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charleydaves

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  1. The address is ACI but its different town etc to their registered address, Blyth?!? Sending the letter today with proof of postage.
  2. Thats the letter. How do i make sure they use my present address, the one this letter was sent to? ACI letter.pdf
  3. Thanks for the reassurance, i will monitor my credit file. Even a quick scan of that post fills me with confidence about the future. Yes i have moved since taking the loan out, they were sending me letters and emails on a few day basis it felt like. Looking at the cost break down i was in default within 100 days of the loan. It was something like a £ a day
  4. There is no report of this on either Credit Noodle or Experian. This is baffling. Does this happen often? Does this loan show to the banks even though its not with credit agencies? BankFodder, the letter included no names, just the account number. I have the choice of ignoring or just paying?
  5. The loan was taken on 7.11.17 and the next payment was 28 days later, from memory it was the 3 or 4th of December. I sent the letter on the 10.7.23
  6. ASCI.pdf The reason why i didnt come on here was i already had the letter but was playing for time with them. I didnt have the knowledge of the credit file and didnt have the forethought to ask for help, stupid!
  7. So the payday lender was Myjar. I took the loan out in Oct 17, the payment was due Nov 17, i missed that and the debt was doubled. There is also no sign of this debt on my credit file, how is that possible? Have i really cocked this up with the letter, it was carefully worded with no names and asking for proof of the debt. The letter seemed good
  8. I have a payday loan for £100 which was doubled to £200 for missing a payment in Novemeber 2017. There is no trace of this debt on my credit file. In order to clean up my life i offered £100 without taking responsibility for the debt (followed a letter). They have replied £190. I am confused about this not being on my credit file but the paperwork in the reply saying that its a loan etc. Can i just ignore them and then get it barred in November or have i messed up by writing the letter? Edit: they have been sending threatening letters which is scaring the gf, all over £200
  9. I have my crime reference number. I will now compose a letter to achoice to tell them they are barking up the wrong tree here. Do you think that will be the end of it? Dont want court action bwing taken against after all efforts to sort my life out According to the jokers at action fraud this is not a criminal matter. Only the company that has been defrauded is allowed crime number. I have a reference which I hope is enough going forward
  10. It was taken out at an old address about 5 years ago. It wasn't for a car that I have owned which made me suspicious of my Ex wife. I am wondering if the documents that icon were asked to provide by me will tell the full story
  11. They do have it because of the phone call and trying to track down where the insurance policy was based from. I will make sure that I contact useless Action fraud and get a reference number which will hopefully be enough to get these people to stop sending letters
  12. That's what I said to the woman on the phone. I told her icon had not bought the debt BUT she insisted that icon were responsible for the debt, not them. She was very difficult, didn't want to know attitude. icon in their letter were clear they had no documentation.
  13. I contacted Achoice insurance. They were particularly unhelpful but with some light encouragement we managed to progress this along. An insurance policy was taken out in my name, address and date of birth. That had me worried! But after listing my cars it wasnt either of them. So it appears to be fraud. They want me to contact Action Fraud and obtain a reference number. They have stated that Icon now own the debt but they kindly have informed Icon that it looks like fraud. I dont think this is the end of my contact with icon collections going forwards. Does a refernce number from Action Fraud end all this trouble? Any advice of what to do now? I have a bad feeling my ex took out an insurance policy in my name, this could get messy lol.
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