All blocked thank you all

Ok thank you

I've had emails asking me to set up a payment plan from aci, nothing from perch yet. They try calling every few days but i don't answer those.

Ok, thank you Very grateful

Thank you so much. You've really put my mind at rest. I'll have a read through and ignore all future correspondence from them. Thank you for your time, I really appreciate it.

Thank you I feel so out of my depth

I'm worried about bailiffs, can perch make them get involved? No I haven't moved since being her guarantor. I'm so worried about it all. Thank you for getting back to me.

In 2019 I was a guarantor for who I thought was my friend. She wasn't she was a fraud. The company was buddy loans they did no affordability checks on either of us, I couldn't afford the repayments I was on uc. I was also heavily coerced into being a guarantor. I'm so embarrassed by this I was so stupid. The company defaulted on my credit report and I disputed it, it was cleared off because buddy loans didn't respond to TransUnion. I stupidly thought I had been taken off the loan and it was all sorted. That was in June 2021. I heard nothing from the company until this may 2023 telling me buddy loans had gone into liquidation and the account had been brought by perch capital and then passed on to aci. I emailed them explaining, they didn't care. I've been intouch with citizens advice, they told me to file a formal complaint with aci, i did. It was unsuccessful. I have put a complaint in with the insolvency service and emailed the insolvency practitioner who have said they can't do anything because perch brought the account. But they are emailing perch with my evidence to see what they can do. I'm so desperate to get myself off this and I'm embarrassed and worried that i'll end up paying for something that isn't mine. The borrower has changed all details and moved away because she's a con artist. This is making me so poorly, my anxiety is so high. Someone please help me