Perch/ACI/TM - Letter of Claim - old MyJar Loan

[Relentlessly]

Thank you so much for helping 

[fkofilee]

No worries, so they did send a letter yo u via the postal service?

 

Did they include the below in the letter? 

[Relentlessly]

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.

 

[fkofilee]

The Notice of Sums In Arrears or NOSIA is a legal document needed - Its a difficult one this one. 

On one side you have the mental health and lifestyle issues which by forcing you to go through legal action could make it worse, but you also have the mistakes made with the NOSIA and the balance etc which wouldnt stand up in court i expect, but if you complain and correct these matters, you are giving them ammo to correct their mistakes and lead to a watertight case. 

 

Question is - Do you owe the money? We dont condone debt avoidance, but I want to assist as best I can to stick it to these muppets. . 

[Relentlessly]

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

[dx100uk]

throw the morality card out the window..

 

you DO NOT OWE THEM ANYTHING. just because they loaned it to you.....!!!

they should not have done it!! IRL complaint, 

dx

[fkofilee]

Myjar's lending criteria was somewhat questionable as you could probably tell. 

Payday Loans / Installment Loans have always been a Sub Prime lending product and somewhat loose acceptance criteria, 

[fkofilee]

I havent forgotten you good sir... Please bear with. Illness, work and PC issues have plagued me the last couple of days.

[Relentlessly]

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

[Relentlessly]

 

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

[dx100uk]

by?

 

[fkofilee]

It grits my teeth saying this, but contact them and ask for a further 30 day hold due to medical issues. 

 

/assets/static/govuk-opengraph-image-dade2dad5775023b0568381c4c074b86318194edb36d3d68df721eea7deeac4b.png

Debt Respite Scheme (Breathing Space) guidance for creditors - GOV.UK

WWW.GOV.UK

 

 

They are required too and I think given the stress they are puttin you under right now, you need more time to formulate a plan. If they decline, then I have one other option but do it. 

Stay in control of the conversation and keep it on track to discuss breathing space only. dont discuss I&E or anything else. 

[dx100uk]

luckily breathing space is atleast 60 days alone . and if you have proof of your mental health crisis (though that's sometimes difficult to get) poss things like doc letters or hospital stuff, it runs until the crisis is over + 30 days

 

 

dx

 

[Relentlessly]

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 

[fkofilee]

You are entitled to peace and to dictate your only and preferred contact method

[Relentlessly]

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.

[fkofilee]

Let's see... 

[dx100uk]

why do you think you'll be sent court papers? i wouldn't ever believe what any DCA nor their dogs ever say .

did you do breathing space?

 

 

[Relentlessly]

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

 

[dx100uk]

you dont ask for breathing space from the fleecers 

you goto that website fko pointed too and follow the actions required in the guide it gives you 

 

[dx100uk]

/assets/static/govuk-opengraph-image-dade2dad5775023b0568381c4c074b86318194edb36d3d68df721eea7deeac4b.png

Debt Respite Scheme (Breathing Space) guidance for creditors - GOV.UK

WWW.GOV.UK

id be contacting stepchange or payplan etc 1st thing tomorrow. click the blue box above

no 2 the mental health option 

dx

 

[Relentlessly]

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?

[fkofilee]

They shouldnt be able too

But We can still help you defend a claim anyway - Itll take months before it gets anywhere