Payday loan CCA

[scottygees]

We've now talked this through which flagged up a possible issue (for them)

Di

many thanks Di. Lovely to speak with you again

[Joanna Connolly Solicitors]

many thanks Di. Lovely to speak with you again

Likewise.

It's always satisfying to come across 'a new line of enquiry'

Nothing is guaranteed with the debt industry where debt purchasers sometimes plough on with legal proceedings regardless, but my attitude is always to look for any possible weak links early on.

And then not to reveal them too soon so that they can remedy them.

Di

[scottygees]

Likewise.

It's always satisfying to come across 'a new line of enquiry'

Nothing is guaranteed with the debt industry where debt purchasers sometimes plough on with legal proceedings regardless, but my attitude is always to look for any possible weak links early on.

And then not to reveal them too soon so that they can remedy them.

Di

Di
Since speaking with you TMLegal have sent 3 further emails (even though they have also confirmed there isn’t a CCJ) stating the action that are now going to take. The first email goes on about still wanting to work together to achieve a solution but outlines what potential action they could take. Email no.2 says they are going to go for an attachment of earnings and outlines the implications of this and the 3rd email received two days ago says they are going to complete an N323 form Request for warrant of control to the court, which MAY lead to bailiffs being appointed to seize goods etc.Now obviously these e mails would be worry if a CCJ was actually in place but as there isn’t and they have confirmed this in a recent email to us, should we highlight this to them?

In the same breath an email has been received from Asset Collection regarding complaint we sent them and stating they have 8 weeks to investigate. Again you are well aware that I copied TMLegal into all correspondence I sent to Asset (I have proof of posting and delivery)so they should be aware of the situation. Could really do with a quick steer as to what to do as TMLegal obviously don’t take any notice of correspondence sent to them. The warrant of control email gives until 30th July to respond.
For peace of mind I have just checked the register and it confirms no CCJs registered

Thanks
Scottygees

[Warwick65]

This is a difficult one as clearly you do not want to provoke them into action but at the same time TM and Asset have history telling these kind of lies. The natural way of doing things is to wait the 8 weeks and then escalate to the FOS. I think, if it were me I would report both firms to the FCA. Now while the FCA do not action individual complaints , hopefully it will help build up a picture for them so if they receive enough complaints they will take action against Asset because they are responsible for the actions of their agents. I am assuming TM are these people https://www.tm-legalservices.co.uk/ If they are I think I would make a complaint to the SRA as well. What they are doing is wrong on so many levels.

Just remember, I say this because I am bloody minded - others may think differently

Diana Mayhew any thoughts?

[scottygees]

This is a difficult one as clearly you do not want to provoke them into action but at the same time TM and Asset have history telling these kind of lies. The natural way of doing things is to wait the 8 weeks and then escalate to the FOS. I think, if it were me I would report both firms to the FCA. Now while the FCA do not action individual complaints , hopefully it will help build up a picture for them so if they receive enough complaints they will take action against Asset because they are responsible for the actions of their agents. I am assuming TM are these people https://www.tm-legalservices.co.uk/ If they are I think I would make a complaint to the SRA as well. What they are doing is wrong on so many levels.

Just remember, I say this because I am bloody minded - others may think differently

Diana Mayhew any thoughts?

Thanks for the response. I just really wondered whether to alert them (again) to the fact they have already confirmed there isn’t a CCJ or let them find out themselves when they apply to the courts.
What would the courts view/action be in a situation like this?

[Roger]

This is a difficult one as clearly you do not want to provoke them into action but at the same time TM and Asset have history telling these kind of lies. The natural way of doing things is to wait the 8 weeks and then escalate to the FOS. I think, if it were me I would report both firms to the FCA. Now while the FCA do not action individual complaints , hopefully it will help build up a picture for them so if they receive enough complaints they will take action against Asset because they are responsible for the actions of their agents. I am assuming TM are these people https://www.tm-legalservices.co.uk/ If they are I think I would make a complaint to the SRA as well. What they are doing is wrong on so many levels.

Just remember, I say this because I am bloody minded - others may think differently

Diana Mayhew any thoughts?

I think that Warwick65 suggestions are better than pussy footing around with these two!
Complaint to SRA and report to FCA and also after that 8 weeks escalate to the FOS.
Make certain you record (sic reference and case numbers) your actions thus have the paper trail as evidence.

[scottygees]

I think that Warwick65 suggestions are better than pussy footing around with these two!
Complaint to SRA and report to FCA and also after that 8 weeks escalate to the FOS.
Make certain you record (sic reference and case numbers) your actions thus have the paper trail as evidence.

So I have looked at the SRA website and it is unclear how to complain, is there an actual form or will a letter be sufficient that includes copies of all documents

[Warwick65]

http://www.sra.org.uk/consumers/prob...solicitor.page

TM have certainly breached the SRA standards, I truly believe it goes beyond incompetence and is bullying

Hope that helps

[scottygees]

http://www.sra.org.uk/consumers/prob...solicitor.page

TM have certainly breached the SRA standards, I truly believe it goes beyond incompetence and is bullying

Hope that helps

Thanks, email with all attachments of TMLegals letters now sent to the SRA

[scottygees]

So what would happen if TMLegal did apply to the court to try and enforce this without their being a CCJ registered?

[Roger]

So what would happen if TMLegal did apply to the court to try and enforce this without their being a CCJ registered?

Diana Mayhew