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Perch/ACI Chasing me for a Ferratum loan from December 2017


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  • dx100uk changed the title to Perch/ACI Chasing me for a Ferratum loan from December

deal the same as you did with your other thread

Ferratum went bust like myjar, Perch bought all these debts up em-masse for £1=10p

 

 

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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Arh good old mr Perch Verify again!!

Best answer is DX above. Tell them to go away. 

 

On a side note, this likely will have 18 months before running the course of it being Statute Barred

So expect A LOT of comms from them trying to wrap it up. 

 

However I do have a question. In order to pay these debts if it comes to it - Would you be prepared to pay £1 a month? 

Can you afford it? 

 

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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Oh I thought it would be statute barred on 6th December? Tbh I could pay it now but I couldn't pay the other one…. The same applies to me being manic at the time of taking them out interestingly this doesn't show on my credit report…

 

I'm a full time student and the loan is 12126 and the fees are 11k of that. I do have a part time minimum wage badlr job though thx again! Xx

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Well its 6 years from default date it drops off your credit file and about 6 years from last payment date possibly (Cant remember if thats fully the case) 

So both accounts with ACI - Ca you afford £2 a month - £1 per account? Its just in case you are left no option but to pay. 

Im just saying so you dont suddely lose £200-odd at once :)

 

Remember once it is defaulted, it cant be defaulted again or harm you unless it goes to a CCJ

 

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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gotta send a letter of claim 1st 

that gives you 1 month to reply BEFORE they can start a court claim and by then 6th dec would have passed so bye bye debt.

when this debt has passed the sb date send them our sb letter nail them in their box regardless.

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... 

Link to post
Share on other sites

  • dx100uk changed the title to Perch/ACI Chasing me for a Ferratum loan from December 2018

opps cant count though it was 2017 not 2018 takeout date sorry

or are you in scotland?

the 6yrs sb clock wont start ticking until after your last payment or dn+14 days.

 

 

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... 

Link to post
Share on other sites

ah ok 

so wont be SB till say may 2024 

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... 

Link to post
Share on other sites

  • dx100uk changed the title to Perch/ACI Chasing me for a Ferratum loan from December 2017
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