Clear Recoveries
Clear Recoveries

Asset Collections & Investigations

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Managing My Account

Yes. The standard terms and conditions that accompany all Sunny loans, which you originally signed up to, allow ECIL to transfer customer loans to a purchaser without prior consent from the customer. Within the sale process you should have received an email from Sunny as well as an email from ACI.

Where a loan is not under concessionary forbearance or has not been defaulted, ACI will generally continue to charge interest in line with the original terms of your agreement.

Where an account has already been defaulted, interest will have already been stopped. If ACI default an account in the future, they will cease charging interest at that point.

During the administration of Sunny, all accounts were assessed to see if they were due an affordability related redress entitlement. All Sunny accounts that are now owned by Perch and being managed by ACI have been assessed through this process and if eligible an adjustment of interest has been applied to your account balance as part of the sale to Perch. This has resulted in a significant balance reduction for many customers.

If you are currently in a formal insolvency process and have previously notified Sunny of your situation then we should have the name of your Insolvency Practitioner (IP). We will be contacting all relevant IP over the coming days to notify them of the assignment and no action is required from you at the current time. Please continue to work with your IP firm and make payments in the usual way.

If you are currently in a DMP and have previously notified Sunny of your Debt Management Company (DMC) then we should have the name of your DMC already.

To avoid any payment discrepancies it would be beneficial for you to contact your DMC to tell them your loan has been as assigned from Sunny to Perch and that ACI is now servicing the account on behalf of Perch. You should provide your DMC with the new ACI Customer reference number provided on the Notice of Assignment.

Please note, we already have existing relationships with most DMC’s, and we will also be contacting them over the coming days to notify them of the assignment. Please continue to work with your DMC and make payments in the usual way.

General Questions

No. Perch has only purchased a population of Sunny loans. Any brands or digital assets relating to Sunny remain the property of Elevate Credit Internal Limited (ECIL).

Yes. Although Sunny has gone into administration, Perch are now the legal owners of the loan and are therefore entitled to collect on the outstanding balance including any future interest due.

ACI will however, honour active paying arrangements set up with Sunny.

ACI is a specialist company that manage financial service accounts on behalf of lenders and debt purchasers, on this occasion, on behalf of Perch. They aim to provide excellent service to all their customers and to help and support those experiencing personal and / or financial difficulties. For more information please visit their website

ACI are authorised and regulated by the Financial Conduct Authority for Consumer Credit-related activity (FRN 708400) and is registered with the Information Commissioner’s Office for data protection (registration number ZA116228).

Perch Capital Limited (Perch) are a specialist debt purchaser who buy loans from a range of lenders. You can find out more about Perch Capital at

Once purchased, Perch appoint the appropriate company to manage the loans on their behalf who, in this case is ACI.

Payment Options

If you are struggling to keep up with your repayments, please contact ACI on 01253 531436, they have a team of friendly agents ready to help.

If you are experiencing financial difficulties, you may wish to speak to one of the following organizations who can provide free and impartial debt advice:

Citizens Advice
Tel: 03454 04 05 06
Step Change
Tel: 0800 138 1111

If you’re experiencing a change in financial circumstances due to coronavirus (Covid-19), you can find out what you can do to help yourself get back on track by visiting the Financial Conduct Authority webpage Dealing with financial difficulties during the coronavirus pandemic

Category: Payment Options

If Sunny has recently agreed to provide you with short term breathing space or forbearance concessions, such as reduced payments due to the current pandemic, ACI will continue to honour what was agreed until the period agreed ends. Prior to the end of this period ACI will try to get in contact with you to discuss your current circumstances and how best to move forward.

Category: Payment Options

We have been provided with details of all overpayments and ACI will pause repayments accordingly or continue to collect the lower / agreed payment arrangement. Should the account fall into arrears in the future, they will contact you to discuss your personal and financial situation with a view to agreeing an amicable way forward.

Category: Payment Options

Maintaining Your Arrangement

If you were paying Sunny by cheque, postal order, or ad hoc card payments, please contact ACI on 01253 531436 to discuss setting up an arrangement with our team (calls are charged at local rate but may vary from a mobile).

If you are already paying Sunny by standing order, please contact your bank to cancel the arrangement and set up a new arrangement with your bank using the following ACI bank details.

Bank Name: NatWest
Account Name: Asset Collections and Investigations.
Account Number: 48848042
Sort Code: 60-00-01
Reference: It is really important that you use your ACI Customer Reference that is provided within the Notice of Assignment.

If you have an active CPA in place you do not need to do anything. ACI has managed to transfer this over in a way that doesn’t require you to do anything in order to continue to repay your loan(s) as before. They have done this to prevent any disruption to your repayment routine and to minimise any potential inconvenience to you. There will be no significant variation to your existing CPA terms and conditions. For more information about this please see the payment section on the ACI website or contact them for further details.


Please note, there may be a slight delay with the payments being taken if your due date is close to the assignment date, however, this will return to normal for your next payment and all future payments.


Also, please be aware the payment description on your bank statement will change from Sunny to ‘Asset Collections’ moving forwards.

How To Contact ACI?

Telephone: 01253 531436 (calls are charged at the local rate but may vary from a mobile)
Post: ACI, PO BOX 123, Blyth, NE24 9ES

Our opening hours are Monday to Friday 8:30am – 5.30 pm.

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