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    • Hi Guys   Sorry for the delayed response   I have attached me Change of address letter and SAR which I am sending to EPS. I have redacted my information but apologies if I have missed something   I have also attached my snotty letter to Gladstone   Let me know if i am missing anything or need to change anything. I was thinking of sending the letter to EPS on Monday and then Gladstones on Wednesday   Also regarding @honeybee13, the comment about saying 'the driver' rather then I. I wasn't too sure how to implement this given i'd have to put my name in so they have someone to send the letter back to?    EPS Change of address and SAR Letter Redacted.pdf Gladstone Snotty Letter Redacted.pdf
    • Hi   I haveh ad a good re read of your Topic and do agree with BazzaS  that you need to take a step back from this and I can appeciate that you are not happy with the treatment that your relative has been given due to the sleeping pill being prescribed.   You mention the wait at the hospital of over X hours but you do not say if this relative went to a certain department with a GP letter or whether this was via the hospital A&E Department.   If it was via the Hospitals A&E Department you need to bear in mind the following:   1. This was during COVID-19 and protetions will be in place to protect both Medical Staff and Patients coming to A&E   2. The A&E Department will Triage every single Patient coming to that Department as to who needs instant medical treament to those who can wait a certain period but as this can be a fast flowing Department the Triage System can change minute by minute dependent on the amount of Casualties/Patients they have to treat.   IMO you need to approach this from the beginning as to why your relative was prescribed that specific medication with there medical condition and that GPs reasoning at that time. (was this fully discussed with that relative at that time, as you say they have capacity to sign a letter, did they understand what the GP was saying at the time about this medication and did they agree to the GPs decision to prescribe this medication if they have capacity and were the possible side affects explained)   My concern is you state they have Dementia then state they have capacity to sign a letter but we are unaware of what type of Dementia the relative has i.e. is it early onset Dementia as you need to be very careful if they have memory loss issues with stating they have capacity to sign a letter when there is no Power of Attorney nor Deputyship in Place for that relative.    
    • Be Wiser is the Trading Name of Atlanta 1 Insurance Services Limited, an Insurance Broker (see this link Privacy Policy look under 'Who we are': https://www.bewiser.co.uk/privacy )   Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   Company Number: 03642372   Incorporated: 1st October 1998   Company Type: Private Limited Company   Directors: Craig David Ball (Appointed 22nd March 2005) & Ian James Donaldson (Appointed 20th December 2004)   Companies House Link: https://find-and-update.company-information.service.gov.uk/company/03642372   FCA Register: https://register.fca.org.uk/s/firm?id=001b000000MfWfKAAV (according to above link they have 36 different Trading Names)   As stated send them a Subject Access Request (SAR) asking for 'ALL DATA' that little phrase covers whatever format they hold that Data in and they have 30 Calender Day to respond and the Time Limit only starts once they have acknowledged reciept of your SAR and are not asking for further identification which can then extend the time limit.   In the Privacy Policy Link: https://www.bewiser.co.uk/privacy  (see 9. What are your Right for who to send your SAR to (in fact see below))   Data Protection Officer Atlanta 1 Insurance Services Limited Autonet Insurance Nile Street Burslem Stoke-On-Trent ST6 2BA   There Terms & Condition on ther website isn't really clear on Cancellation in the circumstances you describe but it does mention elsewhere about if you have a telematics insurance policy to refer to suplementary information which isn't on there website.   Do you have a copy of your actual Polict that they sent you that you could post up in PDF Format and make sure it is redacted please as the T&Cs on there website may be different to your actual Policy due to them being a Broker.  
    • opps you emailed them asking to cancel you should have simply let one more payment go out then cancel the DD. they've had their money and £100's more than they ever should have gotten. cancel the DD ignore everyone.    
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Asset Collections and Investigations / Perch Capital

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Had a loan in 2015 (either Lending Stream/Uncle Buck). I believe I paid the first instalment back then Defaulted on this due to life circumstances (long story etc) and it was never added to any of  my credit files as far I know or could see from looking at the reports. I had completely forgotten about it over the years and only recently when checking an old e-mail address did I notice collection e-mails from Asset Collections and Investigations (ACI). The total owed is around £360.

As of the 1st Feb this year, Perch Capital ltd  has added a default to my file. From a quick search they appear to be a parent/sister company of ACI.  

Last updated: 1st Feb 2021
Start date: 29 May 2015
Date of default: 21 July 2016


I called them as I originally thought the debt was statutory barred (I live in Scotland) however the agent on the phone said because I had paid one instalment this was not the case and I also believe it would be statutory barred on the 21st July 2021 upon further reflection. Then I went through my reports and saved copies of my reports from through the years and not once on any of them has the account itself been reported on my file until this default was added at the start of Feb this year.  I then called them back and they said it was a continuation of a previous default however I never let on that this had never been recorded.


I then searched the internet for a partial settlement offer letter template and inserted my details and my offer of £190 and e-mailed it back off to them on the 5th March. I also asked them the following questions as per advice/template:

Can you also confirm that you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability?

Can you also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid?

They replied via my old e-mail address  on the 15th March and said they are able to accept my settlement offer. However they did not mention or confirm any of the questions I had asked in the e-mail. I replied on the same day, with the same questions, stating that once confirmed I was able to pay the partial settlement figure right away. I never received a response to that e-mail.

On the 16th March, I received another e-mail from them this time stating "Thank you for your recent email and offer of settlement. Your available settlement is £325.88. This offer is available for 30 days." Of course, they had already stated in the previous e-mail they are able to accept my partial settlement offer so I replied with that and attached a copy of the e-mail they had sent me just a day previous. On the 18th March they replied stating "Thank you for your recent email. We can confirm we have accepted the settlement for £190.00 however the payment will need to be paid on or before 31st March 2021.Please note, if we do not receive the payment your account you will receive communications."

Once again, they did not answer my two questions. I replied once again stating that once they confirmed the information in my questions that I would make the partial settlement payment right away once done.

I then received a reply a day later on the 19th with what I'd describe as a very vague response. "We write in response to your recent email. To make the payment for £190.00 please either visit the online portal by using the link below or please contact the office on ___.Once the account has been paid at the settlement offer, we will look to update your credit report as a true reflection, and it will show as partially satisfied." I replied to this, once again asking them to confirm what I had asked and I have yet to receive a response to this. The failure to confirm that they can take no further action against me to enforce or collect this debt - completely ignored that question. And the wording of the updating my credit file is vague and confirms nothing with the "we will look to".  

I have tried calling, only to be placed on hold several times for 10 minutes plus, at which point I had to hang up because I'm working or something has come up.  I have also e-mailed them back this morning, once again asking for confirmation of the above and yet to receive a reply.
I am currently drafting up a letter to send recorded delivery, however looking through previous posts about this company on this forum they seem prone to ignoring letters. They also ask you to send them letters to a PO Box address in Blythe, where as there is another address for a Blackpool office.
I suspect for them to actually receive this letter that I'd need to send to the Blackpool office as that seems to be their main location. I suspect they regret accepting my settlement offer and are just holding out for whatever reason. I am unsure of my next steps, if someone can point me in the right direction, that would be appreciated.
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please stop ringing and emailing these fleecers.


they are debt buyers and bought your old PDL for less than 15p=£1 and are now chasing you for the whole balance.

the default will remain on your file paid or not, paying or not until its 6th b'day when the whole account will be removed.


the fact that you are in scotland means the debt will be extinguished, dead gone parrot 21/7/21, so only a few months to go.

you go pay anything toward this, it will reset that for another 5yrs. and they will demand the rest.


the original creditor would have defaulted you on or before sale, nothing to do with ACI 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 5 weeks later...

why did you pay it? 

you need to be very careful here as you've reset the SB date and someone could go after the rest now for 5yrs.

just remember a DCA is NOT a bailiff

and have

zero legal powers on any debt no matter what its type


sorry but i worry you've got had here.




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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