TM Legal Opiniões 

Listen to my financial problems and was very supportive and understanding. Resolution was put in place and both parties happy with outcome. Highly respectable lady (norma). Highly recommend this service. Thank you again TM Legal. You have taken my stresses away.

Spoke to a young lady who was very helpful & understanding.

This guy was so empathetic and helpful really helpful to my case thank him

I spoke with Mishael who understood my circumstances and put an affordable plan in place.
I am on low income and this is a debt company who understands affordability difficulties and works to personal circumstances.
No threats or intimidation tactics used and worth setting a plan with them if you want to pay off debt.
They also made me aware of options, but the plan itself is why I would say they’re one of the most understanding companies.

Mish was very knowledgable and assisted me quickly and efficiently to resolve my issue, highly professional and supportive.

These are my concluding comments regarding your most ‘recent’ contact:
[1] You were asked why you sent a letter to the address of a property which I do not own, do not rent, and have never lived in.
[2] You were asked to produce evidence of the alleged debt.
[3] You were asked to produce all written communication that eventually led to your sending a letter to a property where nobody has the legal right to open it.
[4] You were given detailed information by me concerning this matter, not least that it pertains to an elderly lady who sadly passed away in a care home five years ago. The alleged “Great Train Robbery” amount of approximately £100 has never been unequivocally proven – either by you or by anybody else.
You have responded to none of this in any way, least of all by acknowledging the questions and requests.
This failure comes despite your company apparently conducting an ‘investigation’ that you stated would take eight weeks. You should have asked Columbo for assistance in this highly complex case because those eight weeks have expired and – now a month beyond that – you have still failed to provide a formal response.
“We wanted to let you know that your complaint has now reached the eight-week point, and while our investigation is still ongoing, we’re working to finalise our review and issue our Final Response within the next few days. … we expect to send you our Final Response very shortly.” (September 23rd 2026)
Now, the phrases “within the next few days” and “very shortly” do not mean an additional four weeks – at least they don’t on this planet.
But let’s get that team-orientated “we’re working” jargon wired in.
“Thank you again for your understanding and patience.”
I have never expressed impatience. I am not impatient to resolve anything. But you are right in that I have understanding, and my review will ensure that every other reader will understand too. It’s always nice to “share”, isn’t it?
Do you honestly think that your corporate platitudes cut any ice? Maybe it is time to invest in a new internal communication system; carrier pigeons don’t really “cut it” nowadays, do they?
And it was so nice of you to offer me the option of lodging some complaint via some time-consuming electronic system pertaining to your failure to meet the deadline. I don’t play your game nor would I wish to take the risk that they too use carrier pigeons. Frankly, communicating with you on a review site – where anybody can read it – is far more effective.
It could be procedural failure, it could be evasion, it could be total inaction, or it could be your own internal communication systems. Perhaps you should have investigated all of that? It might have saved you a couple of 1-star reviews.
My own review of this experience concludes that it is utter cheek: bad plan, Batman.
I am not in debt. I have not used credit for over twenty-five years, and so I don’t give a tinker’s cuss whether or not a credit rating could be affected. I did not “reach out” to you. I do not have an account with you. I do not seek a “solution”. There is no address in the UK where you can justifiably send me letters.
I shall not be pestered, nor shall I wait until you decide that your ‘investigations’ are complete. You and your predecessors have been ‘investigating’ for five years, and the amount of ground you have gained in that time amounts to nil.
All means of communication with you are now blocked. Any further attempts to deliver letters to invalid addresses will merely be marked “return to sender,” and formally reported to the appropriate authorities.
I don’t care if the deceased lady owed tuppence halfpenny; she would not have paid for your discourtesy – and you are cast-iron guaranteed that I won’t.
Anyway, I’m sure you will scuttle off to Trustpilot – like you tried (and failed) to do before – to claim that these comments are defamatory, which, of course, doesn’t quite align with the “hi there, First Name” lovey-dovey image you like to portray. Go ahead, but other review sites do not afford you the luxury of flagging tools, and so my feedback may continue elsewhere.
If you wish to pop round and see me, the flight takes thirteen hours. Do let me know if you’re coming, and I’ll put the kettle on. On the other hand, if I wish to come back to the UK at some point on my “archaic and shambolic business practices” fact-finding mission, rest assured that I shall pop round to see you. I take coffee black with one sugar – and a chocolate digestive.
If you wish to speak to the alleged debtor, contact a spiritualist. Now that’s a top tip because you’re only a few miles from the Pleasure Beach.
If you wish, above all, to humiliate yourselves, you are most welcome because you’ve done a grand job of it up to now.
Have fun. I certainly have.
To find out who I am check your in-box; it’s the fourth carrier pigeon on the left.

Great help, understood my situation, thank you TML

I Spoke to Amanda, and the service was excellent. She explained the process to me and answered all questions I had knowledgeably. It left me more confident and happy about the process and service as a whole.

Mish was excellent during my call. He listened carefully, gave clear and helpful advice, and reassured me throughout the conversation. He was unbelievably polite, patient, and consistently professional. His support genuinely made a stressful situation much easier, and I’m very grateful for the way he handled everything.

Zachariah was amazing at explaining everything in detail to me today . A real credit to the company with his patience.

Amanda was lovely very professional no pressure and sorted my problem out
Really grateful as iv been really ill and she put me at ease instantly

Disgraceful shameless disaster capitalism at its best. Horrible heartless people praying on miss fortune for cash.

You should all be ashamed.

Delt with my account and was very helpful

I am extremely disappointed by TM Legal’s handling of my account, particularly given their knowledge of my vulnerability and financial circumstances.

I am disabled, a single parent and the sole carer for my disabled child. I have multiple debts and less than £75 disposable income per month. Following an assessment of my circumstances, StepChange advised that a Debt Relief Order was likely my most suitable option.

The original debt was approximately £755. TM Legal commenced County Court proceedings on 6th August 2026, increasing the amount claimed to £895.87, including court fees and legal costs.

Despite my circumstances, I attempted to resolve the matter. My brother offered to lend me £377 as a one-off full and final settlement. This was money I could not otherwise access, offered specifically to help me avoid further proceedings.

TM Legal rejected the offer without making any counteroffer.

Instead, I was informed that the only way to avoid a County Court Judgment was to pay the full £895.87 immediately or over a maximum of five months, approximately £180 per month.

They knew my disposable income was less than £75 per month.

Their own correspondence emphasises that repayments must be affordable and must not interfere with essential living expenses. Yet their proposed terms were more than twice my available monthly income.

Although they offered an affordable repayment arrangement, they confirmed that accepting this would not prevent them from pursuing a CCJ.

Despite full disclosure of my disability, caring responsibilities, financial hardship and independent debt advice, I was effectively presented with two options: find nearly £900 within five months or face a CCJ.

I find this difficult to reconcile with TM Legal’s public statements about supporting vulnerable customers, understanding individual circumstances and finding realistic, affordable solutions.

I have not refused to engage or address the debt. I sought independent advice, disclosed my circumstances and secured a substantial one-off contribution from a family member to attempt settlement.

UPDATE - 20th October 2026

Following my original review, TM Legal publicly responded suggesting they were committed to investigating my concerns and finding a suitable resolution.

Similar assurances followed in their complaints correspondence, including:

“Rest assured they will contact you to resolve this matter efficiently and provide you with the best possible outcome.”

Today, I received their formal final response, rejecting my complaint in its entirety. Despite these repeated assurances, no meaningful resolution has been offered.

My £377 settlement offer remains rejected without any counteroffer, despite my clearly explained financial hardship and personal circumstances.

More concerningly, TM Legal have now confirmed in writing that they are still awaiting documentation from the original creditor.

I formally requested the relevant documents under CPR 31.14 on 21st August 2026, 60 days ago.

Court proceedings commenced on 6th August, yet more than two months after my formal request, the documentation remains outstanding.

Their final response states that my account has been placed on hold but provides no clarification about what this means for the ongoing court proceedings.

I find it deeply concerning that a regulated firm of solicitors can commence proceedings, leave requested documentation outstanding for two months, and then reject a formal complaint without meaningfully resolving the concerns raised.

There is a significant difference between publicly expressing a commitment to understanding vulnerable customers and finding suitable resolutions, and actually demonstrating that commitment.

After months of correspondence, I remain without the requested documentation, without an alternative settlement proposal, and without satisfactory answers to my concerns.

I am updating this review so others can see the actual outcome of the complaints process, rather than relying solely on the reassuring language used in the company’s public responses.

Please read the genuine reviews elsewhere . This company are a disgrace. Their customer service are atrocious and in no way Shape.or form. willing to help you and I've had the displeasure to speak to many. Managers won't come on the phone when you want to.speak to one. I asked for full and final settlement discount I was then told 5% then the adviser then spoke to someone else and then said the 5% is no longer available. I've raised 3 complaints so far and waiting for them to get back to me. Horrendous company and will be reporting them to CSA once I get a response to my complaints
Been stuck on the phone with them for hours .

I spoke with the lovely Nolwazi today who was nothing but professional, efficient, helpful and kind. It was actually a pleasure speaking to someone from a debt recovery agency!

Excellent customer service and very understanding staff of any personal situation regarding mental health etc.

Mish was a lovely person, very helpful and understanding. Thanks again