I've filled out the breathing space application and got an email confirmation for that now. Do I assume that this means TM Legal can't now apply for any court action until at least the 60 days is up?

I asked for breathing space in an email to them on Friday but haven't heard back . They gave me three days to reply on their email on Thursday and they've already sent me a letter of claim (although it didn't have the enclosures mentioned) I just don't trust them not to apply for a ccj on Monday and ignore my email, the same way they ignored what I said and sent police to my house

I've not had any response except an automated thing saying it could take up to 10 days to get back to me and if urgent to call them! It's the third day today since I got the email giving me three days to respond back so I'm assuming that tomorrow I'll be sent the court papers.

I ended up sending them an email explaining that I need more time for mental health reasons. I didn't really want to call because last time I did they sent the police round and that made my anxiety levels rise too much just thinking of that again. I'll let you know their response

Got this a few minutes ago We need you to contact us within the next 3 days to either repay this balance in full, set up an affordable repayment plan, or inform us if your circumstances do not allow you to make a payment at this time. Failure to do so will result in the commencement of legal proceedings against you

I hope you feel better soon! Thank you so much for the help both yourself and dx have given so far

I do owe them them the money, I took it out when I had various other payday loans at the time and also 4 CCJ's to my name But surprisingly they still accepted me

None of that was included in the postal letter. There were just two pages and one was double sided which is what I scanned in Not sure if it makes much difference but they keep saying I owe £300 yet the annual statement says it's £299 and some pence.

Thank you so much for helping

I just got this email this morning at 08.30 from TM I thought I had 30 days to respond to a letter of claim but this implies it's now next week instead:( Our records show that you have not yet repaid this debt in full or set up an affordable repayment plan to pay in instalments. We are still prepared to work with you to set up a plan in line with your circumstances, but we must hear from you no later than 28/08/2023 otherwise legal action to recover the outstanding balance will be taken.

Oops, sorry I missed that bit! Thanks dx

I briefly read through the file, it mentions that if the debt is with a debt purchaser then I need to put the complaint in to the original creditor. But myjar are no more, so would I send any letter to TM or Perch?

Yes, complete with 4 CCJs

I had to copy and paste the e-mails into Word. tmlegalstuff.pdf

I'll edit and upload this afternoon:) Thank you