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Aci/myjar
Comments
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I've never paid anything to it as it's still the same amount as it was when I first received the first email just over 5 years ago.0
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3 years ago from when Perch took it over through administration.0
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Do you mean you paid up to 3 years ago?Bl00m said:3 years ago from when Perch took it over through administration.If you go down to the woods today you better not go alone.0 -
I set up a dd, when Perch took over but never paid a anything to it, or before they took it over , so never paid anything at all.0
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Then the debt will be prescribed, and you should tell them so.
They must cease collection activity once that is confirmed.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-letter1 -
So just email them and tell them that?0
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Thank you all for your help.0
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Hi, ive just found out that ACI send an agent to my door, I was out but they chapped my neighbours door to see if i lived there and asked what my surname was, she didn't say anything but can they do that?0
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Not really no, is this the debt that is prescribed? have you told them its prescribed?
Under CONC fair debt collection practice, collection agents are not supposed to break data protection laws, but these 3rd party companies can be a law unto themselves.
Which company was it?
You can register a formal complaint with them for breach of GDPR, you can involve both the company concerned, and ACI as the client who engaged them.
Please stick to one thread per subject, I have merged your threads for you.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-letter1 -
"I've looked back and i did set up a payment plan last February, but cancelled the dd before i started to pay."
Were there any communications in writing about the debt, which may have acknowledged that you owed it before you set up this DD?0
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