Financial Services

We offer various payment methods to make managing your account easier. You can pay in full or set up a payment plan online via Direct Debit or Card. For other payment methods, contact us on xxxxxxxxx.

There are many benefits to paying off your debt, including peace of mind from taking control of your finances and the potential to improve your credit score. You can start your journey here.

Yes, you can set up a payment plan if you cannot pay the balance in full. You can view and set up a payment plan online by clicking here.

Once a payment plan is set, we will only contact you to update you on your account status and balance. If you pay the full balance and if we are currently reporting the account status to the credit bureau, we will update your credit file to show that the account has been paid in full.

Payment transactions are normally immediately reflected on your account, on some occasions, payments can take up to 24 hours to appear on your account and your account transaction history.

Please verify the reference number for the payment to your original provider and confirm if it matches the account in question. If it does, contact us, and we will investigate. But you can also set up a payment plan here.

The original creditor would have tried to contact you via letter, email, text, or phone.

If your contact details have changed you can update your information, set up a payment plan, or log on to our customer self-serve portal to set up a payment plan.

Yes, under your terms and conditions, your original creditor can sell the debt to a third party. Perch Group, authorised by the FCA, is now the legal owner of the debt. You can now set up a payment plan here.

If you think the balance is incorrect, we can investigate this for you, and if there is an error we can rectify this for you.

Contact us on xxxxxxx and we will be happy to help.

Fraud can occur without you realising it, and someone may take out credit in your name, leading to debt or defaults that can affect your credit score.

This is considered identity fraud. If you don’t recognise this debt, please contact us, and we will investigate. For more information or to report fraud, visit Action Fraud.

Yes, this debt can be reported to credit reference agencies if it remains unpaid, negatively impacting your credit score. You can also set up a payment plan here.

ACI UK is regulated by the Financial Conduct Authority (FCA) and adheres to the Credit Services Association’s code of conduct.

We understand that discussing debt can feel intimidating, but our case managers are trained to provide genuine support and are dedicated to finding the best solution for you.

Their goal is to offer tailored assistance and focus on understanding your situation and providing the right solution.

You can check us on Trustpilot and set up a payment plan here.

When you receive a call from ACI, we’ll always perform a security check using the information we have on file. We’ll only ask for basic details to confirm we’re speaking to the right person, such as:

• Your name
• Reference number (if available)
• Address
• Date of birth

After the security check, we’ll explain who we are, provide details about your account, and discuss how we can help you become debt-free.

If we’ve contacted you, it's important to respond. You may not have heard of Blockbuster, but we work on behalf of many lenders and credit purchasers. Our friendly agents are ready to explain why we’ve reached out.

We may contact you to:

• Discuss your account
• Collect a due payment
• Set up a payment plan
• Ensure your current plan is affordable
• Request updated information

If you're in a debt management plan, please ask your provider to contact us using the details in our letter.

After buying your account, the debt is owned by Perch Group. We can work with you to clear your debts and set up a payment plan based on your financial situation.

Our customers prefer to self-serve and manage their accounts on our customer portal here to set up a payment plan.

No, ACI and Perch do not add interest or charges. However, fees may apply if the account is referred to TM Legal. You can now set up a payment plan here.

We can set up a payment plan based on your financial situation. Alternatively, free debt advice is available from:

• StepChange: 0800 138 1111
• National Debtline: 0808 808 4000

Alternatively, you can contact us on xxxxxxxxxxx.

To avoid further escalation, we want to work with you to understand your situation and prevent legal action. If you don't contact us, we may instruct TM Legal, solicitors specialising in recovering outstanding balances through the County Court.

If proceedings are issued and a County Court Judgment (CCJ) is granted, your balance will increase due to added Court Fees and Solicitor's costs.

No, please contact us to discuss the many options available to you. Call us today at xxxxxx or visit us online here.