Thanks for the reply. I will get the reply form filled in and sent within the 30 days. Yes SAR previous to this.
Original account was loan, with RateSetter (Metro Bank plc). 2018
Defaulted 2022 after paying token payments for 6 months. Not paid anything for approx 18 months.
DCA called ACR Europe chased me with letters, emails calls for 2 months. Ignored, no contact.
Debt sold to Perch Capital January this year and ACI took overl Regular letters, emails and calls from these, and then TM legal , who have sent the letter of claim. No contact from me at all and no payments.