Hey,how do i find out when i was last in contact with them and when my account will become status barred? Cheers mate

I have a new update which has left me even more confused..Ive just received a letter from the RBS credit managment services branch.They are now stating the date of first movement on the account as 25 April 20005.As the loan was taken on a 48 months period which ended on april 2009 and i'll have a annual rate of 9.84 percent.That i should contact them for a final settle ment figure? What should be my next step?Does this mean i need to wait 5 years after april 2009 for my account to be status barred or is it from the last time i paid anything? Does this mean AIC have passed the debt back to the Royal bank and could this be good news? Chhers for the help so far guys.

Im reposting this thread in hope of more good advise.. Hi,im trying to work out my first move(if any)with regards to my AIC debt.I managed to get myself into a debt of 5000 pounds with the Royal Bank of Scotland in 2005.Since this time ive been out of the country living in New Zealand.Having returned home in novermber 2009 my parents have informed me they have been receiving mail from a couple of different debt collecting agencies and fad decided to return all the mail to the sender.After being home 2 weeks i received a letter from Allied international telling me to get in contact regarding my debt which i ignored.Las week i received a letter stating URGENT!FINAL NOTICE OF INTENT!They are making threats of taking me to court if i dont pay the full 4.868.53 immediately..Im worried sick could someone please give some frindly advise on this matter. What is a CCA form and sohuld i send AIC one?Im unsure if the even know im back in the country or staying woth my parents should i just blank them and hold out for status barred?This whole affair is starting to affect my health and im now losing work. Help me if you can im feeling down. Thanx for a great website.

These AIC guys have me so worried im missing work through it now,please help.. Cheers,Andy.

Both of you guys have given me great advise and im vey greatful.Now i just dont know if i should avoide all contact with AIC and hope they do the same untill my debt goes statue barred.If i send them a CCA thats me confirming that i am actually back at my parents house and they will pressure me further.Your information has been invaluable so far but i just need that last push.. Thanx guys.

Thanx for the swift reply Steven! The last payment was sometime in 2006 im unsure exactly when.Is there some way i can find out that information from the debt collectors?Or should i avoide all contact further? The debt was a bank loan of 5000 pounds form the royal bank of scotland. Is there anymore ifno i can give you? And what about this business of the baliffs coming to my parents address?Surely that is just scaremongering tactics? Thanx so much for the help thus far.

Hi,im trying to work out my first move(if any)with regards to my Allied International Credit debt.I managed to get myself into a debt of 5000 pounds with the Royal Bank of Scotland in 2005.Since this time ive been out of the country living in New Zealand.Having returned home in novermber 2009 my parents have informed me they have been receiving mail from a couple of different debt collecting agencies and had decided to return all the mail to the sender.After being home 2 weeks i received a letter from Allied international telling me to get in contact regarding my debt which i ignored.Last week i received a letter stating URGENT!FINAL NOTICE OF INTENT!They are making threats of taking me to court,arresting my wages and most worringly a bailiff could come to my parents home if i dont pay the full 4.868.53 immediately.I am living with my parents but its there house.Im worried sick could someone please give some friendly advise on this matter.

Hi,im trying to work out my first move(if any)with regards to my AIC debt.I managed to get myself into a debt of 5000 pounds with the Royal Bank of Scotland in 2005.Since this time ive been out of the country living in New Zealand.Having returned home in novermber 2009 my parents have informed me they have been receiving mail from a couple of different debt collecting agencies and fad decided to return all the mail to the sender.After being home 2 weeks i received a letter from Allied international telling me to get in contact regarding my debt which i ignored.Las week i received a letter stating URGENT!FINAL NOTICE OF INTENT!They are making threats of taking me to court if i dont pay the full 4.868.53 immediately..Im worried sick could someone please give some frindly advise on this matter.