Gensk121
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I know it's an email and not written instruction but I've had a "Instruction of TM Legal Services Limited" come through. "TM Legal Services Limited are instructed by us to commence the legal process. You will shortly receive communication from TM Legal Services Limited, which will include details of how you can contact them." Should I still ignore this?
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I've had the credit agreement back and now i'm getting emails with "We have been trying to contact you to discuss your account but have had no response to date. Our goal is to resolve this matter with you, however if we do not hear from you we will have little option but to refer this matter, which may result in commencing legal proceedings against you. This would result in a claim being registered with HM Courts and Tribunals Service (England & Wales), Northern Ireland Courts and Tribunal Service (Northern Ireland) or Sheriff Court (Scotland) with a view to gaining a County Court Judgment (England & Wales) or Decree (Northern Ireland & Scotland) against you. Please note; in the event of a claim being registered, we are legally entitled to add costs to the outstanding balance. However, even at this late stage you can prevent this by contacting our Customer Care Team who are trained to understand your personal circumstances and to establish an affordable repayment plan where appropriate. Also, subject to affordability we are open to consider all reasonable offers of settlement. ACI are committed to treating everyone with courtesy, compassion and understanding to help you manage your financial situation."
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I previously took Avant credit to the FOS won the case and had a £4500 loan reduced to £2200. Avant then made me a good offer as I was struggling for money. They emailed me saying pay us £877 and we'll close the account. I managed to get the money together and went to pay them £877, only to find Asset Collections now own this and will not accept anything less than 2k. I have sent them the email from Avant. Which they have refused to accept. Do I have any power here to keep the offer at £877?
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UK Credit – Guarantor loan problems
Gensk121 replied to Gensk121's topic in PayDay loans and Short Term loans - General
I missed 7 payments from Apr - Oct 17. £281.50 each - £1,970.50 They demanded the full sum of £7,771. be paid in October and I said I could afford to start repaying the £281.50 from November. So they took that as a last chance to stop it going to court. Then this month the guarantor has been asked to pay more.- 10 replies
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