Allied International Credit

[pakanena]

Hi there!

I am so pleased to have come across this group and see that I am not alone

This is my first post and I have spent a good hour reading through similar situations, and feel a lot more informed that I did when I woke up this morning.

I took out an overdraft with Lloyds TSB aprox 5 years ago for 1,500 pounds when I was living in the UK (I now live in Spain and have done for 4 years).

To be perfectly honest, I foolishly became so involved in life here that I forgot about my overdraft in the UK. That was until the beginning of last year when my step-father called me to let me know he had received several phone calls from Lloyds requesting to speak to me, and then letters demanding immediate payment. The most recent letter was received this year from AIC.

I telephone Lloyd's debt collection last year when I first learned of this and advised them over the phone of my address in Spain, and reiterated to them several times that I did not live in the UK and did not appreciate them hassling my step father. They aknowledged my address and phone number, and said they would send a payment plan to me with international bank details so I could start making payments.

Two months later my step father was receiving threats from the bailiffs and I had still not heard anything from Lloyds. Again they aknowledged my address in Spain and said they would send me written communication, and promised to remove all the UK information from their system. However they did tell me that they did not know how to go about setting up international payments but that they would "look in to it".

Six months, and nothing.

I called again, and was told the same thing. I asked for a mailing address or a fax number so I could send my request in writing and was refused.

Then came the letters from AIC at the beginning of this year, AGAIN to my step father's address in the UK. He opened one of the letters and called me in a very distressed state, especially considering I had promised him that I was dealing with the situation.

I called AIC two months ago and spoke to an arrogant young man, and explained the above to him. Needless to say he was less than interested and demanded ful payment. I said I could not make a payment of 2000 pounds.

They took my Spanish address and phone number (again) and promised to write telling me what options I had.

I heard nothing untile yesterday when I received a letter from them stating that as they had not heard from me they would be sending my file to their legal team in Spain, and that I should contact them immediately.

Conveniently there is no return address so I cannot write to them.

What irritates me is that I have had NO correspondence from Lloyds nor AIC until yesterday despite me informing of my address several times.

I am happy to make repayments but need to know where to make them to!!

Could anybody advise me on what to do as I do not wish to have legal proceedings started against me in Spain, and more so considering I was happy to make repayments on this debt but its now arrived at this point due to the considerable incompetance of both Lloyds and AIC.

Do AIC have a mailing address?

Many thanks to all of you

[Michael Browne]

Allied International Credit (UK) Ltd

The Clock Tower
Office No. 5
Chineham
Basingstoke
RG24 8BQ


Phone: 01256 416 406
Fax: 01256 355155

[pakanena]

Thank you for that very much appreciated information.

I will write to them tomorrow.

[pakanena]

This is the letter I plan to write with copies to both Lloyds TSB and AIC: I have not acted upon my desire to call them names and use sarcasm although I am nearly reaching that point.

Would this be a suitable letter or should I be more detailed?

Dear Sirs

I refer to your letter dated 11th August 2008 in which you inform me that “AIC Ltd Are preparing the above account for transfer to our Legal representatives in your country”.

When I spoke to one of your representatives be telephone on xxx July 2008, I was informed that a letter would be sent to me outlining payment options and further contact information. I have never received such letter, nor any further correspondence or communications from yourselves save the final notice letter referred to above.

I am sick and tired of speaking with your representatives on the telephone, and likewise with those of Lloyds TSB.

I HAVE INFORMED BOTH LLOYDS AND YOURSELVES A TOTAL OF SIX TIMES IN THE LAST YEAR OF MY ADDRESS IN SPAIN, YET CORRESPONDENCE CONTINUES TO BE SENT TO AN ADDRESS IN THE UK AT WHICH I NO LONGER RESIDE.

I stated to Lloyds TSB in each conversation my willingness to repay back the loan at a rate of 50€ per month , and they agreed to send me a payment plan and details of how to make payments.

Needless to say, this letter was never sent to me in Spain.
I spoke to them in total four times by telephone, each time to be told that my change of address had been registered with them and that they would send all future correspondence to my address in Spain. I will also point out that they refused to provide me with a fax number or address in order for me to be able to confirm my change of address in writing.

I now see that the debt has been passed on to a company going by the name of “Allied International Credit (UK) Ltd - I assume because the debt remains unpaid to Lloyds TSB.

Had Lloyds TSB been capable of sending correspondence and requested payment information to my Spanish address, they would have received money by now.

I consider my debt to be held with Lloyds TSB and request that they explain to me in writing why they have not been able to carry out such a simple task as writing to me at my correct address-
I ONCE AGAIN RECONFIRM TO BOTH PARTIES MY CORRECT CONTACT DETAILS

XXXXXX

And, once again, I inform both parties that the maximum amount I am in a situation to pay is 50€ per month BUT I NEED AN INTERNATIONAL BANK ACCOUNT NUMBER AND REFERENCE TO BE ABLE TO DO SO.

[giveITallback]

Hi,

Alliend International....what a bunch of sneeky toerags. I have an agreement in place with them and have been paying £10 a month for a couple of years. I've only stupidly just realised that the debt is being chased by another company and is in fact now with the the third differnt company Scottcall on behalf of Aktiv Kapital who had the debt from Buchanan Clark & Wells!?!?!? WTF!?!?

What on earth do I do about this little episode?

Anyone?