TM Legal Omdömen 

Was on the phone with a staff member called Hope, she was very polite. She listened and explained the context of the call in a way I understand after I told her I struggle to understand things. She "dumbed" is down as people would say but in a good way. I fully understood the hole process when she did. She took into account my finance situation and set helped me set up a plan on a date I know i can pay on. Although it will take me just over 2 years to fully pay it off, but she was not mad nor did she push to impress the monthly repayment. Unlike other debt agencies will push for stupid monthly payments. They explained more of the debt I have and kept calm duing the the hole call. I suffer with a few medical conditions, but she spoke to me as a human with respect and clarity. Very helpful and I am glad that I got the phone call done, as I was concerned the letters where not legit. Overall I am verry satisfied with the service I received, and one less thing to stress over now.

I forgot the gentleman’s name but he was fantastic on the call with me today. Made me feel at ease and helped me sort something out.

TM Legal are extremely helpful, professional, considerate & very understanding in what ever your position you find yourself regarding debt. They arrange with you what will be best for you on repaying off your debt with no pressure. Again they are very understanding & considerate, I would highly recommend them to my family & friends.

When you have to make a call to this company, you've definitely got problems at home. Don't be afraid, the call will go smoothly, make sure you have your income and expenditure and be truthful. The call handler will be understanding, no judgement, they are there to help and if you are lucky enough to get Ian, you're on the road to feeling so much financial relief by the end of the chat. Don't stick your head in the sand, the issues will not disappear, stand up straight, breathe deeply and make that call and this is from a person who had a mental breakdown due to financial burdens.....

I have no interest in your fake “hi there”, or your jargonistic “reaching out” – I have not fallen from the Titanic waiting for your lifebelt – or your “investigations” (do they come with a magnifying glass and a Cluedo set?)
Further to your communication of 23.09.26, I make the following observations.
While I was reasonably well-disposed to your company at the outset since you were merely inheriting a matter that, for five years, has remained ludicrously unresolved, it would appear that your company's incompetence now exceeds that of the apathetic, ill-mannered and evasive company that you represent, thereby degenerating into cyclical nonsense.
In earlier correspondence (documented):
[i] I instructed your company that I am not your “friend,” nor am I lured by casual first name terms. This is ostensibly professional correspondence and should be conducted in that manner. I would suggest that you read previous correspondence - because it appears that you have not done so.
[ii] I have made repeated requests for documentation, which have been ignored and / or avoided for a period of 5 (FIVE) years. Rather than your regurgitating a standard and uncontextualised communication, I would suggest that you read previous correspondence – because it appears that you have not done so.
[iii] I have made repeated and highly detailed statements in response to this matter, none of which have been acknowledged let alone addressed. I would suggest that you read previous correspondence – because it appears that you have not done so.
[iv] Your company wrote to an address where I do not live, which I do not own, where I have never resided in any capacity, and in which I have no property. You had no legal right to do so. To date, you have failed to offer any reason for that. Is the practice of your company to ignore questions addressed directly to you? I would suggest that you read previous correspondence – especially where I have explicitly stated my potential reporting of your company to Police Scotland – because it appears that you have not done so.
[v] I have made it repeatedly and abundantly clear that I have no interest in any outcome of your ‘investigations.’ Frankly, if your company, or the company that you represent, is incapable of ‘investigating’ what was a comparatively minor matter within an eight-week period then I suggest that:
[a] your company investigates itself – because it appears it has not done so;
[b] you read previous correspondence – because it appears that you have not done so, and
[c] your company has the courtesy to act accordingly – because it appears that it has not done so.
[vi] Rest assured that my escalation of this matter will go well beyond any further procrastination effected by the CSA.
I have already written a review on Trustpilot. I shall, of course, be writing another one, to be precise a copy of this correspondence.
[vii] “If you would prefer to wait, we expect to send you our Final Response very shortly.”
I am not waiting until you most nobly condescend to provide your final response. You, or the company that you represent, have had five years to do that.
If you would prefer to wait, then you can expect my “Final Response” which will never happen.
Maybe you should engage in some in-service training e.g. “letting the left hand know what the right hand is doing,” or “running around in circles, and how to avoid it,” or “reading correspondence more than 24 hours old and thinking that it may have some relevance” – that’s a real “winner”.
Once again, I shall keep my anonymity here, but you’ll have no trouble finding me – because I have just sent all of this to you – and the 24 hour "we'll just ignore it" time period has not yet passed; let’s hope it will work.
I do not run around in circles.
Have a nice day.
UPDATE: [1] "Thank you for your review, whilst we understand you state we know who you are, we are unable to verify any information. If you are willing to provide information, so we can locate an account, we can review" Try reading your inbox, try reading the content of this review and comparing it. [2] Bad luck on your attempts to flag my review as defamatory - which was rejected by Trustpilot. But let me tell you who you are defaming: an 83-year-old woman who died in a care home 5 years ago and from whom you try to grab £100 with not a shred of evidence - that's who you're defaming!

The man i spoke to today was helpful and police and very understanding to my situation.. thankyou

Spoke with Ian after burying my head in the sand and avoiding all contact for a number of months dues to mental health issues. He was very understanding of my situation. And helped in every way he could by lowering my monthly payment and delaying the payment.

Amazing service received from Beth today. I can be honest and say I was a little rude towards her and this was no fault of hers. She went above and beyond to help me today. Sometime awful situation can turn us into awful people, I just want to apologise for being rude towards her.
10/10 for her politeness and calmness throughout our conversation. Sorry again for being that person !

Ive been so worried about getting in contact with these as didnt think anyone would listen to what im going through at the moment but felt so relaxed once speaking to someone and felt like I was being listened to about what im going through and feel so relived I have now got this sorted,the lady was amazing and so polite,very good company and thank you for supporting me

The resolve issues with experience and also everything was good clear

The lady which i have a chat about my problem help me too much

Tyra, was very helpful!! Thank you

This is a thankyou to khadija, she was so polite and understanding.. great comunication skills explain everything in the easiest way possible. Thankyou. :)

Very quick and the lady on the phone was very helpful thanks

Michael was really Professional.

This company has suddenly started to bombard me daily with voicemails (4 on Saturday alone), the same generic message each time, without using my name, sayings it's about an important issue. I have no debts or defaults, never have. I even checked my Experian record in case something was incorrectly put on there. This is a very nefarious operation, harassing innocent people via mobile phone. An ethical company with a legitimate issue would write to you using your name, not use a random mobile no which could belong to anyone.
*They've now sent me a text addressing me as 'Florin'. That is not my name and I have no debt with Perch Capital.*

Absolutely dreadful company to deal with. Sent a defence to court asking for evidence of debt. Almost 3 was later received a letter - no proof of debt, just a letter saying ‘they had evidence of the debt they were willing to bring to court’ - really? So why not provide it when I asked as part of the defence, when I said I didn’t recognise a “lendable” debt?

Offered a 50% reduction instead…tells me you were lying. Still harrassing me with texts and I am going to report to FCA as this company are absolute sharks.

Beth I spoke to today was very nice. Shame she works for such a disgraceful company.

The call handler was efficient, clear & friendly

I was satisfied with the solution until I discover that 2 PAYMENTS OF THE AGREED AMOUNT HAVE BEEN TAKEN FROM MY ACCOUNT..!!!
CONTACTED BY DONE THIS A.M. TO BE ADVISED THAT T.M.L. CANNOT REFUND YET OVE AGREED A PLAN FOR TWO FURTJER MONTHS ...!!
NOT IMPRESSED. COM !!!