Allied International Credit

[MyNameIsDebt]

Hi All,

Due to naivety I can't believe I missed such a great site until now!

Just to start off, I'm a complete newbie to all this and any help will be greatly appreciated.

I originally got a loan for 12.5k in June of 2004 (stupidly) I was 23, 2nd child on the way with my then partner....anyway a year later my partner left me and took the kids and i didn't cope too well with that and ended up going into a bit of a downwards spiral with depression and my work was screwing me about with pay...anyway, in the end i lost the flat i was living in, ended up quitting my job as i was sick of them screwing me about and moved to my sisters. I did kep in contact with Lloyds for a while insisting that i would be able to start making repayments once i got a new job....they threatened me with allsorts and i basically made mistake no. 1....I buried my head in the sand.....to cut a long winded story short....I moved to London in January of 2007 got a job in February temping and was just made permanent in June of this year.
On July 18th I got a postcard through the door with nothing on apart from the AIC initials and a note asking me to phone someone....I called it and they informed me of the Lloyds debt...and that they have had the case since January of this year trying to find me. I informed them I was now in a position to make a repayment of £100 a month after Income and Expenditures...they said no to that and that they wanted 6.5k by July 31st....I have no savings and no way of getting this money. They then called me on the 2nd of August saying they had sent a letter the day before giving me notice of final intent...which i received today.....can anyone help me....they are threatening an attachment of earnings or bailiff or a charging order....the only thing i can see them doing would be an attachment of earnings as i have no assets and i currently lodge at my stepdads rented flat.

[OnMyWayOut]

Before it gets to that stage they have to get a court judgement against you. Your next step should be to send them a CCA request, unsigned and with a £1 postal order enclosed 'only for the payment of this CCA request and not to be used for any other reason'.

[berrylover]

I DO NOT ACKNOWLEDGE ANY DEBT
Dear Sir/Madam

Re:− Account/Reference Number

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully

[MyNameIsDebt]

Even if I have made contact with them twice already is it advised that I put "I do not acknowledge any debt" at the top of the letter?

[jebtmb]

I have contacted the twice but i havent aggred to the debt on the phone. I have sent them a letter. They do keep calling but DO NOT speak to them get everything in writting thats what ppl have tol me on here.

x

[MyNameIsDebt]

They did initially ask me about the debt and if i knew what it was concerning and again...in my naivity i played it cocky and said yes.....very regretfully npw, also i know i'm going on a bit now but with the CCA request....what is the deal with that? I have read through a few similar threads and from what i can gather is that if they don't comply and end up taking me to court, then the debt is null and void???

[emmaf01]

If you haven't paid them anything or put an acknowledgement in writing, then you haven't acknowledged the debt, so still put that at the top of the letter.

[MyNameIsDebt]

Ok, going to send off the CCA request by recorded post tomorrow. Just for info....what should be the next steps after that? I give them 12 or so working days to repond or 12 straight days? If I don't hear anything after that, or get another letter what should I do?

thanks for all of your time

[emmaf01]

As long as you start every letter with "I do not acknowledge this this debt" in big, bold letters then you will be fine.

You may get further letters from this company. If they haven't supplied the CCA then you will write them a further letter stating that until they supply the CCA there is no debt as far as you are concerned.

Don't worry. If and when anything happens, just post here and we will all help!

[vegasboy]

Hi folks. Firstly i apologise for not starting my own thread (as this is my first post after just joining!), but what i want to know and say is very relevant to this discussion. Very similarly A.I.C. are hassling me and more to poiint my elderley parents for monies and threatening them with a "visit". I shan't go into huge detail but basically it was a car loan with lloyds (black horse finance) that started in 2003, i genuinely thought i'd paid it off after not hearing from them for a year or so after paying a (final, or so i thought) lump sum of 6K. turns out there is about a thousand pounds left. I was living with my parents for only a short while (after splitting from ex wife) so this is where they have that last known address from. My personal circumstances are quite bad, living with friends ect.. i have read all the threads regarding this company and the lovely people here, as they have done on this thread, advise you to send a CCA request, which i have. Trouble is they sent me straight back a photocopy of the original loan aggreement. So my question is this (getting to the relevant bit now, sorry?).... was just this 1 sheet of paper all they needed to send?.. what on earth do i do now?.. what is the importance of a debt being over 6 years old (next year in my case)... These people are making my parents life a misery and they're going spare with the thought of burly men turning up and taking their belongings.. which i have told them that they can't do, but still.
Any help or answers would be so very helpfull, and keep up the good work. I am so very impressed by all this help...

[OnMyWayOut]

After six years with no payment or acknowledgement in writing by you it becomes statute barred - not six years after the loan was taken out. The chances are that yours is nowhere near statute barred.

There's a template letter to stop further harassment of your parents that you should send recorded delivery, unsigned.

Post up a copy of your CCA (suitably masking out personal information and other identifying markings. Someone will be able to advise on its legitimacy.

Best to start your own thread for this.

[vegasboy]

Ok fair doos.. but i can't seem to find a button for starting my own thread?.. duh.. sorry but new to this game.
any hints?

[OnMyWayOut]

Go back a page to the thread list and there's a new thread button at the top of the list.

[florish]

I had read on here all the various horror stories about AIC, and thought to myself I hope none of my debts is ever passed to them.

Then earlier this year, the postcard from AIC arrived, followed by their threatening letter.
They wanted the entire £3k and not a penny less

I CCA'd them, however after a few weeks they actually produced a valid CCA - which was a first for me (I was actually quite excited about
that )

However, I decided that I didn't want to deal with AIC, so I wrote a letter to the original creditor (Lloyds), copying in their chairman, and complained about all the underhand AIC tactics (that I'd read about on here) and a couple of weeks later I received a letter of apology from Lloyds.
Lloyds took the account back from AIC and I'm paying them a token £1 per week, until I can get rid of them.

To think I used to be scared of all these DCAs' until I found websites like this, and the many good people who use them, gave me new confidence by informing me of my rights.

[emmaf01]

Florish it is great to hear a success story. Hopefully MyNameIsDebt can get a positive outcome out of this too.

[collapse]

Can someone provide the address details of Lloyds and the charman please as I have a similar case and need to have this resolved asap

[MyNameIsDebt]

Just an update on the situation this has been passed onto Robinson Way now. They have sent a letter saying they will send out a field agent or words to that effect 10 days from the date of the letter. Do I just send a CCA request to them or something else to stop this leech coming to my house. I understand it is trespassing but would like a bit more info