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Sunny / Elevate / Perch Capital HELP

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  • Sunny / Elevate / Perch Capital HELP

    Hi,

    In 2018 I had a loan with Sunny Loans (owned by Elevate) they have since gone into administration due to miss selling.

    I completely forgot about this loan but now I am being chased by ACI debt collectors on behalf of Perch Capital, which bought the debt.

    The majority of the loans with Sunny were up held as miss sold. I strongly believe mine was also but never logged a claim in time. I do not want to pay this 800 debt and I do not feel I should as I could not afford the loan at the time.

    Who exactly do I log a miss selling and affordability complaint too? Is it too late now Sunny (Elevate) are insolvent? If I can log a complaint will collection activities be put on hold?

    I am stuck want to do. I can not afford to pay them anything per month but I need to stop them coming after me, they have threated to send a contact representative to my house even!

    Any help will be very appreciated!

    Thank you
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