www.perchcapital.co.uk Omdömen 

Here is my sad tale… I borrowed £100 back in 2019. I missed ONE payment, yes one payment due to some issues that were beyond my control. And they gave me a default without so much of a chance. Fast forward to 2024, my credit score and prospects of becoming a homeowner hang in the balance because of a default over £100. I did pay the money eventually however this company is quick to ruin your life over something as small as £100 and ONE missed payment.

I’ve been getting letters from perch capital for unknown loan of £8005 which I haven’t taken any loan, also it’s disgusting, how can I get loan when my credit score is poor, it’s a scam

Everyone be aware by this kind of fraudulent letters which is worst and stressful, this debt agency are not professional and organised.

I have been bullied by this company for a year now been paying 5 pounds per month since October 2023 I’m paying there horrible legal company tm legal services took me to court no mention of my last month payments to court saying I’ve paid nothing this company’pray on people with no money and actually lie to the courts proof is going to the courts now to say I’ve been paying and I’ve reported to financial ombudsman for misconduct of court action they bought a debt for pennies now my debt has risen from 1400 to 2200 disgusting company I bet if in the old days this company would send the heavy mob round see what financial ombudsman has to say about there misconduct I’ve got every email from there solicitor threatening me and they are getting forward to the court

Perch Capital are a joke I was in a DRO which they were included in yet the debt remains open and unpaid on my credit report even though the DRO ended sometime ago I contacted them via their live chat and they requested a copy of the DRO which I've sent months ago since then I've heard nothing they haven't responded to 6 different emails I sent and their false entries remain on my credit report. I've contacted transunion and await their response.

They have responded and the information they requested was passed on for the second time they have not acknowledged this nor amended their false information on my credit report waste of time these people transunion will now be informed for the second time
They also requested a copy of the completed DRO their a financial company which should know you don't get one at the end of it! I have sent them the actual DRO for which clearly shows the date it started yet they don't respond DRO is for 1 year only they should know this yet they obviously not even check the insolvency register as I'm not even on it! These jokers have now requested I complete date of my DRO if they new anything a DRO is for 1 year only which ended 27/10/23 you don't get a letter outlining a date all they have to do is check the insolvency register which I'm now not on complete jokers they have now been provided with everything they asked for and still not removed thier entry which yet to log false information on somebody's credit report is illegal so I'm now taking this alot further

18/04/24

This company are a complete joke thier false and illegal markers remain on my credit report despite providing evidence that the were included in a DRO proving the DRO has ended yet they do absolutely nothing they have now been reported to transunion and I will have them remove the marker stay well away from this company at all costs! I would recommend that anyone who had issues with this company to contact transunion immediately they ignore repeated requests to remove false entries from you credit report so transunion are doing it for me

My advice would be if you have to deal with these people contact them wait 30 days as you will not get a reply then contact transunion who will remove repeated false entries on your credit report

VICTIM OF FRAUD and its cost me £2200 in legal fees so far!
Similar to previous reviews, this one is in relation to Perch Capital (TM, ACI) demanding repayments of a loan that I have never taken, they are fully aware that I’m a VICTIM OF FRAUD but still pursue the repayments of a dodgy loan that they have bought.

I am now preparing to go to court for the second time and my legals fees amount to £2200 so far, however, that figure goes not compare to the almighty strain that this ordeal has put on my wellbeing or the endless hours of emailing and phone calls… it is unbelievable what they are doing!

To make the wider audience aware of how Perch Capital and its’ sub companies operate, I’ve decided to write this review, the chronology is long but I’ll do my best to summarise:

I have received phone calls and texts from TM Legal and ACI (acting on behalf of Perch Capital) from 2021 demanding repayment of a loan. I assumed that the contact was an attempted scam and I told the Operator time and time again, “stop calling, I have never taken out a loan and don’t owe money”, they would then advise that I make the repayment in full which would enable them to look in to the issue. This response further supported my belief of a scam and that no loan actually existed.

In October 2022, I was dealing with a mortgage advisor who, to my shock, identified poor credit on my credit file. When I investigated it, I discovered that the poor credit was in relation to the loan that I had received calls and texts about. It was at this point that I realised that a loan existed and understood that it had been fraudulently taken out in my name. Straight away I contacted TM Legal and ACI explaining that situation and making them aware of the misunderstanding. I was forced to fight through another round of repayment demands before the issue was acknowledged. I was advised to leave it with them and they gave me assurance that it would be resolved in no time. I continually requested updates with little to no response until a few weeks later when I received a Charging Order on my property, my home! I contacted TM Legal and ACI again and again to try to make some sense of the situation, I now realise this was a poor decision because all that they were doing was paying me lip service whilst the Charging Order was being processed. They never had any intention of investigating the fraud.

I took a number of actions in an attempt to bring resolution, including:

- Logging the issued with Action Fraud and then providing the reference number to TM Legal and ACI.
- I disputed the debt with TransUnion who agreed and removed the poor credit from my file, this was also shared with TM Legal and ACI.
- I even contacted the Company that they purchased the debt from, who provided details such as the bank account number that the loan was paid in to, I shared these details with TM Legal and ACI along with a statement that the bank account did not belong to me.

I believed that all this information, combined, would be sufficient, but it was barely acknowledged.

According to their Case Managers they have no access to this kind of information or contact with the Company that they bought the loan from to investigate… how convenient. How else can you prove that you have not taken out a loan?!

One Operator even told me that they cannot investigate my claim of fraud because, and I quote “that would be like playing a game of football and scoring an own goal” absolutely infuriating.

Their Managing Director showed little interest or sympathy when I personally appealed to him, his response was a meaningless copy and paste paragraph about fair culture can you believe!
Following on from the first court hearing in August, which was adjourned, I have now provided TM Legal, ACI, Perch Capital with an email from the Company that they bought the loan from which confirms the bank account details that the loan was paid in to and other information, this is supported by a letter from the Halifax (the account is a Halifax account) which states that I am in no way associated to that bank account AND STILL they pursue the Charging Order on my home!
It is so blatantly obvious that the loan has been taken using my email address and home address. I have continually requested that TM Legal, ACI, Perch Capital provide the ID associated with the loan but they ignore me because they can’t.

TM Legal, ACI, Perch Capital ARE 100% knowledgeable that this loan and the debt does not belong to me. As noted previously, it has now cost me £2200 in legal fees, this money belongs to me and my family. The next hearing is on November 20th.

Still to this day I’m being harassed from their call centre to make repayments. Additionally, if you are going to respond on Trust Pilot please share how my phone number was obtained.

Stop sending me correspondence I do not owe 99.14 to anyone I keep saying this it is making me Unwell

Similar situation to another poster..
A MyJar debt that was passed to perch Capital/ACI...which was included in my IVA..they state that the default date would be the start if the IVA..it isn't. Also down as a credit card and not updated on my credit files to say settled/satisfied when my IVA discharged.I emailed them but still awaiting a response..Next step is CRA and then ICO!

Abysmal!!

Bryan Franks.

This company have purchased an out of date log book loan of mine from myjar that's nearly five years old and should have been written off...
They have shown this debt on my credit file as a credit card debt, and the myjar loan is also visible, so the same debt is visible twice... I found the email of the ceo and had a customer service reply to say both issues would be resolved, but they haven't.. And their debt collection agency aren't organised or proficient. Worse than 1 star.

This company will most likely be using ACI-UK Limited "ACI" on its behalf.

Check also Perch Group or ACI-UK Limited, also FieldConnect Limited and TM Legal Services Limited – One Director appears in a lot of different company names - same clowns at the same address in different outfits.

If ACI-UK or ACI (previously known as Asset Collections & Investigations Ltd) acting on behalf of Perch Capital Limited that has purchased an alleged debt and "appointed" ACI-UK to contact you, mention to them: "As you are regulated by a Financial Conduct Authority licence, under CONC 13.1.6(8), you are obliged to confirm whether any alleged debt(s) is/are enforceable by your company or unenforceable".

If they say enforceable, they might send a copy of the original credit agreement, this of course will be terminated as they have bought any alleged debt(s). The Financial Conduct Authority prohibits Debt Collection Agency's from enforcing, or seeking to enforce a terminated credit agreement. All credit agreements become terminated upon Default or sale.

When they avoid answering, remind them again, and again, and again and if they fail to answer, this most likely will give the answer - unenforceable... you can politely request them to stop contacting you or you may litigate against them for harassment. Chances are they won't advise it's unenforceable as that will affect profits and their ability to claim.

If they try to escalate it to court, request in any defence that the Executed Deed of Assignment is provided and keep all requests and any emails from them, this will highlight the actual purchase amount on the Deed (eg. an alleged debt of £10,000 will have been purchased for around £600-1,000) and use their failure to comply with requests, and you can argue that it is unfair they are claiming X amount from you when they bought the alleged debt(s) for X amount, which will no doubt be quite a vast difference. Any judge may side with you for "unjust enrichment" and their failure to comply.

If you are being taken to court, advise in your defence as well: "The Claimant Perch Capital Limited is NOT authorised or regulated by the Financial Conduct Authority and has NO authority or permission in exercising or having the right to exercise the lenders rights and duties, pursuant to Section 26a (4) of Financial Services and Markets Act 2000 (as amended)."

ACI-UK Limited are NOT legal owners, they cannot "carry on regulated activities of a lender", as they did not directly contract with the lender from the outset. Once a debt is sold, the liability transfers from alleged Debtor to Debt Purchaser, plain and simple.

Stand your ground with this company, or any debt collection agencies. They have no legal right to attempt to harass you into extortion and blackmail.

This company has been unable to provide proof of claim or evidence clear legal title. They said they are waiting for the proof from the original creditor, which is ironic as they sent an email claiming Perch Capital Limited bought the full rights and obligations...so why refer back to the original creditor...you would have all documentation supplied to you upon sale if your company had full rights and obligations.

Don't let their threat letters worry you, remember the law is on your side and you just have to make sure you use it effectively and play them at their own game.