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  • Originally posted by Downtrodden View Post

    Thanks for that Di. I have sent you a private message. I am not sure if it got through.

    Yes I got your PM, and have replied

    Di
    Legal Disclaimer

    I am a Litigation Executive at
    Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • Originally posted by Caesar View Post
      11. Uncle Buck payday loan
      • Type of account (payday loan)
      • Date commenced (2016)
      • Approx balance 500
      • Date last paid (2016)
      • Arrangement: not paying
      • Status (default)
      • Account owner (Asset Collections and Investigations)

      June 2018 Email from Uncle Buck that they have assigned my account to Asset Collections and Investigations. Now I have 2 accounts with Asset.
      I had a payment plan with Uncle Buck which I stopped it when I complained to FOS. My complaint was rejected but I haven't restarted the payment?
      Sept 2018 Letter of Assignment from Asset sent again
      Sept 2018 Letter of Claim from TM Legal Services regarding this debt
      Oct 2018 CCA request to Asset Collections
      Oct 2018 GDPR (SAR) request to original creditor Uncle Buck
      Oct 2018 Received email from TM Legal Services my requested credit agreement
      Oct 2018 GDPR (SAR) received from Uncle Buck but no Default Notice or Assignment Letter on it.
      Oct 2018 replied to Letter of Claim and denied the debts. I have requested the Default Notice
      Oct 2018. Email from TM Legal :,,Thank you for your response to our letter of claim. Unfortunately we are not supplied information regarding how and when the Default Notice is served. You can request this information directly from Uncle Buck''
      March 2019 a new Letter of Claim from TM Legal Services
      March 2019. Replied to LoC and requested one more time Notice of Default. Email from TM Legal :,,Thank you for your response to our letter of claim. Unfortunately we are not supplied information regarding how and when the Default Notice is served. You can request this information directly from Uncle Buck''
      Sept 2019. Email from TM Legal Services: Asset Collections sold my account to Perch Capital Limited. Perch Capital appointed ACI and ACI have instructed TM Legal to continue to manage my account.
      Sept 2019. Email from TM Legal Services: Asset Collections sold my account to Perch Capital Limited. Perch Capital appointed ACI and ACI have instructed TM Legal to continue to manage my account.

      Can someone explain me if this is correct? No letter or email from the owner of the debt telling me that they sold the account.

      And why are they doing like this? I've googled about Perch Capital and no info, just they have same address as TM Legal.

      Comment


      • Perch Capital Limited
        https://beta.companieshouse.gov.uk/company/11207867
        Previous Company Name: TM ASSETCO LIMITED

        Creating an Assignment Chain (selling from one Co to another) could prove a problem for them!
        Selling whilst in dispute doesn't change the absence of a Notice Of Default!

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