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ACI Debt collection agency
Hi, just looking for some advice. Anyone hd any dealings with ACI debt management company. I'm dealing with a self managed Dmp and had dealings with a few companies but this company are so difficult to deal with, I set up a standing order over the phone as they were too frustrating by email. Agreed to set up 1st of the month a d they split the payment to my creditors e get to the 27th of the month and they have emailed to say the payment plan has failed, it's not due to come out untul the 1st. Anyone else had any issues with them? Thanks.
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I'm confused (which is normal!) You say you're in a self managed DMP but then say that ACI are paying your creditors. You also say ACI are a debt collection agency but also a debt management company.
If you are self managing why not just make all the payments yourself and cut them out of the picture altogether?
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ACI are an annoying, useless debt collector/purchaser, ignore what they say to you, they are run by children.
Just pay when you can and confirm in an email what you are paying and when, and let them rattle on about it as much as they like.
Once a debt defaults there are no longer any rules about regular payments or payments to be made by a certain date, you decide when, and how much, not them.
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-letter2 -
Thanks for the advise Sourcrates, can they not take me to court if I'm not Co operating? Brie, sorry didnr make that clear, they bought the debt so I'm am now paying them and they are splitting the payment between the companies debt they have bought but they are really difficult. Sending texts saying I've broken the agreement when I hve a standing order set up for 1st of the month and they are chasing on the 27th. No issues with any of the others so far. I'll do what you say Sourcrates and email them to say I'll make the payments as normal and they can like it or lump it!
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You should make yourself aware of the civil procedure rules, specifically the need for a "letter before action" a document sent to avoid legal action by coming to an arrangement with your lender first, you are already in an arrangement, so are already complying, they have no recourse to legal action at this juncture.
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-letter2 -
That's great, I'll read up on that. Thanks so much.
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