ACI-UK have contacted us about a debt but no info provided

Hello, my husband has received an email today - never had prior communications with ACI UK nor heard of them. now this is worrying as it has set up to our joint account so this money taken will also be mine.  We recognise the figure but this was for a loan the has been completely cleared and we have the letter form the loan company confirming this! (I understand that may just be a coincidence). He has contacted them but still no reply. It states he has opted to make repayment by direct debit - he hasn't and also can't without me agreeing as its a joint account and we have it set up that both of us need to authorise new payees.

Dear Mr *** ***,

Having accepted your Direct Debit details, we would like you to confirm that they are correct. Please can you check the details below:

Account Name: 

Account Number: *****

Sort Code: *****

We will debit your Direct Debit of £592.87 from your account ending in ******** on or after 31/05/2024. We will continue to debit £592.87 monthly on the 31 of each month until the balance of £0.00 is repaid in full.

If any of the above details are incorrect please call us as soon as possible on 01253 531 516 or email us at ******@aciuk.uk. However, if your details are correct you need to do nothing and your Direct Debit will be processed as normal.

Direct Debit Terms and Conditions

You have opted to make repayment(s) on your account by Direct Debit .

Comments

  • Brie
    Brie Posts: 14,093 Ambassador
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    Who has he contacted and how?  If he's never heard of this company I would assume it's a hack/spam/scam of some sort.   I would definitely contact the bank in question - first the one where the loan was from to ask if there was anything showing as outstanding despite the letter to the contrary.  And then contact the joint account bank where the money is supposedly being taken from to let them know you suspect a scam.  

    If he does decide to contact ACI do it by snail mail to lessen the information provided to them.  They themselves may have been hacked to make someone think this is legit.
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  • Grumpelstiltskin
    Grumpelstiltskin Posts: 5,251 Forumite
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  • fatbelly
    fatbelly Posts: 22,544 Forumite
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    Does it actually say

    'until the balance of £0.00 is repaid...'?

    It actually sounds like a mess-up rather than a deliberate attempt to rob you. 

    However we have seen scams like this impersonating genuine firms, and they are always by email/text. I think you should keep an eye on your account but not reply to the email


  • sourcrates
    sourcrates Posts: 31,043 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Ignore anything other than a letter, time and time again people post about receiving an email asking for this or that, you only ever need respond to letters, never emails asking for money or stating gobbledygook.

    Its either spam, or an error on their part.

    Check your account with the bank and make certain nothing has been set up.
    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 forumteam@moneysavingexpert.com. 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
  • RAS
    RAS Posts: 34,910 Forumite
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    Send the Prove it letter in the Stickies at the top of this forum. 
    If you've have not made a mistake, you've made nothing
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