Hi,
I don't know where to turn as i'm just totally confused as what to do
I owe £300 to Myjar which originally was sent to ACI and then to TM Legal.
I am out of work and struggling to pay anything to anyone right now , I told ACI this is an e-mail which I never got any response to and then I started to hear from TM Legal.
I called up TM Legal as I didn't know what else to do and they wanted to know how much money I had and after I'd told them everything their representative on the phone said to me that I've got more outgoings than incoming and this reduced me to tears.
I explained to them I'm got severe mental health issues not helped by the death of both my mother and father last year and being made redundant from my job after 23 years
I was really upset on the phone and the woman said they are here to help and said they'd put my account on hold.
Half an hour after I did that, I had the police at my door concerned about my wellbeing and health, I assured them that I was okay but then I had the NHS at my door wanting to take me to hospital. All from calling up TM Legal!
I got an e-mail saying my hold had expired and then one saying they have sent out a letter of claim.
This letter says that ACI had made several attempts to contact me but where unable to engage with me. strange as they didn't reply to the e-mails that I sent them...
The letter also states that I need to contact them to discuss my circumstances with them. I'm no better off after their hold. they know my mental health condition is extremely poor and after them calling in the police last time I have no intention of engaging with them on the phone ever again
The letter also tells me about the additional fees that will be added and mentions 3 enclosures :-
Information Sheet (Is this the letter)?
Reply Form - Not included
Financial Statement - Not Included
The letter says I need to send a completed reply form by 7/9/23 - but I don't know what that even is or looks like as they never included that!
please help