Aci my jar help

Robertson91
Robertson91 Posts: 17
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edited 15 October 2023 at 8:44PM in Loans
Good morning, 
I received the following letter from Aci regarding a debt originally from my jar loans. They sent me the following letter

ACI Customer Reference#####
Balance Outstanding
Original CreditorMYJAR Ltd
Original Loan Reference(s),

 

Dear ######

 

 As you are aware, you have an outstanding balance of £2,140.26 which remains without an appropriate repayment arrangement.

 

 Unless you pay this debt in full or begin making payments that are appropriate to your circumstances, we may instruct one or both of the following companies to recover the outstanding balance:

 

  1 - TM Legal a firm of Solicitors who specialise in recovering outstanding balances via the County Court. If instructed, proceedings are issued and a CCJ is granted by the Court, your outstanding balance would increase as County Court Fees and fixed Solicitor’s costs would be applied.

 

  2 - Perch Verify a specialist reconnection agency. If instructed, they will conduct an assessment and attend your home address to discuss this matter in person. Perch Verify will work with us to ensure the outstanding balance is recovered. This will incur a fee which will be added to your balance and become repayable by you.

 

 Our aim is to help you to reduce your balance rather than increase it. We can only assist you and help you to avoid further action if you set up a payment plan appropriate to your circumstances.

 

 Next Steps

The quickest and easiest way to get a payment plan in place is to set up a Direct Debit.

«13

Comments

  • Robertson91
    Robertson91 Posts: 17
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    edited 15 October 2023 at 8:45PM
    I replied with the following :-

    Dear Sir or Madam,
    I do not acknowledge this debt. 
    I have received a letter from your company, ACI requesting payment regarding an alleged loan originally from the loan firm My Jar which your company now claims to own. 

    I request, as is my consumer right that you send me proof that your company actually owns this debt in its entirety with an original copy of the transfer of all rights in its entirety for this loan from My Jar to ACI.

    I also request a full statement of account for this loan and a copy of the original loan agreement.

    Any future demands or requests for payment regarding this matter from ACI without supplying ALL the above proof I have requested is an offence and shall be reported to the relevant authorities with a request for them to investigate ACI. 

    I am entitled to all the above request for proof and until this is provided please consider this matter in dispute and cease all contact, threats of legal action and payment demands until all the above information is provided. 

    I forgot to mention they originally contacted and I sent them this reply 
    Yours sincerely
    *****
  • Since then I have had numerous texts, attempted phone calls and emails and letters demanding payment. I have not had a copy of the credit agreement sent to me but they have sent me copy of a loan drawdown summary that they say is linked to the original credit agreement? Are they the same thing as there is no name or address on the drawdown agreement. I have also asked them to prove they own the debt but I have had no response. They have only sent me 2 things, one I a loan drawdown summary with no name or address on it, just an advance number and they have sent me a copy of a default notice which only has an account advance number but not my name or address and the date of notice is 02/02/2015. I have been making payments on a debt payment plan to myjar but then they have passed the debt to Aci. I just want aci to prove the own the actual debt due to past experience of 2 debt collectors claiming the same debt. To date they still have not sent me a copy of the original credit agreement so is a loan drawdown summary the same thing? 
    I really appreciate any advice and thank you for your help and time. Thank you
  • sourcrates
    sourcrates Posts: 28,543
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    edited 22 September 2023 at 5:46PM
    You have sent them an out of date template letter, the relevant section of the consumer credit act was repealed, and it ceased to be an offence for non compliance quite some years ago.

    We have an up to date version of that letter in the sticky section on the Debt Free Wannabe board, we call it the "Provit letter".


    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Thank you sourcrates,
    They seem to think and loan drawdown summary that they say is linked to the credit agreement is enough without supplying the original credit agreement. Would this be the case do you know? Thank you again for your reply I appreciate you taking the time. 
  • They have also sent me a copy of a default notice but again not name or address on the letter, These are the only documents they will provide me as proof they own the debt. I have sent a subject access request. I don't know if they can enforce the debt or not as this is all they have sent me. 
  • sourcrates
    sourcrates Posts: 28,543
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    edited 23 September 2023 at 11:01AM
    That is a "notice of default sums in arrears" which means you were behind on your contractual repayments.

    That is NOT a "default notice".

    A "default notice" is a legally required document sent when you are between 3/6 (or more) contractual repayments in arrears, and the lender requires you to pay all of the arrears, or the account will default.

    You usually have a 14 day window to remedy the breach.

    The original loan was taken out online, and different rules apply to online accounts.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Thank you so much I really appreciate your help 
  • Does anybody know if a loan drawdown summary is the same as a or proof of a credit agreement in the eyes of the law?
    Thank you

  • Does anybody know if a loan drawdown summary is the same as a or proof of a credit agreement in the eyes of the law?
    Thank you
  • sourcrates
    sourcrates Posts: 28,543
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    This is a summery of your latest borrowing, I assume you had a rolling credit agreement with My Jar.

    You would have signed an agreement originally, either on paper, or more likely digitally, this is not a credit agreement.

    My Jar operated on a rolling line of credit basis, where you could keep adding to your loan, as you repaid your outstanding borrowing.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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