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Originally posted by echat11
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No problem.I appreciate your time and I will Keep an eye out for it. I really appreciate your help. What I I should do now though if they keep contacting me I just don't know.
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There is a thread from SCS62 who you were helping and they had exactly the same documents sent to them and wondered if they were going to court but no update has been posted which is a shameComment
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Today I received this letter from ACI despite all the points I have made in this thread. Does anyone have any advice at all? The letter is as follows
Dear ******
Your account was previously put on hold, this hold period has now expired.
It is important that you contact us so that we can resolve your account amicably. Until you contact us, your account will remain open to further collection activity.
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I would let them carry on with their 'collection activities', letters, phone calls (just block them) etcOriginally posted by Robertson92 View PostToday I received this letter from ACI despite all the points I have made in this thread. Does anyone have any advice at all? The letter is as follows
Dear ******
Your account was previously put on hold, this hold period has now expired.
It is important that you contact us so that we can resolve your account amicably. Until you contact us, your account will remain open to further collection activity.
See if they believe they have enough docs to start legal action. Remember they have to send you a Letter Before Action, before starting a Court Claim.Comment
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Ok I will do. Thank you so much echat11Comment
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Sorry it me again. Now I am confused. Aci have sent me a copy of a default notice from themselves and not a copy of a default notice from MYJAR as I never received one from MYJAR. So my question is that if by sending me their own default notice is that an admission that my jar didn't send me one as as far as I am aware there cannot be 2 registered defaults for the same debt. And if MYJAR didn't send me a default notice then is that breach of regulations as far as selling the debt to ACI goes? I may be wrong.
The letter is worded as follows :-
ACI Customer Reference: *****
Balance Outstanding: £******
Dear *****
We enclose a Notice of Default which you should read carefully. Legally, we must send this to you and
ensure that the status of your account is correctly updated on your credit file
If you can't afford to clear the arrears that's ok, because we are happy to continue to accept your
payments from your debt management company, however a default will be registered at the credit
reference agencies.
Enclosed are our answers to the most frequently asked questions in relation to Notices of Default and
credit reference agencies.
Yours sincerely,
ACI
This is an important document please read carefully
Your running-account credit agreement with MWJAR Ltd (now owned by Perch Capital Limited and being managed by us, ACI)
dated ******* and numbered ******, (the "agreement")
This is a default notice served on vou under Section 87(1) of the Consumer Credit Act 1974.
Under the terms of the agreement, you were required to pay at least your minimum monthly payment by the date stated or
your statement. You have breached that requirement by failing to pay the minimum monthly payments due. You can remedy
your breach of the agreement by paying the arrears of £***** by **/07/2022.
If the action required by this notice is taken before the date shown, the action below will not be taken in respect of the breach.
f you do not take the action required by this notice before the date shown, then the further action set out below may be taken
against you.
This further action includes us
automatically ending the agreement and asking you to pay the outstanding balance due under the agreement;
reporting your non-payment to credit reference agencies (which may mean it is harder to get credit in the future); and
starting legal proceedings and asking the Court to give us a County Court judgment.
If vou are not sure what to do, you should get helip as soon as possible. The Government's Monevhelper can help you find free
debt advice and support, or you can contact the organisations listed in the Financial Conduct Authority's information sheet.
which is provided alongside this letter. This information sheet also contains important
information about your rights. lf it is not
included, you should contact us to get one.
if you have difficulty in paying any sum owed under this agreement, you can apply to the court for an order to give you more
time to pay any sum owed or take any other action required by this notice. The free advice services referred to in this notice
and in the Financial Conduct Authority's information sheet can help you explore this option.
We need to lst you know that if we took lsgal action against you and a court decided you must pay us the money owed under
the agreement, you may end up paying more than just the money owed under the agreement. this is because you will have to
pay the amount owed under the agreement plus interest from the date ofthe court decision, untilthe total amount is paid off
in full.
You can make payments to us in the following
ways:
Online - you can make a debit card payment and ser up a recurring payment arrangement securely via our
website www.aciuk.co.uk/payment
Telephone - you can make a debit card payment 24 hours a day 7 days a week using our automated payment line -Call
01253 531517 and press option 1
Bank payment - Make payment by bank transfer using your banking application or in a 'branch using Account Number:
****** and Sort Code: ******
For more information about us or how to pay, visit our website www.aciuk.co.uk. Please contact us as soon as possible by
calling us on 01253 531 250, by emailing us at @aciuk.uk or writing to us at ACI, PO Box 123, Blyth, NE24 9ES to discuss
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Myjar went out of business a while ago. As far as I know they ceased issuing loans before that.
I think an important question is was this a fixed term loan i.e. all to be repaid by a certain date or a revolving credit agreement , like a credit card but you borrow, pay back , borrow again.
When was the last time you actually made a payment to them?
Ive just looked at the FCA register and it seems that ACI can issue S87(1) Default Notices
I think I need to have a look at my old MyJar account- I thought it was long SB- just looked DN sent in 2015 so they can go away of they try to contact me.Comment
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It looks like they have sent an actual Default Notice, rather then a notice of "default sum in arrears". Unless you get the SAR info, you won't know if MYJAR sent you one.
Posted 8th October.
a) What they did send me was a notice of "default sum in arrears" which I am advised is not a copy of a default notice
What they have sent is not a 'default notice', it's what is sent before a default notice after two payments has been missed.
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Hi. I did get the sar and there is no default notice from MYJAR in it. The default notice is from ACI after they bought the debt but definitely no default notice from MYJAR and I didn't receive one.Comment
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O.K. see what they do next, unless you want to do any of the things they state in the Default Notice.Originally posted by Robertson92 View PostComment
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Will do. Thank you Echat11Comment
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Good afternoon, I hope someone help and can explain to me what ACI mean by the following email update they have sent me. Any advice is very much appreciated.The email from them is as follows :-
Dear ******
We have been trying to speak to you by phone, email, text, and letter about your outstanding MYJAR Ltd balance. We want to help you but you have chosen to ignore us.
We want to let you know that we will be reviewing your credit file to see if you are a homeowner and to see if you are currently employed. This may then change the way this debt is collected in the future.
It is important that you take action today to pay your outstanding balance.
You can set up a direct debit by clicking here.
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