait and see if they pursue the ccj,your choice

Tiggy replied:

When the original poster checked they did have a CCJ lodged against them, maybe you should do the same and either check with the trustonline or the County Court Business Centre to make sure they haven’t got one against you, if they have they can get an attachment of earnings order against you.

Sacha1 replied:

NOT BY VERY DODGY EMAIL, THEY CAN’T!

not by very dodgy EMAIL ONLY contact. NO THEY CANNOT.

Tiggy replied:

Yes they can, just as the case of the original poster they can send the Court documents to the last known address and when you don’t respond you can (just as he did) get a judgment by default.