Tweet
Hi
I had 3 loans with Lending stream and now have received a county court claim form. I have received various letters notifying myself of potential action from Asset collections acting on behalf of perch capital limited, which I ignored (possibly not the wisest thing to do) believing they were bluffing.
I'll copy below one of the recent letters I received before I received the claim. I do feel they have followed the correct process with regards to notifying me of potential action as they did write to me on numerous occasions with timescales for me to respond and were clear of the next steps they intended to take if I failed to respond.
My concern is that it is based on 3 loans that I had taken over a 4 month period. I was struggling financially and found myself borrowing further, to make payments. I don't feel the acted responsibly by giving me 3 different loans over such a short period of time. Is this an argument that I could make, how would I go about it and what would be the chances of me succeeding and what would be the consequences if I failed? (would I still be given an opportunity to negotiate and arrange a payment plan).
Alternatively, would I be better to agree a settlement. If this is the case how would I go about this. I was going to write to request a copy of the agreement but I am not sure if this will be worthwhile and just delaying the inevitable dilemma of how to move forward.
I would be grateful for any support offered
I have copied parts of one of the letters they have sent me that include the details of the loans (i have removed reference numbers).
Please find enclosed statements for your Fixed-sum credit agreement(s) with GAIN Credit LLC (now Perch Capital Limited) dated 05/12/2017,04/04/2018,18/01/2018 with account number(s) 5140742,5338683,5210821 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (the “CCA”).
The following statements are included:
Any transactions after the statement period will be shown on your next statement.
Perch Capital are required to send regulatory notices and statements to you periodically as prescribed by the CCA.
If you are already in a payment arrangement with us, there is no further action required and we thank you for your commitment to repayment of this outstanding balance.
Please note, Perch Capital Limited has appointed Asset Collections and Investigations (“ACI”) to manage and service the outstanding debt(s) on its behalf. All future contact, queries, dealings, and payments in respect of the debt should be made to us, ACI, not Perch Capital. We have a team of friendly agents ready to help and are committed to treating everyone with courtesy, compassion and understanding to help you manage your financial situation.
How do I contact ACI?
Email: 606478@assetcollections.uk
Telephone: 01253 531 250 (calls charged at standard local rate, however calls made from mobiles may vary)
Post: ACI, PO BOX 1360, Blackpool, FY1 9ND
Our opening hours are Monday to Thursday 8:00am to 7:00pm and Friday 8:00am to 5:30pm.
How can I pay ACI?
There are many ways to pay. Choose the one most convenient for you:
- Online: By debit card on our secure Online Portal
- Telephone: By debit card using our 24-hour payment option
- Bank Payment: Bank transfer online or in branch
- Cheque or Postal Order: Sent to us in the post
For more information visit the website http://assetcollections.uk
Financial Difficulty
If you are experiencing financial difficulties, you may wish to speak to one of the following organisations who can provide free and impartial debt advice:
If you have any questions, please do not hesitate to contact us.
Yours sincerely,
Asset Collections & Investigations Limited
ANNUAL STATEMENTS FOR ACCOUNT 853262
Statement 1
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 05/12/2017 with account number 5140742 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 5th December 2017 to 4th December 2018.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £350.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1219.20%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £350.00.
The closing balance under the agreement at the end of the period covered by this statement is £301.28.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
Statement 2
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 05/12/2017 with account number 5140742 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 5th December 2018 to 31st August 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £350.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1219.20%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £301.28.
The closing balance under the agreement at the end of the period covered by this statement is £301.28.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
ANNUAL STATEMENTS FOR ACCOUNT
Statement 1
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 04/04/2018 with account number 5338683 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 4th April 2018 to 3rd April 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £150.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1250.10%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £150.00.
The closing balance under the agreement at the end of the period covered by this statement is £300.00.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
Statement 2
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 04/04/2018 with account number 5338683 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 4th April 2019 to 31st August 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £150.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1250.10%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £300.00.
The closing balance under the agreement at the end of the period covered by this statement is £300.00.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
ANNUAL STATEMENTS FOR ACCOUNT
Statement 1
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 18/01/2018 with account number 5210821 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 18th January 2018 to 17th January 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £310.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1340.30%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £310.00.
The closing balance under the agreement at the end of the period covered by this statement is £308.14.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
Statement 2
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 18/01/2018 with account number 5210821 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 18th January 2019 to 31st August 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £310.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1340.30%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £308.14.
The closing balance under the agreement at the end of the period covered by this statement is £308.14.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
I had 3 loans with Lending stream and now have received a county court claim form. I have received various letters notifying myself of potential action from Asset collections acting on behalf of perch capital limited, which I ignored (possibly not the wisest thing to do) believing they were bluffing.
I'll copy below one of the recent letters I received before I received the claim. I do feel they have followed the correct process with regards to notifying me of potential action as they did write to me on numerous occasions with timescales for me to respond and were clear of the next steps they intended to take if I failed to respond.
My concern is that it is based on 3 loans that I had taken over a 4 month period. I was struggling financially and found myself borrowing further, to make payments. I don't feel the acted responsibly by giving me 3 different loans over such a short period of time. Is this an argument that I could make, how would I go about it and what would be the chances of me succeeding and what would be the consequences if I failed? (would I still be given an opportunity to negotiate and arrange a payment plan).
Alternatively, would I be better to agree a settlement. If this is the case how would I go about this. I was going to write to request a copy of the agreement but I am not sure if this will be worthwhile and just delaying the inevitable dilemma of how to move forward.
I would be grateful for any support offered
I have copied parts of one of the letters they have sent me that include the details of the loans (i have removed reference numbers). Please find enclosed statements for your Fixed-sum credit agreement(s) with GAIN Credit LLC (now Perch Capital Limited) dated 05/12/2017,04/04/2018,18/01/2018 with account number(s) 5140742,5338683,5210821 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (the “CCA”).
The following statements are included:
| Account | Description | Current Balance | Number of Statements |
| 853262 | Loan | £301.28 | 2 |
| 853125 | Loan | £300.00 | 2 |
| 852918 | Loan | £308.14 | 2 |
Any transactions after the statement period will be shown on your next statement.
Perch Capital are required to send regulatory notices and statements to you periodically as prescribed by the CCA.
If you are already in a payment arrangement with us, there is no further action required and we thank you for your commitment to repayment of this outstanding balance.
Please note, Perch Capital Limited has appointed Asset Collections and Investigations (“ACI”) to manage and service the outstanding debt(s) on its behalf. All future contact, queries, dealings, and payments in respect of the debt should be made to us, ACI, not Perch Capital. We have a team of friendly agents ready to help and are committed to treating everyone with courtesy, compassion and understanding to help you manage your financial situation.
How do I contact ACI?
Email: 606478@assetcollections.uk
Telephone: 01253 531 250 (calls charged at standard local rate, however calls made from mobiles may vary)
Post: ACI, PO BOX 1360, Blackpool, FY1 9ND
Our opening hours are Monday to Thursday 8:00am to 7:00pm and Friday 8:00am to 5:30pm.
How can I pay ACI?
There are many ways to pay. Choose the one most convenient for you:
- Online: By debit card on our secure Online Portal
- Telephone: By debit card using our 24-hour payment option
- Bank Payment: Bank transfer online or in branch
- Cheque or Postal Order: Sent to us in the post
For more information visit the website http://assetcollections.uk
Financial Difficulty
If you are experiencing financial difficulties, you may wish to speak to one of the following organisations who can provide free and impartial debt advice:
| Citizens Advice | StepChange |
| England & Scotland – Tel: 03454 04 05 06 Wales – Tel: 03444 77 20 20 Northern Ireland – Tel: 0800 028 1881 |
Tel: 0800 138 1111 |
| Web: www.citizensadvice.org.uk | Web: www.stepchange.org |
If you have any questions, please do not hesitate to contact us.
Yours sincerely,
Asset Collections & Investigations Limited
ANNUAL STATEMENTS FOR ACCOUNT 853262
Statement 1
| Account Reference: | |
| Agreement Description | Fixed Sum Loan Agreement |
| Agreement Start Date | 5th December 2017 |
| Total Amount of Credit | £350.00 |
| Agreement Duration | Six Months |
| Statement Period | 5th December 2017 to 4th December 2018 |
| Start Balance (Capital Balance + Fees + Interest) | £350.00 |
| End Balance | £301.28 |
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 05/12/2017 with account number 5140742 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 5th December 2017 to 4th December 2018.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £350.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1219.20%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £350.00.
| Date | Description | Amount | Balance |
| 5th December 2017 | Funding of Loan | £350.00 | £350.00 |
| 31st December 2017 | Interest | £75.60 | £425.60 |
| 12th January 2018 | Payment | £-109.20 | £316.40 |
| 31st January 2018 | Interest | £86.80 | £403.20 |
| 12th February 2018 | Payment | £-70.00 | £333.20 |
| 12th February 2018 | Payment | £-86.80 | £246.40 |
| 28th February 2018 | Interest | £69.44 | £315.84 |
| 12th March 2018 | Payment | £-62.72 | £253.12 |
| 12th March 2018 | Payment | £-70.00 | £183.12 |
| 31st March 2018 | Interest | £58.80 | £241.92 |
| 13th April 2018 | Arrears Fee | £15.00 | £256.92 |
| 30th April 2018 | Interest | £44.36 | £301.28 |
| 4th December 2018 | Closing Balance | £0.00 | £301.28 |
The closing balance under the agreement at the end of the period covered by this statement is £301.28.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
Statement 2
| Account Reference: | |
| Agreement Description | Fixed Sum Loan Agreement |
| Agreement Start Date | 5th December 2017 |
| Total Amount of Credit | £350.00 |
| Agreement Duration | Six Months |
| Statement Period | 5th December 2018 to 31st August 2019 |
| Start Balance (Capital Balance + Fees + Interest) | £301.28 |
| End Balance | £301.28 |
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 05/12/2017 with account number 5140742 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 5th December 2018 to 31st August 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £350.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1219.20%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £301.28.
| Date | Description | Amount | Balance |
| 5th December 2018 | Opening Balance | £0.00 | £301.28 |
| 31st August 2019 | Closing Balance | £0.00 | £301.28 |
The closing balance under the agreement at the end of the period covered by this statement is £301.28.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
ANNUAL STATEMENTS FOR ACCOUNT
Statement 1
| Account Reference: | |
| Agreement Description | Fixed Sum Loan Agreement |
| Agreement Start Date | 4th April 2018 |
| Total Amount of Credit | £150.00 |
| Agreement Duration | Six Months |
| Statement Period | 4th April 2018 to 3rd April 2019 |
| Start Balance (Capital Balance + Fees + Interest) | £150.00 |
| End Balance | £300.00 |
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 04/04/2018 with account number 5338683 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 4th April 2018 to 3rd April 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £150.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1250.10%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £150.00.
| Date | Description | Amount | Balance |
| 4th April 2018 | Funding of Loan | £150.00 | £150.00 |
| 30th April 2018 | Interest | £32.40 | £182.40 |
| 9th May 2018 | Arrears Fee | £15.00 | £197.40 |
| 31st May 2018 | Interest | £37.20 | £234.60 |
| 30th June 2018 | Interest | £36.00 | £270.60 |
| 31st July 2018 | Interest | £29.40 | £300.00 |
| 3rd April 2019 | Closing Balance | £0.00 | £300.00 |
The closing balance under the agreement at the end of the period covered by this statement is £300.00.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
Statement 2
| Account Reference: | |
| Agreement Description | Fixed Sum Loan Agreement |
| Agreement Start Date | 4th April 2018 |
| Total Amount of Credit | £150.00 |
| Agreement Duration | Six Months |
| Statement Period | 4th April 2019 to 31st August 2019 |
| Start Balance (Capital Balance + Fees + Interest) | £300.00 |
| End Balance | £300.00 |
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 04/04/2018 with account number 5338683 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 4th April 2019 to 31st August 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £150.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1250.10%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £300.00.
| Date | Description | Amount | Balance |
| 4th April 2019 | Opening Balance | £0.00 | £300.00 |
| 31st August 2019 | Closing Balance | £0.00 | £300.00 |
The closing balance under the agreement at the end of the period covered by this statement is £300.00.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
ANNUAL STATEMENTS FOR ACCOUNT
Statement 1
| Account Reference: | |
| Agreement Description | Fixed Sum Loan Agreement |
| Agreement Start Date | 18th January 2018 |
| Total Amount of Credit | £310.00 |
| Agreement Duration | Six Months |
| Statement Period | 18th January 2018 to 17th January 2019 |
| Start Balance (Capital Balance + Fees + Interest) | £310.00 |
| End Balance | £308.14 |
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 18/01/2018 with account number 5210821 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 18th January 2018 to 17th January 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £310.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1340.30%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £310.00.
| Date | Description | Amount | Balance |
| 18th January 2018 | Funding of Loan | £310.00 | £310.00 |
| 31st January 2018 | Interest | £34.72 | £344.72 |
| 9th February 2018 | Payment | £-57.04 | £287.68 |
| 28th February 2018 | Interest | £69.44 | £357.12 |
| 9th March 2018 | Payment | £-62.00 | £295.12 |
| 9th March 2018 | Payment | £-69.44 | £225.68 |
| 31st March 2018 | Interest | £65.88 | £291.56 |
| 9th April 2018 | Payment | £-61.38 | £230.18 |
| 9th April 2018 | Payment | £-62.00 | £168.18 |
| 30th April 2018 | Interest | £48.90 | £217.08 |
| 10th May 2018 | Arrears Fee | £15.00 | £232.08 |
| 31st May 2018 | Interest | £45.88 | £277.96 |
| 30th June 2018 | Interest | £30.18 | £308.14 |
| 17th January 2019 | Closing Balance | £0.00 | £308.14 |
The closing balance under the agreement at the end of the period covered by this statement is £308.14.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
Statement 2
| Account Reference: | |
| Agreement Description | Fixed Sum Loan Agreement |
| Agreement Start Date | 18th January 2018 |
| Total Amount of Credit | £310.00 |
| Agreement Duration | Six Months |
| Statement Period | 18th January 2019 to 31st August 2019 |
| Start Balance (Capital Balance + Fees + Interest) | £308.14 |
| End Balance | £308.14 |
Your Fixed-sum Credit Agreement with GAIN Credit LLC (now owned by Perch Capital Limited and being managed by us, Asset Collections & Investigations Limited (“ACI”)) dated 18/01/2018 with account number 5210821 (the “agreement”) which is regulated by the Consumer Credit Act 1974 (“CCA”).
This statement covers the period from 18th January 2019 to 31st August 2019.
Please feel free to contact us should you wish to discuss your account or let us know if you’re in financial difficulties as we are keen to work together to try and find a solution for both of us. Your ACI reference number is 606478. You can contact us by calling us on 01253 531 250 writing to ACI, PO BOX 1360, Blackpool, FY1 9ND or by emailing 606478@assetcollections.uk. You can also see more information about us and make payments on our website https://assetcollections.uk.
The amount of your loan was £310.00. The duration of the agreement is Six Months. The annual interest rate under the agreement is 1340.30%. Please note, this rate applied at the outset and may be reflected in part or whole on this statement, however the current rate is zero as interest is no longer accruing on this balance. The opening balance under the agreement at the start of the period covered by this statement was £308.14.
| Date | Description | Amount | Balance |
| 18th January 2019 | Opening Balance | £0.00 | £308.14 |
| 31st August 2019 | Closing Balance | £0.00 | £308.14 |
The closing balance under the agreement at the end of the period covered by this statement is £308.14.
Settling your credit agreement early
You can settle this agreement in full at any time by giving us notice and paying off the amount you owe. If you wish to settle early you should contact us for a final settlement figure. You can also settle this agreement in part at any time by giving notice and paying off some of the amount you owe.
Dispute resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman.
Paying less than the agreed sum
If you pay less than your agreed payment in most cases it is likely to take you longer and may cost you more to pay off the debt under the agreement.
If you have difficulties making payments under your credit agreement, please contact us if you have not already done so to discuss terms for the rest of the agreement. You may also want to seek advice on what to do from an independent free advice agency such as the Citizens Advice Bureau.
If you have any questions, please do not hesitate to contact us.
Perch Capital Limited (Company Number: 11207867, telephone 01253 531 250) is registered in England and Wales with its registered office at Viscount Court, Sir Frank Whittle Way, Blackpool, Lancashire, United Kingdom, FY4 2FB and is the legal owner of the debt.
Comment