Debt Collection Baliffs - To ignore or to pay

Psychedelic Casual said:
ACI. The company they’re saying I took a loan out with are Myjar Ltd.

I emailed ACI back to say ‘I have never even heard of Myjar Ltd. never mind taken a loan out for £275 with them’.

The ACI email address seemed an odd one, it was something like 9211145673@aciuk.co.uk
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Payday loan company you wasn’t skint one day after a few and took one out was you ,they can only pay it into an account in your name so check with the bank see if the money went in
 
Psychedelic Casual said:
I have received an email from a company saying they are acting behalf of another company asking me to repay money for a loan I supposedly took out in 2017.

I have never heard of either of these companies and never took out the loan they are saying I did.

I’ve tried looking online but the only information and advice I can find is more related to dealing with companies pressuring people to take out a loan rather than my situation.

I have emailed them back saying that I never took out that loan and they haven’t got back to me. I find it strange that they emailed me rather than sent a letter.

I have an account with Clear Score and my credit score is excellent and on my account with them it shows I’ve never missed a payment on anything.

Is there anyone I should speak to about this? Or should I just ignore and block them? Any advice would be appreciated!
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I would ask them to prove the debt mate. If you go on Legal Beagles website there's a bunch of templates for this.

The onus is on them to prove you owe the funds.
 
Psychedelic Casual said:
ACI. The company they’re saying I took a loan out with are Myjar Ltd.

I emailed ACI back to say ‘I have never even heard of Myjar Ltd. never mind taken a loan out for £275 with them’.

The ACI email address seemed an odd one, it was something like 9211145673@aciuk.co.uk
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That’s looks almost certainly a scam email account. You are likely to be dealing with someone based in Lagos or Mumbai.

Myjar Ltd went into administration in 2020.

As I said earlier, even if you had a debt it would soon be unenforceable. So best to ignore and do nothing.

Don’t ever email anyone claiming that you have a debt, they need to evidence effective service. Email is not a valid method. Postal or court service delivered letters are.
 
Nethermoor said:
I would ask them to prove the debt mate. If you go on Legal Beagles website there's a bunch of templates for this.

The onus is on them to prove you owe the funds.
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Never communicate with companies when you are so close to the expiry of the relevant claim period (6 years) . You will start the clock again by sending them correspondence back.
 
Psychedelic Casual said:
ACI. The company they’re saying I took a loan out with are Myjar Ltd.

I emailed ACI back to say ‘I have never even heard of Myjar Ltd. never mind taken a loan out for £275 with them’.

The ACI email address seemed an odd one, it was something like 9211145673@aciuk.co.uk
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That’s never genuine.
 
m7mcfc said:
Why?
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Parks where he can't be seen by ANPR cameras, covers his plates so his number can't be read when he drives in to park illegally. If they have video evidence of him doing this every day, they could easily catch him at it and bring fine against him.
 
Mr Kobayashi said:
Never communicate with companies when you are so close to the expiry of the relevant claim period (6 years) . You will start the clock again by sending them correspondence back.
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I didn't see the date.

Yes they become statute barred after 6 years anyway so legally unenforceable.
 
denislawsbackheel said:
No.
Don’t respond at all.
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Annoyingly, I did email them back saying I had never heard of the company never mind taken a loan out with them nearly six years ago. I only did this because the online advice on the Citizens Advice website said to complain to the company in the first instance.

Yet to hear back to be fair. But I will ignore from now on.
 
Mr Kobayashi said:
Never communicate with companies when you are so close to the expiry of the relevant claim period (6 years) . You will start the clock again by sending them correspondence back.
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Incorrect- that’s only if you actually acknowledge the debt - which is the same as making a payment. Communication is not acknowledging a debt, unless you write anything regarding making a payment or not being able to make a payment etc
 
olly-1-mcfc said:
Incorrect- that’s only if you actually acknowledge the debt - which is the same as making a payment. Communication is not acknowledging a debt, unless you write anything regarding making a payment or not being able to make a payment etc.
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That may be true but but it is better to tell people to ignore it entirely when there is a risk they might unwittingly reawaken the claim by giving too much information away.

Asking for a balance of account or what it relates to is not an acknowledgement but lay people have a habit of going off script.
 
Psychedelic Casual said:
Nice one mate. If I receive any further emails I will contact that number.
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I would advise contacting them sooner rather than later. Fraudsters tend to act very quickly with details they know won't be challenged. Trust me, you might be be facing an avalanche of letters or E-mails coming your way.

Think of it like losing your credit or debit card. You would soon be on the phone to the bank.
 
There was / is a form you can send off giving them 28 days to come up with the agreement with your signature on it.

If they fail to do so within the 28 days they are prevented from chasing you any further or selling the debt on to another debt collector
 
Psychedelic Casual said:
I have received an email from a company saying they are acting behalf of another company asking me to repay money for a loan I supposedly took out in 2017.

I have never heard of either of these companies and never took out the loan they are saying I did.

I’ve tried looking online but the only information and advice I can find is more related to dealing with companies pressuring people to take out a loan rather than my situation.

I have emailed them back saying that I never took out that loan and they haven’t got back to me. I find it strange that they emailed me rather than sent a letter.

I have an account with Clear Score and my credit score is excellent and on my account with them it shows I’ve never missed a payment on anything.

Is there anyone I should speak to about this? Or should I just ignore and block them? Any advice would be appreciated!
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Ignore. And then, when you get another letter, ignore again. Don’t email , text, phone, write or correspond in any shape or form. IGNORE
 
Psychedelic Casual said:
I have received an email from a company saying they are acting behalf of another company asking me to repay money for a loan I supposedly took out in 2017.

I have never heard of either of these companies and never took out the loan they are saying I did.

I’ve tried looking online but the only information and advice I can find is more related to dealing with companies pressuring people to take out a loan rather than my situation.

I have emailed them back saying that I never took out that loan and they haven’t got back to me. I find it strange that they emailed me rather than sent a letter.

I have an account with Clear Score and my credit score is excellent and on my account with them it shows I’ve never missed a payment on anything.

Is there anyone I should speak to about this? Or should I just ignore and block them? Any advice would be appreciated!
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Hi mate,
I'm no expert in these matters, but I have been reliably informed that your best course of action is to to discretely photograph your neighbours wife, preferably whilst she is in a state of semi- undress, I'd suggest early evening if she's planning a night out, or, alternatively, later on if she's having a relaxing night in.
A preliminary chat can confirm potential plans, but be careful not to be too obvious.
I'll leave the detailed logistics to you.
Post them on here, and I'm sure we'd all be in a better position to advise you on this pressing issue.
 
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