Perch Capital
Perch Capital is part of
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Perch Group

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Welcome to Perch Capital

We take a different approach to debt resolution.

Perch Capital is a specialist company that purchases portfolios.

We’re here to help you resolve your account, responsibly.


Why has Perch Capital purchased my account?

When creditors are unable to collect an outstanding balance, many will often decide to sell the account to a company like Perch Capital (part of Perch Group) which specialises in debt resolution. This enables lenders to focus on lending and allows companies like Perch Capital to specialise on supporting its customers to resolve their accounts.

If your account has been sold to Perch Capital, you will have received a welcome letter. This is typically sent by a company called ‘ACI-UK’ on behalf of Perch Capital in the first instance. The welcome letter is formally called a Notice of Assignment and this will confirm Perch Capital’s ownership of your account together with a Fair Processing Notice explaining how your personal data will be processed. Your previous lender should also be in touch with you to confirm your account has been sold.


If I now owe money to Perch Capital, why am I being contacted by ACI (or another company acting on their behalf)?

Perch Capital works with a number of specialist and regulated third parties which manage customer accounts on its behalf. This is normally a group company but may also include specially selected third party companies to provide the best experience and outcomes for our customers. Most of our customers will be initially managed by ACI.


Who is ACI?

ACI is a debt resolution company that is authorised and regulated by the Financial Conduct Authority (FCA). It is a part of the Perch group. They will work with you to resolve your outstanding balance and may ask about your current financial circumstances to ensure they provide you with the most suitable method of repayment or assistance. Please engage with ACI so they can help and support you. Click here to learn more about ACI.


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What do I need to do?

Your welcome letter should provide you with clear next steps, but if you are confused please contact ACI or the appointed partner servicer for more information.


How will I be treated?

Our clients only sell debts to us on the basis that we will ensure we continue to provide great service to their customers and achieve great customer outcomes. We will treat you with dignity, respect, confidentiality and transparency.


We’re here to help

We understand that people can fall into financial difficulty and that nothing is ever as simple as it seems, but we can only help if you engage with us. As a responsible debt purchaser we and our partner service providers will only ever ask you to repay what you can afford. Please do not ignore correspondence you receive about your account as this could result in the escalation of your account which could result in a County Court Judgment (CCJ) being obtained.

We have a professional team of case managers that want to support you moving forward. Read the recent feedback from some of our customers.



I just wanted to write to say thank you to all at ACI. I am going through the roughest time of my life and you have all treated me with understanding, care and compassion. A special thanks to your Case Manager, he is an excellent representative for your company. Many thanks.


I would just like to email in and say what a pleasure it was having you deal with my case. My case manager was very understanding and even though I got upset on the phone over my circumstances right now he really did his best to make me feel better about myself, and even my…


I just wanted to say my husband has received your lovely reply to his outstanding bill. Sadly Dean doesn’t have much emotion at the moment but your lovely letter reduced me to tears. So just wanted to say thank you very much for your goodwill and kind words it’s been a…


Company have been absolute stars I have deep depression after losing 2 of my daughters aged 18 and 25 always treated me with compassion and they wrote off the debt bless them truly grateful!


I can express nothing but a huge gratitude to the Customer Care Team at ACI. They are compassionate, courteous, and professional and they have restored my faith in humanity. I am truly humbled by their gesture of goodwill.


Who is TM Legal?

TM Legal is a firm of solicitors regulated by the Solicitors Regulatory Authority (SRA). It is a part of the Perch group. We or ACI may instruct them to start litigation activities. This is generally when we (via ACI or one of our specially selected third party companies who act on our behalf) have been unable to successfully engage with a customer to resolve their account. Our preference is to always try and work with customers outside of a legal process and even when TM Legal have been instructed on an account it is never too late to engage and agree a way forward to resolve the situation. Click here to learn more about TM Legal.


Get in touch



Frequently Asked Questions

Although you may not have borrowed or received credit directly from Perch Capital, your previous credit provider has now sold your account to us. This means that the outstanding balance on your account is now legally owed to Perch Capital. The assignment of the debt is legally binding and enables Perch Capital to recover amounts owed through the courts if required.

Your welcome letter (Notice of Assignment) should provide full details of the transfer together with the contact details of the agency now managing your accounts ands appropriate next steps. Please call or email them if you require any help support.

Perch Capital does not charge interest or fees on defaulted accounts unless determined by a court or as part of other contractual obligations.

Please contact the supplier managing your account in the first instance ( They will be able to investigate accordingly and correct any errors that may have occurred. Please note that they may require some information from you in order to update the account.

As the new legal owner of your account Perch Capital is now responsible for reporting the status of your account to the CRAs (Equifax, Experian, TransUnion).

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