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PERCH/ACI

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  • PERCH/ACI

    Good afternoon,
    I am feeling quite lost after receiving a response from the Financial Ombudsman stating that they cannot assist me with my complaint.

    I had a loan with Oakam, but they went into administration, which disabled their app and phone support. As a result, my account went into default. I made some payments to an account they provided, but then the account was transferred to Perch.

    Now, my credit report shows the default listed twice: once by Oakam and once by Perch. Perch is refusing to remove the default, and since Oakam no longer exists, I am unsure how to proceed.

    I would greatly appreciate any advice you can offer. Thank you.
    Tags: None

  • #2
    Hi PATK

    Welcome to LB

    It might be an idea to contact the ICO, your data on your credit file needs to be correct.
    Have two defaults for the same debt 'skews' your credit file. Listing of two defaults for
    one debt, shouldn't happen, but it does sometimes.

    https://ico.org.uk/

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