ACI Chasing on behalf of Instant Cash Loans

[baffledandconfused]

Hi,

Need a bit of advice on what to do.

Back in 2016 I took out a payday loan with Payday UK who apparently were also Instant Cash Loans. I was unable to pay the loan back and ignored them

They then sent the debt on a rollercoaster journey to first BW Legal, then CRS and the latest is ACI.

 

When the debt was with CRS I started to make payments back towards it up until December 2020 when I found out my job was at risk after the pandemic.

I was made redundant in June 2021.

 

In September 2021 after hearing nothing from CRS the debt moved to ACI who have since been hassling me for the remaining balance.

Today, I got another e-mail from them saying that I'm at risk of a Notice of Default and need to pay the full amount by the 16th February!

 

Unfortunately, I have no idea whether or not Payday UK sent out a default back in 2016 when they didn't receive payment and I also oddly can't find the debt on my credit file either so I've no idea if they did or not.

However, surely a default can't be issued after 5 years of the original debt not being paid?

 

And if Payday UK did send out a default notice then can a debt be defaulted on twice?

 

Any help would be appreciated.

A

[Homer67]

When the debt was with CRS I started to make payments back towards it up until December 2020

 

If the above is accurate then your statue barred  date is January 2027.

 

[dx100uk]

I doubt payday uk are aci clients? I think you mean AIC?

have you ever had a notice of assignment?

 

you should be ignoring and bouncing all emails!!

 

have you moved since taking this out?

 

DX

 

[baffledandconfused]

ACI Customer Reference: xxxxxx

 

Total Balance Outstanding: xxxxxx

 

Dear Mr X

 

Urgent attention required – You are at risk of a Notice of Default

 

Further to our previous email we note that to date, you have failed to clear your contractual arrears of £xxxxxx in relation to your Instant Cash Loans Ltd debt.

 

To resolve this situation, you must now, bring your account up to date by 16/02/2022 by paying your contractual arrears of £xxxxxx

 

Yes I did get a notice of assignment and yes I had moved since taking out this loan. However I assume they have my current address because CRS was using it

[dx100uk]

NOA from whom?

they are now the owner of the debt then.

 

you NEVER assume just because some fleecer writes to your current address that that will protect against a backdoor CCJ to your old address - it does NOT. you'll only know if you check your credit file regularly or you get bailiffs at your door!!

 

if you did not in WRITING inform the original creditor you'd moved, nor have any dca since, you must WRITE to the owner simply stating your correct and current address

 

this goes for ANY DEBT you last paid or used in say 7 yrs.

 

as for that email. rubbish, a debt buyer cannot issue a default notice only the OC can and that would have been done on or before the sale.

 

[baffledandconfused]

4 hours ago, dx100uk said:

NOA from whom?

they are now the owner of the debt then.

 

you NEVER assume just because some fleecer writes to your current address that that will protect against a backdoor CCJ to your old address - it does NOT. you'll only know if you check your credit file regularly or you get bailiffs at your door!!

 

if you did not in WRITING inform the original creditor you'd moved, nor have any dca since, you must WRITE to the owner simply stating your correct and current address

 

this goes for ANY DEBT you last paid or used in say 7 yrs.

 

as for that email. rubbish, a debt buyer cannot issue a default notice only the OC can and that would have been done on or before the sale.

 

 

When the debt was transferred firstly to BW Legal then CRS they both had my current address which as I stated was different from the address that I originally took the loan out at.

 

Now, not sure what address ACI had so I logged into the portal to check the information they had and I got a bit of a surprise.

 

The address that ACI have is neither my current address or my previous address which I took the loan out but incredibly they've gone way back in time to an address I lived at 25 years ago!!!!

 

Where on earth they dug that one out from I do not know.

Is it advisable to change my address with them to my current one (which I still find odd they don't have as they inherited the account from CRS who had my current address) before they attempt a back door CCJ?

[dx100uk]

Understand how debt assignment works and to whom 1st

 

bw are a solicitor acting for their stated client. Its what address the stated client has and who their client is and what address they have that is important. Only the debt owner can take court action through a solicitor. So....

 

until someone sends you a notice of assignment, the debt has not been sold. Its always the debt owner you must ensure has in writing from you your correct address always 

 

as long as a firm has a ccl they can access your credit file.