Myjar IRL complaint refused - now ACI chasing me.

[Aminymoo]

Good morning,

I hope that you can help me.  Back in 2017 after buying a "project" house (worst thing I've ever done) and having the worlds worst trademen I went manic (I suffer with bipolar) and I took out numerous loans in a short period of time. 

On 10th August 2020 I wrote to myjar requesting that  they waive the charges, and stating that given there were so many applications it should not have been approved in the first place.  

Ultimately they stood by their rejection of my case. I tried to take it to the financial ombudsman but received this from them:-

I have recently received several letters from ACI which I will attach

Thank you for looking an hopefully you may have some advice

Debt is £535

Amina

 

******Response from the financial ombudsman*********

Thank you for contacting us about MYJAR Limited.

As you may know, MyJar went into administration on
22 December 2020.
Paul Boyle, David Clements and Tony Murphy of Harrisons Business Recovery and Insolvency (London) Limited were appointed as joint administrators (‘the joint administrators’) to
wind down the business.

Unfortunately, when a business goes into administration we’re required to stop considering complaints against
it.

It’s now for the joint administrators to decide whether people’s complaints about
MyJar will be upheld and whether they will become a “creditor”. The joint administrators will also decide how much money any creditors will receive.

What does this mean for your complaint?

This means we can’t take your complaint about MyJar forward.

If you would like it to be looked into as part of the administration process, you’ll need to refer it to the joint administrators.

Once the joint administrators have been contacted, they will assess the complaint – and let you know whether it’s been upheld and whether you will become a creditor.

You can find out more about what’s happening, including how to submit a claim, at https://myjar.com/.

Because we won’t be looking into this complaint, we can’t answer questions about the next steps – but the joint administrators will be able to help.

I’m sorry that we aren’t able to look into your complaint.

 

Screenshot by Snip My at 10 Aug 2023 at 12:13:50.pdf

[FTMDave]

Don't worry.  We see these "threatagrams" every day.

Read it carefully.  "If instructed".  "Would increase".  "If instructed" again. 

The letter is meant to scare you, while in reality ACI are doing absolutely nothing.

And ACI, like every debt collecting agency, will continue to do absolutely nothing for ever, because they have no powers.  It's not their debt.  The legal dispute is between you and Harrisons Business Recovery and Insolvency (London) Limited.  ACI can do nothing.

 

 

[dx100uk]

So the debt has since been sold on.

If you've moved ensure ACI has a letter from you informing them of your correct address 

If you've done that or don't need too ..sit on your hands till you ever get a letter of claim 

Are perch capital mentioned in any letters?

[Aminymoo]

Hi Dx,

Still at the same address no intention of moving ever again. No mention of perch capital ever.

 

May I ask what a letter of claim is please? x

[Nicky Boy]

Just click on "letter of claim" in your last post.

It is something they MUST send prior to issuing a court claim.

[whitelist]

52 minutes ago, Nicky Boy said:

Just click on "letter of claim" in your last post.

It is something they MUST send prior to issuing a court claim.

 

Been looking into this for confirmation with Pre-Action Protocol

Understand a letter before action has to be sent by snail mail and give 30 days for the respondent to contact the creditor. Litigation cannot begin within the thirty days.

My question?

After the 30 days have expired, can the creditor issue a claim with no further contact, or do they still have to give a further 14 day's notice of intent to issue a claim form?

[dx100uk]

30 days

[fkofilee]

Arh - How cute... ACI with their usual Perch Verify trash... 

 

I know these guys well and should be hopefully quite easily to help. 

Do you still suffer from Bipolar disorder? Its a consideration when dealing with them as they do "Claim" to take mental health quite seriously. 

Perch Verify is a new company incorporated in 2023 which dont seem to have done much. They threatened me with this but backed down after a while as I told them the person would be told to leave and no entry would be admitted - No conversation would be had. 

 

My situation is slightly different to yours though. We can help defend a claim. On the totem pole of companies to deal with - TM Legal are just above BW Legal based upon some of the legal claim I have seen and they are the bottom of the literally barrel... Like really scraping low... 

Perch Group (Perch Capital) own ACI, TM Legal and Perch Verify... So let that sink in about how morally questionable that looks... 

[Aminymoo]

On 10/08/2023 at 18:21, fkofilee said:

Arh - How cute... ACI with their usual Perch Verify trash... 

 

I know these guys well and should be hopefully quite easily to help. 

Do you still suffer from Bipolar disorder? Its a consideration when dealing with them as they do "Claim" to take mental health quite seriously. 

Perch Verify is a new company incorporated in 2023 which dont seem to have done much. They threatened me with this but backed down after a while as I told them the person would be told to leave and no entry would be admitted - No conversation would be had. 

 

My situation is slightly different to yours though. We can help defend a claim. On the totem pole of companies to deal with - TM Legal are just above BW Legal based upon some of the legal claim I have seen and they are the bottom of the literally barrel... Like really scraping low... 

Perch Group (Perch Capital) own ACI, TM Legal and Perch Verify... So let that sink in about how morally questionable that looks... 

Yes still suffer with bipolar just had my meds upped recently. I've just  received another letter saying 

 

The next stages of recovery will include the instruction of one or both of the following:-

 

1 - TM Legal

2 - Verify a specialist and attend your home address. It does mention  perch verify.

I wanted to goto the the Financial ombudsman but because they had  gone bust the ombudsman wouldn't investigate.

Screenshot by Snip My at 29 Aug 2023 at 11:16:09.pdf

[Aminymoo]

Thank you all for your help so far too! 

 

[FTMDave]

It's just hot air from paper tigers.  Ignore.

[fkofilee]

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

 

[Aminymoo]

5 minutes ago, fkofilee said:

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

 

Ahh thank you so much. I changed my name a few years back and logged into my old email account they've been threatening it for about a year now and taken no action. It will be Statute barred in December I think xx Payday loans and their charges the original sum was about £200 so over 300 added

[fkofilee]

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. 

[Aminymoo]

The irony Is when I started getting physical letters from them I contacted them back with my resolver case file where MyJAR accepted my new name. However because it's such a long document they haven't bothered to read through it which left us at am impasse.

So your advice is to wait? I'd be surprised if they went legal for such a small balance.

Thanks again.