They shouldnt be able too But We can still help you defend a claim anyway - Itll take months before it gets anywhere

Let's see...

You are entitled to peace and to dictate your only and preferred contact method

Please call them and ask them to remove your number and put correspondence in writing only. Thats all you call to discuss. You deserve peace!

Hi Loop - What correspondence have you had so far please?

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.

It grits my teeth saying this, but contact them and ask for a further 30 day hold due to medical issues. /assets/static/govuk-opengraph-image-dade2dad5775023b0568381c4c074b86318194edb36d3d68df721eea7deeac4b.png Debt Respite Scheme (Breathing Space) guidance for creditors - GOV.UK WWW.GOV.UK They are required too and I think given the stress they are puttin you under right now, you need more time to formulate a plan. If they decline, then I have one other option but do it. Stay in control of the conversation and keep it on track to discuss breathing space only. dont discuss I&E or anything else.

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

I havent forgotten you good sir... Please bear with. Illness, work and PC issues have plagued me the last couple of days.

Myjar's lending criteria was somewhat questionable as you could probably tell. Payday Loans / Installment Loans have always been a Sub Prime lending product and somewhat loose acceptance criteria,

The Notice of Sums In Arrears or NOSIA is a legal document needed - Its a difficult one this one. On one side you have the mental health and lifestyle issues which by forcing you to go through legal action could make it worse, but you also have the mistakes made with the NOSIA and the balance etc which wouldnt stand up in court i expect, but if you complain and correct these matters, you are giving them ammo to correct their mistakes and lead to a watertight case. Question is - Do you owe the money? We dont condone debt avoidance, but I want to assist as best I can to stick it to these muppets. .

No worries, so they did send a letter yo u via the postal service? Did they include the below in the letter?

Agree with @dx100uk - you deserve peace, not being harassed by these guys.

It wont be registered with a CRA anymore as it will have expired 6 years after the default date etc Follow the advice here and Im sure they will back off.

Thanks for confirming @SandN - Sorry I didnt manage to see this update.