Who Is ACI-UK Ltd and What Does It Do?
ACI-UK Ltd, originally founded in 1999 as Asset Collections & Investigations Limited and rebranded in 2021, is a fully authorised and regulated debt resolution agency based in Blackpool, Lancashire.
The company specialises in ethical and compliant debt recovery across regulated sectors such as:
- Financial services
- Utilities and telecommunications
- Buy Now Pay Later (BNPL) providers
ACI’s mission is to help individuals regain financial stability through a customer-first approach. It offers flexible repayment plans, a fully digital service experience, and dedicated support for vulnerable customers, which has strengthened its reputation in the industry.
ACI-UK is part of the Perch Group, a collective of companies focused on supporting financially distressed individuals with innovative, technology-led solutions. Working alongside Perch Capital, which handles debt portfolio acquisitions, ACI delivers complete end-to-end recovery and litigation services.
With an ethos based on respect, transparency, and strict FCA compliance, ACI continues to grow as one of the UK’s most trusted debt resolution providers.
Who Are the Directors Behind ACI-UK Ltd?
ACI’s leadership team comprises seasoned professionals with decades of combined experience in debt resolution, compliance, and financial services.
The directors have been instrumental in repositioning the business since its relocation to Blackpool in 2018 and continue to steer the company through a growth-oriented digital strategy.
| Name | Role | Appointed On | Background Summary |
| Craig Andrew Hinchliffe | Director | 26 Jan 2018 | Key figure in the company’s transformation |
| Simon Peter Unsworth | Director | 26 Jan 2018 | Expertise in regulated collections and litigation |
| Andrew Bartle | Director | 01 Apr 2021 | Strategic operations and compliance oversight |
| Gary James Edwards | Director | 01 Apr 2021 | Extensive experience in financial services |
| Max Houghton | Director | 01 Apr 2021 | Tech-focused leadership within the group |
| Mark Samuel Pickup | Director | 24 Oct 2022 | Customer experience and support leader |
This capable and collaborative leadership team ensures ACI operates with professionalism, compassion, and technical efficiency across all its services.
What Is the Company’s Capital Structure and Annual Turnover?
ACI-UK Ltd is a private limited company (Company No. 03775287), incorporated on 21 May 1999. Its registered office is located at Unit 10, Whitehills Drive, Whitehills Business Park, Blackpool, Lancashire, FY4 5LW, England.
| Attribute | Details |
| Company Name | ACI-UK Ltd |
| Previous Name | Asset Collections & Investigations Ltd |
| Company Type | Private Limited Company |
| Company Status | Active |
| Incorporation Date | 21 May 1999 |
| SIC Code | 82911 – Activities of collection agencies |
| Registered Office | Unit 10 Whitehills Drive, Blackpool, FY4 5LW |
| FCA Registration | Authorised and Regulated by the Financial Conduct Authority |
| Financial Year-End | 31 March |
| Next Accounts Due | 31 December 2026 (for the year ending 31 March 2026) |
While ACI does not publicly disclose its financial turnover, the firm’s expansive operations, technological infrastructure, and integration within the Perch Group suggest a multi-million-pound annual revenue, supported by thousands of active customer cases and portfolio acquisitions.
What Services and Features Does ACI-UK Ltd Offer?
ACI-UK offers a comprehensive suite of debt resolution services, tailored to meet the needs of creditors and debtors alike.
The company focuses on compassionate recovery, making it easier for individuals to regain control of their finances while ensuring compliance for businesses.
Core Services
| Service Category | Description |
| Debt Collection | Recovery of outstanding debts across regulated sectors |
| Debt Purchase | Acquisition of consumer debt portfolios via sister company Perch Capital |
| Litigation Services | Legal recovery actions where necessary, handled professionally |
| Tracing Services | Location services for customers who have moved or are hard to reach |
| Customer Account Management | Self-service online portal for checking balances, making payments, and managing accounts |
Key Features
- Affordable Repayment Plans: Flexible Direct Debit or one-off card payments
- Customer Support: Highly rated support team, trained to deal with sensitive situations
- Digital First Strategy: Secure online portal for 24/7 access to account details
- Budget Calculator: Helps customers determine what they can reasonably afford
- Empathetic Engagement: Tailored support for vulnerable customers or those facing hardship
Awards and Recognition
- Credit Services Association Team Award (2021): For specialist support of vulnerable customers
- Silver Award from Investor in Customers (2022): Recognising high standards of customer service
These features make ACI-UK Ltd a standout choice for businesses seeking a reliable, ethical, and efficient collections partner and for customers looking for constructive debt solutions.
How Can You Get in Touch with ACI-UK Ltd?
ACI-UK Ltd offers several ways to contact their dedicated support team, depending on customer preference and urgency. Their Blackpool-based office is open Monday to Friday 8:00am – 8:00pm and Saturday 9:00am – 1:00pm.
| Contact Method | Details |
| General Phone | 01253 531528 |
| Email Enquiries | [YourReferenceNumber]@aciuk.uk |
| Postal Address | ACI, PO Box 123, Blyth, NE24 9ES |
| Website | www.aciuk.co.uk |
| Online Portal | Check balance, make payments, or set up a Direct Debit |
| FAQs Section | Extensive guidance on payments, balances, and communication |
Customers are encouraged to use the online budget calculator to determine affordable repayment options and to never ignore contact, as ACI is often able to assist in creating realistic plans to suit individual financial circumstances.
Where Can You Find ACI-UK Ltd on Social Media?
ACI-UK maintains an active digital presence and is part of the broader Perch Group, which engages with the public via its corporate channels. These platforms provide updates on services, community initiatives, and customer support resources.
| Platform | Link / Handle |
| ACI on LinkedIn | |
| Website Blog | News & Updates |
| Customer Portal | www.aciuk.co.uk |
While the company’s primary communication is through direct channels and its online portal, social media is used for corporate updates, career opportunities, and service announcements.
Why Work with ACI-UK Ltd?
ACI-UK Ltd represents a modern, regulated, and people-focused approach to debt collection. With a proven track record of helping individuals regain financial control and supporting creditors with compliant recovery strategies, ACI is setting new standards in the industry.
For individuals facing debt, ACI offers:
- Compassionate and respectful engagement
- Realistic repayment solutions
- Access to tools and advice to rebuild financial health
For businesses and creditors, ACI delivers:
- FCA-compliant recovery processes
- Digital account management
- Litigation and tracing services
- Portfolio acquisition via Perch Capital
Whether you are seeking to settle an outstanding balance or looking for a partner to manage your collections, ACI-UK Ltd provides a structured, effective, and ethical solution.
