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    • Hi Nicky Boy, My wife had Advanced Small Cell Lung Cancer (SCLC) which is not curable. The smallest quote for insurance was 1.2k per month (minimum) Her previous two Onco appointments were showing considerable improvements, so we were planning on visiting the USA later this year (Florida) with insurance hopefully at a better rate But the cancer came back with a vengeance 😢 I have travel insurance provided by my bank (since I used their credit card for some of the bookings) so I am trying to claim with them. My wife was automatically included in that insurance, so fingers crossed G Hi Nicky Boy, My wife had Advanced Small Cell Lung Cancer (SCLC) which is not curable. The smallest quote for insurance was 1.2k per month (minimum) Her previous two Onco appointments were showing considerable improvements, so we were planning on visiting the USA later this year (Florida) with insurance hopefully at a better rate But the cancer came back with a vengeance 😢 I have travel insurance provided by my bank (since I used their credit card for some of the bookings) so I am trying to claim with them. My wife was automatically included in that insurance, so fingers crossed G
    • Hi Nicky Boy, My wife had Advanced Small Cell Lung Cancer (SCLC) which is not curable. The smallest quote for insurance was 1.2k per month (minimum) Her previous two Onco appointments were showing considerable improvements, so we were planning on visiting the USA later this year (Florida) with insurance hopefully at a better rate But the cancer came back with a vengeance I have travel insurance provided by my bank (since I used their credit card for some of the bookings) so I am trying to claim with them. My wife was automatically included in that insurance, so fingers crossed G
    • A weak pound and hopes of tensions in the Middle East easing drove up the UK's top stock index.View the full article
    • Okay, so I’ll block their email so it doesn’t come through to my junk mail (this is the first one I’ve received from them). Will they still have to write to my home address in addition to emailing?    Thanks dx100uk! 
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Perch/Aci and guarantor on old Buddy loans debt


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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

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  • looplooks changed the title to Buddy loans, aci &perch capital help.me please
  • dx100uk changed the title to Perch/Aci and old Buddy loans debt

lots of things you are panicking over there that you dont need too.

a DCA are not BAILIFFS and have ZERO powers on any DEbt no matter what it's type.

as for CAB and insolvency people, waste of time.

there are 100's of Perch threads here just use our search and read a few.

i important point is have you moved since being her guarantor?

dx

 

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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well dont be 

not alot these scammers can do to you.

a DCA is NOT A BAILIFF and never ever can be

and as HB says ....bailiffs can ONLY ever be involved if you LOSE a court case (fat chance!!) , and dont pay within 30days, THEN perch have to return to court and ASK the judge to send bailiffs AND just remember this is a consumer credit debt, so there is NO RIGHT of forced entry.. in all truth there is VERY little they can do if you simply ignore them....but thats miles and miles and most probably not AT ALL in the future.

seems like you've been watching too much scam bailiff TV programs...

go read a good few perch threads here

you'l soon get the idea

what you should have done is NOT RESPONDED AT ALL. they think they've found a mug to fleece now.

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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just dont ignore a letter of claim that might poss come from their solicitors in group (same printer diff letterhead!) its from a bloke that sits one desk further away from the bog in the call centre and he wears a different coloured skirt that says TM Legal on it

if you get one, it will have a reply pack wanting I&E etc etc

just pop back here and we'll deal with it .

dx

 

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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  • dx100uk changed the title to Perch/Aci and guarantor on old Buddy loans debt

Please call them and ask them to remove your number and put correspondence in writing only. Thats all you call to discuss. 

You deserve peace! :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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yea it just gives them a feeling of grandeur, just block it.

and the email AD's too 

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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