Thanks. Tomorrow (Monday) I will CCA Triton and Mint and see what happens. Re the three cards: One I am paying back to AIC monthly, and have not missed a payment, one I still have and it is live with my payments up to date, and the third is one I am referring to here. I don't think an offer of £200 monthly is unreasonable, and fully expect that this offer will eventually be accepted. However, it is interesting the the way they work. they are doing their damndest to get the cash in one payment, and I think when they fail they eventually fold because they couldn't go to court on the basis that I can't pay the whole debt at once. I have made a reasonable offer that I think any court would accept. Perhaps. Or perhaps not.

I, too was involved with AIC last year, and still am. I got into debt when my wife's teaching contract was not renewed due to school closures, so there was not even redundancy to settle the debts with. I also had income reductions, but the point is we got into debt with three credit cards. AIC took over one (Amex), and did the usual stuff everybody else experienced, ncluding continual phone calls to my workplace (several each day). I wrote a letter telling them I would communicated by letter only. I also CCAd them, and offered payment terms. After over a month I informed them that they had committed a criminal offence and they phoned me and laughed at me. However shortly after I received a letter accepting my payment offer which I have been meeting by Standing Order every month. I struggled to pay the debt on my Mint card and the direct debit that I was paying didn't even cover the interest and various penalty charges so my debt was increasing. I stopped ther direct debit to pay manually and every month I was charged a late payment fee and over-limit fee because I get paid 4 days after the required payment date. This was passed to Triton with whom I was making a payment agreement, and I then received a letter from AIC. Apparently the debt has been passed to them. I CCAd them on this one on 17th January, and they reponded by providing me with an alternative address from which to ask for the CCA - it is a CCA Services address in Southend On Sea. Can they do this? It is a different tack to their usual response (none at all), but I believe that they are obliged to supply the CCA themselves, not redirect me. I don't mind doing what they ask, but they have now threatened immediate legal action so I intend to press them for the CCA which I believe is my legal right. Am I correct, or must I contact the address they have provided. They have continually refused my £200/month offer for a £3,000 debt so I am not trying to avoid payment. I just can't afford the whole lot at once.

Thanks Rory. I have been unwell for a while and am just able to get back to the computer. The thread is finished now. AIC Glasgow accepted my offer of payment after I threatened to report them to the OFT and to take them to court for defaulting on my CCA request after 42 days (actually over 2 months). They agreed to accept my payment offer - great result! Thanks everybody involved in helping me over this! It just proves to me that you all give great advice, and if it is followed properly then you can get a result, irrespective of how aggressive and abusive the DCA is. Cheers.

Thanks to everybody for the great advice. I followed it all and AIC have finally agreed to my repayment proposals after I wrote to them threatening legal action and to report them to the OFT for CCA request default after the 42 days unless they accepted my offer. Great result! I was very worried and depressed but I followed all the advice given in this thread and it worked! Thanks guys - you are a great bunch. I will now keep an eye on the forum and do whetever I can to help anybody else in the same position as I was.

Thanks for that. I haven't heard anything since 20th May since I received the wrong court letter, and I requested the CCA 2 months ago. The debt is 4200 and I am prepared to pay £200 monthly but they seem not intertested. I don't know why they are being so stupid. Pete

Hello. I have a debt with Amex, that I am willing to pay in monthly payments, that has been passed to AIS who have informed me that unless I pay the full amount immediately their charges will be high amd that I wll have to pay them a lot more that the original debt, so the sooner I pay the better. I have a thread on this elsewhere in this forum, so I hope its OK me asking this here. Does that mean that they cannot add charges that are disproportionate to their costs, or that they cannot add charges at all? If the former what is 'disproportionate'. Also what legal costs can they charge me, and how do I get to find out what I have signed in any of the original paperwork? Would this be on the CCA, and if so what can I do when they refuse to accept that they have to send a copy to me on request, if indeed they are so obliged? What if they refuse, then produce it themselves in court? Regards, Peter

Hi. I have been an IF customer for about a year and have an overdraught allowance of £100 on my current account that seems normal for their customers. I unintentionally overspent and it went to £105 for one day. They sent me a letter telling me they are charging me £28 for going over the agreed limit. I know it's nothing like the charges detailed on this thread, but can I do anything about that? I am afraid to complain in case they close my account, but as soon as I realised I gone over (checking my balance at an ATM the day after it happened) I immediately paid cash to the nearest Halifax branch - it was over the limit for less than a full 24 hours, yet they still sent me a letter dated after I had funded the account. They did nothing - no bounced cheques, or returned direct debits, just sent me one letter after the account was back in credit (I made a deposit that also covered the agreed overdraught) and charged me £28. Are they not allowed only to charge the real costs to them? Regards, Peter

Hi Guys, This thread is getting interesting and I am glad that I started it since it raises some interesting questions. I also have some advice that I think I can give, having asked a few people online where we stand with companies such as AIS. I apologise for not replying to those of you who have been so kind as to give me so much good advice. I have done everything suggested other than record the calls because AIS stopped calling me on my mobile after I informed them that I was recording the calls. Here is where I am at now: AIS called me at work again when I was in a meeting, and when I informed them of the fact they continued to phone every 30 secs till I had to come of the meeting and speak to them I informed a Mr Brown that they were in breach of the law for not replying to my CCA request of 6th April and he laughed at me, telling me I was talking rubbish. I told him one again to contact me by post only. He called a colleague over and he also laughed at me when I mention the CCA letter. It has been confirmed by the Post Office that this letter was delivered. Two days later I received a letter from their solicitor, asking me to contact them. The number I was to call was the AIS number. I have until Wednesday to contact them to make full payment. They stated that they were taking the case to Wakefield County Court :o - I live in South Wales about four hours drive from Wakefield, though I cannot drive since I recently had a knee replacement. The interesting thing, however, is that they gave details of what they were taking me to court for. My debt is just over £4000 with Amex, but they stated a debt for just over £2000 with NatWest Card Services. I have a Natwest credit card that is in good order, and not the same card number as AIS quoted. I looks like they got the details wrong! The reason I am in this situation is that I overspent on Google Adwords without realizing it -they charge for ads after the event and it's easy to overspend by a few grand. I phoned Amex and offered to make up my overdue payments in two months, but they refused. Anyway, that's irrelevant. I am now faced with a possible court case if they go through with it, and I am looking forward to it due to them getting the details wrong. I now have the card number of somebody who owes Natwest over £2000! What can I do with that - I have not informed AIS of this - why should I. That's where we are now: facing a court case for a debt I don't owe, failure to reply to a CCA request for a debt I do owe, and am willing to pay at £200 monthly, and Amex refusing to discuss the debt with me because it has been passed on to a collector that they wil not name to me. This has been a long post, and I will make sure to respond quicker if anybody replies to it. To Alexlord, yes, you are still liable if they do not send you the CCA, but if they cannot provide it in court, or other definite evidence with your signature that you owe the debt, they cannot force payment. Refuse to acknowledge the debt. As far as I know, though I am not an expert on this but have been informed by others who profess to be, if they don't have the CCA you signed with the original creditor nor any other positive evidence that you acknowledeg the debt, then they can do nothing. I have also found this site that might be able to help. If you provide them with details of income and expenditure, they negotiate with creditors free of charge, and help you come to agreements that suit you. Moneybubble.co.uk - I haven't provided the full URL because it seems to default to an advert, but in spite of that they seem quite good, and their legal advice on this sort of debt problem is free. I have just contacted them and am awaiting a reply, but they look OK. If anybody has dealt with them plese let us all know! Thanks everybody for your support, and I apologise that this thread is so long. I use smilies instead of screaming at my wife! Regards, Peter

Yes, it was sent Special delivery to get it there next day. It was received and signed for on the 3rd. Hanging up is no good since this guy called Brown just rings back again - and again, and again. He phoned my work last week 5 times in less than a minute till I had to speak to him. He told me I was lying when I said I had requested to be contacted only by letter. He said he had replied to my CCA request, and laughed when I told him he was in default for not replying. He said I was talking rubbish and that next time he would inform my employer that he was taking a stop on my wages. That's what decided me to contact a solicitor. It's either that or a hit man, and the solicitor is the cheaper of the two! What's a SAR, and is there a template for a request for one on the site? Thanks for your hlep. I really do appreciate evrybody who is helping me, and I will try to do the same for others once I have got through this. I just wish it would get sorted soon, but it helps being able to write to this forum because otherwise I might break up. I've not had a proper night's sleep for over 6 weeks. It's not easy, especially when I want to pay, but they won't let me. But you guys all know that, so thanks. Cheers, Peter

It's all getting too serious now. They phoned my wife and insisted on her giving them my mobile number. They then phoned me and told me if I didn't pay the full amount in 24 hours they would arrest my wages. I know they can't do that but they shouldn't be allowed to threaten that, or my wife. My mobile is a works mobile and they shouldn't have the number. I complained about them getting my mbile number from my wife and they denied it. This Mr. Brown also denied I had asked for only written communication in future, but every time I hung up, he phoned right back. He called my work 5 times in less than a minute, until I had to speak to him. I sent the letter requesting a CCA on 2nd April with no response. I mentioned this to him and he laughed, saying I was 'pathetic' to think that it made a difference, and that CCA requests are not legal obligations. I told him he was in default and he laughed again. I get a call every other day now, threatening me with further action. Does this mean that he can't actually do anything, because if he could would he not have done it? Thanks for all your help, but I have now got to let a solicitor deal with this. How do I do a SARs request: Is there a letter somewhere? I have looked on the site but can't find one. Cheers and thanks, Peter I have decided now to put the matter into the hands of a solicitor.

Their claim is likely legitimate, though in theory anybody could could phone demanding money. I requested a copy of the CCA, which is within my rights, and they have ignored me. They demand payment in full, which is the main problem since I cannot pay £4000. I have offered £200 monthly but they refused to consider anything but payment in full immeditalely. There is therefore no further communication necessary. Until the matter goes to court and the judge accepts my offer, there is nothing more to be discussed, other than their failure to meet their legal oblogations and sedn me the CCA, and also to trade within the guideleines of the OFT. Regarding Misterminds reply, this is the response I got from Company House: Dear Peter, Thank you for your email. Allied International Credit I have checked the register for the above company, but cannot find any trace of a registered company with this name. Companies House only registers limited companies. Unfortunately, there is no requirement for sole trades/partnerships to register details anywhere. Yours faithfully, Alyson Wilson Companies House Contact Centre enquiries@companies-house.gov.uk ----- Original Message ----- From: "Peter Nisbet" [p.meg@techemail.com] Sent: 06 April 2007 Subject: Information Hello I am trying to find out who is repsonsible in law for a debt collection company called Allied International Credit. They frequently break the law regarding theit abusive and bullying telephone tactics and I need to know who the directors and company secretray are. What is the best way for me to do this. I am prepared to pay your fees, but your website does not make it clear that if I pay the £5 requested that I will have access to the information I require. Can you please provide me with some guidance. Best regards, Peter Nisbet

Company House has no record of this company. They have also started again. They phoned my house 4 times when I was out yesterday and tried to get my son to give them my mobile number. They phoned my work 5 times this morning, and I finally had to speak to them because they just continually phoned after I put the phone down. The guy I spoke (a Mr Brown?) denied that I had requested only written communication and has said they are now taking legal action to sequester the debt against my house. It has been 8 days now since they received my CCA request, and they are denying they have to provide it. Peter

Thanks all. I am glad I found this site. I have contacted Companies House as you suggested, Mistermind, though it is now a Bank Holiday. Once I get the address I require I will keep it until I get another phone call, then inform the arse that he will be receiving a personal summons. I know I should not accept any more calls, but they have all been to my workplace so far. If I can find some way to give them my home number, I could record them. I think that if I can get these calls recorded, then it will provide more positive evidence. I have decided that this will go to court and that I will have proof on tape of their law breaking. I am not doing anything now, however, until the 12 days from their receipt of the CCA are up. That provides me with a stronger case. I will not remind them of it. I am over my initial weakness thanks to all on this forum and will now pursue this as vigorously as I can, especially now that I know that no court will refuse my £200 monthly offer and allow them to force a sale of my house instead. I am now wishing them to phone me! I can't wait to get started on this. I have never been a weak person, but was pretty close to letting this get too much for me. I now realize that we are not always as strong as we think we are. Thanks to everybody here, I am now ready for them and totally up for it! Cheers, Pete

Thanks all. I am glad I found this site. I have contacted Companies House as you suggested, Mistermind, though it is now a Bank Holiday. Once I get the address I require I will keep it until I get another phone call, then inform the arse that he will be receiving a personal summons. I know I should not accept any more calls, but they have all been to my workplace so far. At the next I shall provide my home number where I can automatically record all calls. I think that if a get these calls recorded, then it will provide more positive evidence. I have decided that this will go to court and that I will have proof on tape of their law breaking. I am not doing anything now, however, until the 12 days from their receipt of the CCA are up. That provides me with a stronger case. I will not remind them of it. I am over my initial weakness thanks to all on this forum and will now pursue this as vigorously as I can, especially now that I know that no court will refuse my £200 monthly offer and allow them to force a sale of my house instead. I am now wishing them to phone me! I can't wait to get started on this. I have never been a weak person, but was pretty close to letting this get too much for me. I now realize that we are not always as strong as we think we are. Thanks to everybody here, I am now ready for them and totally up for it! Cheers, Pete

Thanks. I hope you are right because I am going to go to the wire with this. I am willing to come to a monthly payment agreement of £200 but I have no funds to pay it all. He insited on no agreement, but I had to pay it all, preferably using a credit card. A cheque or internet bank transfer was no good, but a credit card was fine. He preferred a credit card to a debit card, because I asked the question. I suppose I should see a solicitor now, but they will not phone me again because they said I was talking nonsense about the CCA, and that they have no obligation to send me anything. The guy said the next step is to take court action. I was asked if I really wanted that, and I stated that I have no debt with them, and if I do to please send me the CCA. He said 'don't be silly' and then that they were taking action immediately to recover the money thorugh the equity on my house. I said go ahead. And that is where it is now. They would have received the request for the CCA on Tuesday 3rd. I am taking the advice I have received here, but it is a bit scary. Thanks anyway.