Myjar IRL complaint refused - now ACI chasing me.

[Aminymoo]

Good morning,

I hope that you can help me.  Back in 2017 after buying a "project" house (worst thing I've ever done) and having the worlds worst trademen I went manic (I suffer with bipolar) and I took out numerous loans in a short period of time. 

On 10th August 2020 I wrote to myjar requesting that  they waive the charges, and stating that given there were so many applications it should not have been approved in the first place.  

Ultimately they stood by their rejection of my case. I tried to take it to the financial ombudsman but received this from them:-

I have recently received several letters from ACI which I will attach

Thank you for looking an hopefully you may have some advice

Debt is £535

Amina

******Response from the financial ombudsman*********

Thank you for contacting us about MYJAR Limited.

As you may know, MyJar went into administration on 22 December 2020.

Paul Boyle, David Clements and Tony Murphy of Harrisons Business Recovery and Insolvency (London) Limited were appointed as joint administrators (‘the joint administrators’) to wind down the business.

Unfortunately, when a business goes into administration we’re required to stop considering complaints against it.

It’s now for the joint administrators to decide whether people’s complaints about MyJar will be upheld and whether they will become a “creditor”. The joint administrators will also decide how much money any creditors will receive.

What does this mean for your complaint?

This means we can’t take your complaint about MyJar forward.

If you would like it to be looked into as part of the administration process, you’ll need to refer it to the joint administrators.

Once the joint administrators have been contacted, they will assess the complaint – and let you know whether it’s been upheld and whether you will become a creditor.

You can find out more about what’s happening, including how to submit a claim, at https://myjar.com/.

Because we won’t be looking into this complaint, we can’t answer questions about the next steps – but the joint administrators will be able to help.

I’m sorry that we aren’t able to look into your complaint.

 

20230-07-08 ACI Myjar debt threat-o-gram.pdf

[FTMDave]

Don't worry.  We see these "threatagrams" every day.

Read it carefully.  "If instructed".  "Would increase".  "If instructed" again. 

The letter is meant to scare you, while in reality ACI are doing absolutely nothing.

And ACI, like every debt collecting agency, will continue to do absolutely nothing for ever, because they have no powers.  It's not their debt.  The legal dispute is between you and Harrisons Business Recovery and Insolvency (London) Limited.  ACI can do nothing.

 

 

[dx100uk]

So the debt has since been sold on.

If you've moved ensure ACI has a letter from you informing them of your correct address 

If you've done that or don't need too ..sit on your hands till you ever get a letter of claim 

Are perch capital mentioned in any letters?

[Aminymoo]

Hi Dx,

Still at the same address no intention of moving ever again. No mention of perch capital ever.

 

May I ask what a letter of claim is please? x

[Nicky Boy]

Just click on "letter of claim" in your last post.

It is something they MUST send prior to issuing a court claim.

[whitelist]

Been looking into this for confirmation with Pre-Action Protocol

Understand a letter before action has to be sent by snail mail and give 30 days for the respondent to contact the creditor. Litigation cannot begin within the thirty days.

My question?

After the 30 days have expired, can the creditor issue a claim with no further contact, or do they still have to give a further 14 day's notice of intent to issue a claim form?

[dx100uk]

30 days

[fkofilee]

Arh - How cute... ACI with their usual Perch Verify trash... 

 

I know these guys well and should be hopefully quite easily to help. 

Do you still suffer from Bipolar disorder? Its a consideration when dealing with them as they do "Claim" to take mental health quite seriously. 

Perch Verify is a new company incorporated in 2023 which dont seem to have done much. They threatened me with this but backed down after a while as I told them the person would be told to leave and no entry would be admitted - No conversation would be had. 

 

My situation is slightly different to yours though. We can help defend a claim. On the totem pole of companies to deal with - TM Legal are just above BW Legal based upon some of the legal claim I have seen and they are the bottom of the literally barrel... Like really scraping low... 

Perch Group (Perch Capital) own ACI, TM Legal and Perch Verify... So let that sink in about how morally questionable that looks... 

[Aminymoo]

Yes still suffer with bipolar just had my meds upped recently. I've just  received another letter saying 

The next stages of recovery will include the instruction of one or both of the following:-

1 - TM Legal

2 - Verify a specialist and attend your home address. It does mention  perch verify.

I wanted to goto the the Financial ombudsman but because they had  gone bust the ombudsman wouldn't investigate.

 

 

Thank you all for your help so far too! 

 

threat-o-gram doorstepper time.pdf

[FTMDave]

It's just hot air from paper tigers.  Ignore.

[fkofilee]

Perch Verify is a new service setup this year, I havent seen a doorstopper yet, but they seem to be branching out. 

You still have time as it wont have gone to TM legal just yet. It was at this point that I forced them to shut down the account .

But its still do able to help. You can ignore for now. If you do get a doorstopper, just turn them away, they have no legal right to harass you

 

[Aminymoo]

Ahh thank you so much.

I changed my name a few years back and logged into my old email account they've been threatening it for about a year now and taken no action.

It will be Statute barred in December I think xx Payday loans and their charges the original sum was about £200 so over 300 added

[fkofilee]

They will be pushing the contact to reset the SB clock or take it legal. Perch are smart - lll give them that - They know when its about to expire. 

[Aminymoo]

The irony Is when I started getting physical letters from them I contacted them back with my resolver case file where MyJAR accepted my new name.

However because it's such a long document they haven't bothered to read through it which left us at am impasse.

So your advice is to wait? I'd be surprised if they went legal for such a small balance.

Thanks again.

 

[Aminymoo]

I've had my latest love letter from them plese see the attached...So i've checked through my notes and the loan was issued on 28/10/2023.

ACI new.pdf

 

[fkofilee]

In the future?  

Recheck the date? I also see they have gone the doorstopper route... This could get interesting... 

[Aminymoo]

Sorry it was 2017,

thing is I sent them details of my name change and they keep referring to me under my old name.

I even have a copy of an email with them confirming it.

if they ask for someone under my previous name I would be correct saying no one of that name lives here.

What are everyone's thoughts?

Also interestingly the balance they're chasing has gone from 512 to 128 pound?

The original default notice is below

 

Dated: 02/04/2018

This is a Default Notice served under section 87(1) of the Consumer Credit Act 1974 in respect of the Running Account Credit Agreement reference number  made on 28/10/2017 at 12:37 between:

• (1) MYJAR Limited, PO Box 6040, Westcliff-on-Sea, SS1 9TE ("the Company")

Under clause 1.14 of the Running Account Credit Agreement you have failed to pay the monthly instalment(s) which fell due on:

Date	Amount
17/01/2018	£303.47

As you have failed to make the repayment amount due on 17/01/2018 you are now in breach of the terms of the Running Account Credit Agreement.

As you have failed to make this payment you have incurred late payment charges and the total amount of arrears is as of today £303.47.

Action Required

You must now pay the total of the arrears £303.47 to the Company before 30/04/2018.

IF YOU PAY THE TOTAL AMOUNT OF THE ARREARS BEFORE 30/04/2018 NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.

IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE 30/04/2018, THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.

Further Action

The Company will serve notice in writing demanding payment of the outstanding balance. If nothing is received, the Company will bring proceedings against you for the outstanding balance.

In your own interests you are strongly urged to contact the Company by telephone on 020 3006 2000 quoting the above customer number if you cannot pay the arrears in full.

IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU MORE TIME.

You should be aware that if we take you to court and get a judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the judgment and interest under the agreement on all the sums owed by you at the date of the judgment until you have paid these in full. This means that even if you pay off the whole amount of the judgment, you may still have a further sum to pay.

IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE, YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS' ADVICE

[dx100uk]

8 minutes ago, Aminymoo said:

if they ask for someone under my previous name I would be correct saying no one of that name lives here

immaterial.

but if some dirty mac fleecer does show up. film them with your phone

do not engage

simply tell them to leave your property never to return else you'll call police 101

dx

 

[Aminymoo]

Thanks for everyone's responses I've just done some digging, this relates to a different debt this one with Ferratum....the joys of mania..

.This relates to a pay day loan from 17th December...From checking my old email...They've offered a 25% off settlement the amount is 128.36 without the discount

[fkofilee]

2 accounts with ACI? 

[dx100uk]

start a new topic please!

dx

 

[Aminymoo]

Yes two accounts different lenders. I assume the advice you've given would apply to both?

 

Happy to start a new topic though 

[Aminymoo]

Hi All,

As always im grateful for your advice

I have just received this should I be concerned? I note it says will if I don't action in 3 days however

it also says should?

The amount is 500 with myjar 

We are yet to agree on an appropriate repayment plan and have not been informed of any valid reason why this outstanding balance should not be repaid.

We need you to contact us within the next 3 days to either repay this balance in full, set up an affordable repayment plan, or inform us if your circumstances do not allow you to make a payment at this time. Failure to do so will result in the commencement of legal proceedings against you.

Should legal proceedings be issued and a County Court Judgment (CCJ) obtained, this will not only increase your balance but can also affect your chances of moving into a new home or changing jobs, as many employers now screen for CCJs and undertake credit checks.

Our client would prefer not to have to issue legal proceedings and would urge you to set up a repayment plan or contact us to discuss your circumstances if you are unable to pay at this time

You can take steps to avoid legal proceedings by setting up a Direct Debit online through the below Set up a Direct Debit button below:

 

[lolerz]

This an email or a letter?

If it's an email then ignore it until you get a Letter of Claim in the post then come back here.

[Aminymoo]

It's an email, thank you so much  They do seem to be stepping up their emailing it's every 3/4 days now.

Hope all is well with you