Sorry it was 2017 so you were correct xx Got a den in March April 18 Last payment was Jan 18

Oh I thought it would be statute barred on 6th December? Tbh I could pay it now but I couldn't pay the other one…. The same applies to me being manic at the time of taking them out interestingly this doesn't show on my credit report… I'm a full time student and the loan is 12126 and the fees are 11k of that. I do have a part time minimum wage badlr job though thx again! Xx

So basically hang fire and if they turn up tell them to bugger off? xx The loan is from 6 Dec 2018. PS Thank you as always

Hi All please see the attached. Would be grateful for help and advice. Thank you so much as always. ferratum.pdf

Yes two accounts different lenders. I assume the advice you've given would apply to both? Happy to start a new topic though

Thanks for everyone's responses I've just done some digging, this relates to a different debt this one with Ferratum....the joys of mania...This relates to a pay day loan from 17th December...From checking my old email...They've offered a 25% off settlement the amount is 128.36 without the discount

Sorry it was 2017, thing is I sent them details of my name change and they keep referring to me under my old name. I even have a copy of an email with them confirming it. So if they ask for someone under my previous name I would be correct saying no one of that name lives here. What are everyone's thoughts? Also interestingly the balance they're chasing has gone from 512 to 128 pound?

I've had my latest love letter from them plese see the attached...So i've checked through my notes and the loan was issued on 28/10/2023. ACI new.pdf

The irony Is when I started getting physical letters from them I contacted them back with my resolver case file where MyJAR accepted my new name. However because it's such a long document they haven't bothered to read through it which left us at am impasse. So your advice is to wait? I'd be surprised if they went legal for such a small balance. Thanks again.

Ahh thank you so much. I changed my name a few years back and logged into my old email account they've been threatening it for about a year now and taken no action. It will be Statute barred in December I think xx Payday loans and their charges the original sum was about £200 so over 300 added

Yes still suffer with bipolar just had my meds upped recently. I've just received another letter saying The next stages of recovery will include the instruction of one or both of the following:- 1 - TM Legal 2 - Verify a specialist and attend your home address. It does mention perch verify. I wanted to goto the the Financial ombudsman but because they had gone bust the ombudsman wouldn't investigate. Thank you all for your help so far too! threat-o-gram doorstepper time.pdf

Hi Dx, Still at the same address no intention of moving ever again. No mention of perch capital ever. May I ask what a letter of claim is please? x

Good morning, I hope that you can help me. Back in 2017 after buying a "project" house (worst thing I've ever done) and having the worlds worst trademen I went manic (I suffer with bipolar) and I took out numerous loans in a short period of time. On 10th August 2020 I wrote to myjar requesting that they waive the charges, and stating that given there were so many applications it should not have been approved in the first place. Ultimately they stood by their rejection of my case. I tried to take it to the financial ombudsman but received this from them:- I have recently received several letters from ACI which I will attach Thank you for looking an hopefully you may have some advice Debt is £535 Amina ******Response from the financial ombudsman********* Thank you for contacting us about MYJAR Limited. As you may know, MyJar went into administration on 22 December 2020. Paul Boyle, David Clements and Tony Murphy of Harrisons Business Recovery and Insolvency (London) Limited were appointed as joint administrators (‘the joint administrators’) to wind down the business. Unfortunately, when a business goes into administration we’re required to stop considering complaints against it. It’s now for the joint administrators to decide whether people’s complaints about MyJar will be upheld and whether they will become a “creditor”. The joint administrators will also decide how much money any creditors will receive. What does this mean for your complaint? This means we can’t take your complaint about MyJar forward. If you would like it to be looked into as part of the administration process, you’ll need to refer it to the joint administrators. Once the joint administrators have been contacted, they will assess the complaint – and let you know whether it’s been upheld and whether you will become a creditor. You can find out more about what’s happening, including how to submit a claim, at https://myjar.com/. Because we won’t be looking into this complaint, we can’t answer questions about the next steps – but the joint administrators will be able to help. I’m sorry that we aren’t able to look into your complaint. 20230-07-08 ACI Myjar debt threat-o-gram.pdf

I went down that route from the start and got nowhere , I work for Fedex so that is my usual route I’m assuming I might have to go legal but I’m unsure on what grounds I have

They will credit 150 off the existing balance this is about 2 years old although I’ve fought them from time to time over this , but I’ve not managed to speak to a human