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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.Originally posted by Caesar View Post
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
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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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Thanks RogerOriginally posted by Roger View Post
One more question.
I've received Notice of Default served by email and being issued by TMLS on behalf of ACI acting for Perch Capital, the legal owner of the debt. It is obvious that this 3 companies are actually one.
Is this something normal? To send DN after almost 4 years and debt was sold two times?
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No it’s not normal but I’d it a notice of default or a Default Notice. They are different things entirely.
Dies it mention being served under S87(1) and does it give you a time scale to remedy itComment
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Hi Warwick65 . Thanks for reply.Originally posted by Warwick65 View Post
The title of the email says: ,,Notice of Default''
And later on in the email I can see this: ,,This is a default notice served on you under Section 87(1) of the Consumer Credit Act 1974 because you have failed to keep to the terms of the agreement.'' And at the end they gave me a time scale to remedy it.
So, is this a notice of default?
I am still a novice but another thing that I consider odd, is one company to send notice of default in behalf of other company. Please correct me if I am wrong.Last edited by Caesar; 21 January 2020, 20:42.Comment
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As far as I know one company can not issue a DN for another- Mercer’s caused bother for Barclaycard
As I have posted elsewhere on here but not sure where, a DN has to be served by post or so I think.
Also the wording has to be very specific but without seeing it I couldn’t even comment.
What clause did you break, how much do you have to pay ?
What are the names and addresses on the top of the DN
How long does it give you to remedy the breach , does it just say in 18 days or does it give a date?
What happens if you do fix it, what happens if you don’t?
Were there any other attachments to the email?
See it’s a minefieldComment
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Originally posted by Caesar View Post
I've just received a Claim Form from Northampton County Court Business Centre. The claimant si Perch Capital Limited. I have 14 days to reply to the claim. Can someone help me with this?
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Morning.
don't panic, I am sure Di will be along later to help.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Speak to:-
di@joannaconnollysolicitors.co.ukor by telephoning0330 053 9340.Our initial advice is always free.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Try not to panic. What is the date on the claim form? You have 19 days from that date to respond which means logging on and acknowledging the claim. Then you have another 14 days to submit a defence.
I am not sure if I’ve said anything to you about service by post for default notices but I may have been wrong although possibly no harm in adding it in.
There are still lots of options even if you feel there is no hope of defending.Comment
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Email sent to Di. Thank you all for help.Comment
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Hi Caesar
Any updates on all this
I am assuming you sent a cca request, a cpr 31.14 request and filed a defence.
Assuming you filed everything at the last minute and allowing for post and service time, you should be receiving a DQ any time soon. Sadly having said that I imagine the court service is running on reduced staffing levels so if they sent the DQ back to the court by post, it might take them some time to get one sent out.
Any updates would be good to hear- and also good for other members to see how he process goes.Comment
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