Put an End to Harassing Calls From ACI Debt Collectors Fast

Receiving harassing calls from debt collectors is one of the most stressful experiences a person can go through. Unfortunately, many people in the United Kingdom have had to deal with this type of harassment from Asset Collections and Investigations (ACI).

If you're a victim of harassing collection tactics from the ACI debt collector, there are steps you can take to put an end to their nuisance calls. In this article, we will describe what you can do legally to stop the calls and how DoNotPay can solve this problem for you quickly and easily.

Who Is ACI and Why Are They Calling Me?

ACI is a Blackpool-based firm that was established in 1999. They have a reputation of being an experienced company in the field of debt collections. Usually, they are calling because a creditor has given them your information in the attempt to collect an unpaid bill.

ACI can be reached by email, phone, or post as follows:

What Happens if I Ignore ACI's Calls?

Ignoring ACI's calls is not going to make the problem disappear. They will keep calling unless you either work with them to pay off your debt or report them for harassing you.

In fact, not doing anything can result in ACI increasing their attempt to contact you by visiting your home. They may also add additional penalty charges and interest to your outstanding debt. If you continue to ignore their calls, they can take a court judgement out against you to force you to pay the debt.

How Long Can ACI Try to Collect Debt From me?

Legally, ACI can keep attempting to collect your debt for six years. When the period has expired, it becomes a statute-barred debt that is unenforceable, per the Limitation Act of 1980.

Your Rights as a Consumer to Stop Nuisance Calls From ACI

You are granted specific rights against creditors who harass you. These are as follows:

• ACI cannot speak to anyone else about your debt unless granted permission by you.
• They cannot either verbally or physically harass you.
• They are not to pretend to have legal powers to use against you.
• They cannot confuse or mislead you with complicated letters or language.

How to Stop ACI From Calling You

The first step you should take is to investigate if the outstanding debt amount on ACI's records is accurate and up to date. To do this, you should reach out to them directly for this information. This can be done by sending them a letter to ask them to prove that the debt is actually yours. In response to this letter, ACI will need to prove evidence that ties you to the outstanding debt.

How to Stop ACI's Calls on Your Own

Until you have established the accuracy of the debt, there are actions you can take to stop ACI's nuisance phone calls.

1. Start by complaining directly to ACI about the phone calls.
2. If they refuse to end the calls, refer the situation to the Financial Ombudsman Service.
3. You can also reach out to the following agencies for assistance in dealing with ACI:

• Trading Standards
• Financial Conduct Authority (FCA)

4. If all else fails, you can take ACI to small claims court.

How DoNotPay Can Help You Stop ACI's Phone Calls

DoNotPay can investigate if ACI is compliant with debt collection laws by guiding you through a series of questions. They will then contact ACI on your behalf with a demand letter.

Here's how to get started:

1. Search "debt collection" on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the relevant trade association or ombudsman.

DoNotPay Can Also Help With the Following Lenders and Creditors

DoNotPay's debt collection product works across many other lenders and creditors, including the following companies:

• DWP Debt Management
• Moorcroft Debt Recovery
• Advantis Debt Collection
• Provident Loans
• Amigo Loans
• Marston Group Holdings
• Lowell Financial

What Else Can DoNotPay Do?

In addition to assisting you with debt collectors, DoNotPay can solve many other situations such as the following:

• Sue anyone in small claims court
• Get help with bills
• File a complaint against any company
• Cancel any service or subscription
• How to get cash back from gift cards
• Negotiate a hotel bill
• How to appeal a parking ticket in any city
• How to use burner phones to bypass phone verification
• File warranty claims to save money on repairs

With hundreds of thousands of cases solved, it's clear that DoNotPay is your best help in levelling the playing field. DoNotPay cuts the bureaucratic red tape, saving you time and money.