Training Example: ACI (part of Perch Group) – Review the Data, Give Your Score & Compare to the Real AI Evaluation

ACI is part ofthe perch group of companies
Navigate to another company

[H3] Perch Group
Parent CompanyFind out more
[H3] Perch Capital
Debt PurchaserFind out more
[H3] TM Legal
Debt recovery solicitorsFind out more
[H3] Verify
Reconnection specialistFind out more

[H3] Pay an amountyou can afford
Your repayment options

[H3] Moving forwardtogether
Have we contacted you?

[H3] A helping handwith debt
Go to help centre

[H4] What are your repayment options?
We have helped thousands of customers setup affordable repayment plans.

[H4] Have we tried to contact you today?
It may be regarding an outstanding debt. How to find out more information.

[H4] Check your balance
Log into your online account to check your outstanding balance.

Trustpilot

[H1] ACI is a specialist debt resolution agency
Our purpose is to help you resolve your debts by providing flexible and tailored repayment solutions that enable you to reach financial freedom.

[H3] Affordable repayment plans
Most of our paying customers repay an amount that they can comfortably afford each month and make hassle free recurring payments by Direct Debit or Debit Card.
Make a Payment

[IMG: Affordable repayment plans]

[H3] Finding financial freedom
Since 2018 we have helped thousands of customers repay their debts and improve their credit scores.
About Us

[IMG: Finding financial freedom]

[H3] Breathing space
We can provide our customers with the help and support they need to deal with life’s challenges and get back on their feet.
Help Centre

[IMG: Breathing space]

ACI is part ofthe perch group of companies
Navigate to another company

[H3] Perch Group
Parent CompanyFind out more
[H3] Perch Capital
Debt PurchaserFind out more
[H3] TM Legal
Debt recovery solicitorsFind out more
[H3] Verify
Reconnection specialistFind out more

[H3] Set up a Direct Debit
Direct Debit is an easy way to keep up to date with monthly payments.

[H3] Pay in full
Clear your debt today. You can use Applepay, Googlepay or pay by card.

[H3] Complete our Budget Calculator form
Understand how much you can afford to pay.

[H3] Common Questions

[H3] I can’t make any repayments – what are my options?
No matter what your financial situation is, we want to help. Our team are committed to working with to you to agree the appropriate next step based on your current personal situation. The best way for you to do this is to contact us on 01253 531 528.We understand that life is complicated and we will only ask you to repay what you can afford. This typically involves reviewing your incomings and outgoings to understand how much you may be able to pay off your account each month.You may find our Help and Tips page helpful to find Free Money Advice that can further support you.
[H3] What are ACIs bank details?
Our details to make a payment via the bank/standing order are:Account Number: 48848042Sort Code: 60-00-01Please ensure you quote your ACI reference number when you make a payment.
[H3] What is ACIs IBAN Number (International Bank Account Number)?
GB91NWBK60000148848042
[H3] How do I make a payment using your online portal?
Our online portal is a simple way to set up an affordable repayment plan or make a one-off payment. You can also complete an Income and Expenditure form which allows us to assess your affordability and view your account details. Please use the following link: https://portal.aciuk.uk/loginTo log in, you will need your customer reference number, date of birth, post code and customer pin number. You will find your reference and pin on all correspondence.
[H3] Can I make one off payments?
Yes, you can make one off payments towards your account which will reduce the amount you owe.  However we would like to agree a more formal long term repayment plan based on your affordability – this option allows automatic repayments to be made towards your account on or around your pay day. If you have any questions about setting up a repayment plan, please contact us on 01253 531 528 and one of our Customer Care Agents will guide you through the process and come to a solution that works for you.
[H3] Can I track my balance and the payments I have made to my account?
Yes, you can track payments using our online portal – this allows you to see all payments that have been made towards your account and provides you with balance updates. If you would like more information regarding your balance or payments which have been made, please call us on 01253 531 528 and we will be happy to assist you.

ACI is part ofthe perch group of companies
Navigate to another company

[H3] Perch Group
Parent CompanyFind out more
[H3] Perch Capital
Debt PurchaserFind out more
[H3] TM Legal
Debt recovery solicitorsFind out more
[H3] Verify
Reconnection specialistFind out more

[H3] Payments & Account Management

[H3] What payment methods do you accept?
We are pleased to support with a variety of payment options, either for a one-off, additional payment or as part of an ongoing payment arrangement:Most of our customers choose to pay via Direct Debit as they are quick and easy to set up and means you don’t need to remember to make your payment every month – it will be debited automatically.Direct DebitPlease set up your Direct Debit by clicking here.One-off Card Paymenthttps://portal.aciuk.uk/quick-paymentRecurring Debit Card PaymentClick here to log inBank/Standing OrderAccount Number: 48848042Sort Code 60-00-01(Ensure you quote your ACI reference number please)Telephone Payment01253 531528Paying from overseasPlease use our IBAN GB91NWBK60000148848042 ensuring you quote your ACI reference number
[H3] I cannot afford to make any repayments – what are my options?
No matter what your financial situation is, we want to help. Our team are committed to working with to you to agree the appropriate next step based on your current personal situation. The best way for you to do this is to contact us on 01253 531 528.We understand that life is complicated and we will only ask you to repay what you can afford. This typically involves reviewing your incomings and outgoings to understand how much you may be able to pay off your account each month.You may find our “Help and Tips” page helpful to find Free Money Advice that can further support you.
[H3] Do I have to set up a payment plan or can I just make one-off payments?
We would encourage you to set up a payment plan. In our experience once customers have talked to us and we fully understand their circumstances, we can put in place an affordable and conveniently timed payment plan which provides many of our customers the peace of mind that their debt is being repaid gradually in an affordable and sustainable way.Click here to make an offer of repaymentYou can also log in and submit an income and expenditure assessment via our online customer portal: https://portal.aciuk.uk/login To log in, you will need your customer reference number, date of birth and customer pin number. You will find your customer reference number and pin on all correspondence from us.
[H3] What happens if I miss a payment?
Life happens, we understand that occasionally you may have an unexpected bill or perhaps a lower wage one month – this happens to us as well! All we ask is that you please keep us updated so we can understand and agree with you the best way to move forward, this might be a smaller or missed payment to account for the income change, for example.If you miss a payment and do not contact us, we may try to contact you by phone, e-mail, and SMS until we are able to establish the reason for the arrears and work with you to get back on track.
[H3] What if I agree to a repayment amount and then something changes, or I am struggling to keep up with that payment?
We just ask that you keep us updated and contact us to discuss your circumstances. We will work with you to re-assess your affordability and come to an agreement to move forward.If you simply stop paying and do not stay connected with us, we may try to contact you by phone, e-mail, and SMS until we are able to establish the reason for the arrears and work with you to get back on track.
[H3] Can I make a one-off payment and settle this balance?
Yes you can. If you are interested in settling your account, please click here and submit your offer
[H3] What are ACIs bank details?
Our details to make a payment via the bank/standing order are:Account Number: 48848042Sort Code: 60-00-01Please ensure you quote your ACI Customer reference as the payment reference so that we can match the payment to your account when received.
[H3] What is ACIs IBAN Number (International Bank Account Number)?
GB91NWBK60000148848042
[H3] How do I make a payment using your online portal?
Our online portal is a simple way to set up an affordable repayment plan or make a one-off payment. You can also complete an Income and Expenditure form which allows us to assess your affordability and view your account details. Please use the following link: https://portal.aciuk.uk/loginTo log in, you will need your customer reference number, date of birth, post code and customer pin number. You will find your reference and pin on all correspondence.
[H3] Can I track my balance and the payments I have made to my account?
Yes, you can track payments using our online portal – this allows you to see all payments that have been made towards your account and provides you with balance updates. If you would like more information regarding your balance or payments which have been made, please call us on 01253 531 528 and we will be happy to assist you.
[H3] How do I login to my account?
To log in to our portal you need the following information:ACI Customer Reference NumberDate of BirthPin NumberIf you have not received or have lost your pin number, please call 01253 531 528 or email us using your ACI Reference number that can be found on all our correspondence, followed by “@aciuk.uk”.

[H3] General Questions

[H3] Who are ACI Regulated by?
We are authorised and regulated by the Financial Conduct Authority (“FCA”). Firm Reference No: 708400.ACI is also a member of the Credit Services Association (CSA) and we subscribe to their Code of Practice. If you believe we have breached this code at any point, you can contact them to log your concerns. A copy of the code, including details of how you may refer your complaint to the CSA, is available on their website www.csa-uk.com
[H3] What interest, fees and charges have been added to this account?
We do not add any additional charges or interest to your account other than anything that falls due as part of the terms of your credit agreement which is charged at the same rate as was previously charged by the original credit provider.
[H3] What if I think I should not have to deal with you and decide to ignore all communications?
We need to understand why you feel this way as the balance due will not disappear due to lack of response to our contact. We will continue with our attempts to contact you via e-mail, letter, telephone, and SMS.Prolonged lack of contact could lead to a decision to progress your balance to our legal partners for consideration of legal action.
[H3] Why are you contacting me, I have already paid some or all of this debt?
Please contact us so we can discuss. We need to understand this more so that we can investigate and review any relevant evidence of previous payments so that we can move your account forward.Our team can be contacted on 01253 531 528.
[H3] I have an unresolved dispute with the original creditor, will this still be resolved?
We would need to understand this more so that we can properly investigate so please get in touch. We may ask you to provide us with evidence so that we can move forward with this.Our team can be contacted on 01253 531 528.
[H3] I am with a Debt Management Company, why have you contacted me?
It may be that we are unaware you have contacted a Debt Management Company. We simply ask that you click here and tell us the details of your appointed Debt management Company. We will then communicate directly with them and you will not need to do anything further.
[H3] Why have you contacted me when the business I borrowed this money from has gone into administration?
Perch Capital (Perch) have purchased this debt from the original lender as part of the administration of the business and are now the legal owner of this outstanding balance. We have then been instructed to manage repayment of this balance on behalf of Perch.Perch only buy debts on the understandings that all balances remain outstanding.
[H3] Why do I have to answer identification questions when I speak to you over the phone?
Under data protection law we are required to have appropriate safeguards and controls in place to protect a person’s data, so until we can identify and verify a person as our customer or an authorised third-party, we will not discuss a customer’s account.
[H3] I have received a communication from you, but I am not the person you are trying to contact.
We have rigorous processes and control in place and routinely use reliable third-party data sources, such as credit reference agencies to provide us with high confidence communication information in order to try to engage with our customers and to minimise the risk of communicating with the wrong person.We would appreciate it if you could please give us a call or drop us an e-mail to let us know so we can investigate what went wrong and put it right. Our team can be contacted on 01253 531 528 or by email us using your ACI Reference number that can be found on all our correspondence, followed by “@aciuk.uk”.
[H3] Can I authorise someone else to speak on my behalf?
Absolutely. If you would like to authorise a third-party advisor or even a friend or relative to act on your behalf when discussing your account, please do contact us. All authorised parties will then be required to complete similar identity checks on subsequent calls. Additional security in the form of a password can be set up if preferred.
[H3] I am unwell; I just cannot deal with this at this time.
Sorry to hear that you are not well. We are committed to supporting you and to be sensitive to whatever you are going through. We do need to ask though that you contact us to provide a brief update so that we can stop communications as required, our team can be contacted on 01253 531 528 or simply reply to an e-mail we have sent you.
[H3] I have a complaint, what shall I do
We value all feedback and would ask that you contact us to bring this to our attention athttps://www.aciuk.co.uk/complaints
[H3] I want to raise a complaint about irresponsible lending however the creditor I borrowed this money from has now gone into administration – what do I do?
Before your account(s) was sold to Perch, the administrators of the original lender were responsible for ensuring your account(s) underwent a robust assessment process to establish if any money was irresponsibly lent.  If they determined that it had been irresponsibly lent, then either a balance reduction or a payment redress due to you will already have been applied to your account(s) or paid to you directly. Because of this, we believe the balance outstanding to be correct.  Any balance reduction or redress applied is final and as the original creditor in effect no longer exists the Financial Ombudsman Service (“FOS”) will no longer accept fresh complaints against them.If you do not agree with the balance, please do get in contact with us and we can discuss how best to move forward.
[H3] I spoke to your office today and want to let you know about my experience
We value all customer feedback and promise to use it to help us improve what we do moving forward.Please email us at feedback@aciuk.co.uk letting us know some more.
[H3] The question I want to ask is not answered here!
Please contact us on 01253 531 528.
[H3] I do not recognise this account
The original lender name and original account reference number should be included in all communications that we send to you. If after looking at our letter or email you still do not recognise the account, please get in contact with us to see how we can help.

[H3] Credit Report

[H3] Will my Credit File be affected?
Where appropriate, the legal owner of your account is required to report the accurate status of your account to the Credit Reference Agencies (CRAs). This is in line with the Principles of Reciprocity, which are a set of guidelines governing the sharing of personal credit performance and related data via the closed user groups at the CRAs.These guidelines have been designed to try to help lenders make responsible lending decisions and to reduce the risk of customers becoming over indebted and ending up in financial difficulties.
[H3] What is reported?
The existence of your account, your current balance, status (paid/due/settled) and default status.
[H3] What is default status?
The default status reported refers to when a relationship between a lender and a customer is considered to have broken down due to a breach of their agreement. This is due to several missed payments; typically, where overdue payments on an account increase to 3-6 months in arrears (missed contractual payments).A default stays on your credit file for six years from the original registration and remains for the full term regardless of whether a debt is repaid during the six-year period, however if paid, the status of the account may be viewed more favourably by other lenders.
[H3] What name appears on my credit file?
ACI is currently managing your account on behalf of a third party creditor. The legal owner of your account will, where appropriate, report the status of your account to the credit reference agencies and their name will appear on your credit file.
[H3] Will I get a new default on my credit file?
Reporting a default at the credit reference agencies (CRA’s) usually happens because of a breakdown in the relationship between the lender or owner of the account and the customer, typically due to several missed payments and a breach of the agreement. ACI has been appointed by the legal owner of the debt to support customers resolving their accounts. The legal owner is responsible for reporting the account to the credit reference agencies and a new default should not be recorded.
[H3] What happens when I make a payment?
Any payments made will be reflected on your credit file at the credit reference agencies (CRA’s) and this information can be viewed positively by other credit providers who may access your credit file as it indicates that your balance is decreasing.
[H3] What happens if I partially settle my account or pay in full?
If you make a partial settlement payment, your credit file will be updated to reflect that you have partially settled your account. If you make a full settlement payment or repay your account in full by instalments, then this is recorded as paid in full.A defaulted account that has been repaid in full or partially settled may be viewed more favourably by lenders when viewing your credit file to make a lending decision in comparison to a defaulted account with a balance outstanding.
[H3] How can I check my Credit File?
You can look at what is reported on your Credit File using the following links.https://www.creditkarma.co.ukhttps://www.transunion.co.uk/https://registration.my.equifax.co.ukhttps://www.experianidentityservice.co.uk

[H3] Data

[H3] How do you

ACI is part ofthe perch group of companies
Navigate to another company

[H3] Perch Group
Parent CompanyFind out more
[H3] Perch Capital
Debt PurchaserFind out more
[H3] TM Legal
Debt recovery solicitorsFind out more
[H3] Verify
Reconnection specialistFind out more

[H3] Have you tried our FAQs?
We have a comprehensive FAQs section to help with common questions.

[H3] By Telephone
For all enquiries telephone us on 01253 531528.

[H3] By Post
ACI, PO Box 123, Blyth, NE24 9ES

[H3] By Email
If you cannot find an answer online or need further help, you can email us using your ACI Reference number that can be found on all our correspondence, followed by “@aciuk.uk”

[H3] Notify us that a customer has passed away
We understand this is an incredibly difficult time, and we’re here to support you every step of the way. You can notify us here and we’ll do everything we can to make the process as simple and compassionate as possible.
[H3] Usual Office Open Hours
Monday to Friday 8:00am – 7:00pm
Saturday 9.00am – 1.00pm