Perch/Aci and guarantor on old Buddy loans debt

[looplooks]

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

[dx100uk]

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

 

[looplooks]

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.

[honeybee13]

Bailiffs can only get involved after a court case. You're not at this stage and may not be in the future.

HB

[looplooks]

Thank you

I feel so out of my depth 

[dx100uk]

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.

[looplooks]

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.

[dx100uk]

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

 

[looplooks]

Ok, thank you

Very grateful 

[fkofilee]

Hi Loop - What correspondence have you had so far please?

 

 

[looplooks]

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.

[fkofilee]

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!

[looplooks]

Ok thank you 

[Homer67]

No need to call them, just block their number!

[dx100uk]

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

and the email AD's too 

[looplooks]

All blocked thank you all