Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Could someone help please, I owe £9402 to RBS and have made an offer of £5000 to clear the debt however I have experienced a horrible individual named edited who has made an ultimatum that if the full amount is not paid by 11.30am on thursday he will instigate court proceedings I have explained to him that I am trying to juggle all my finances to pay off my creditors (deaf ears)I am very tempted to let him do this as it will show the court that I have made an attempt to pay also I have experienced the same kind of problem with an individual named edited from believe it or not Buchannan ,Clarke,and Wells where I offered £4500 of a £7900 balance which she refused could someone tell me where I stand legally with these offers and are they reasonable offers
Thanks
PARATROOPER
These people are scum and do not waste your time talking to them anymore.
If you search for Allied International Credit you will see numerous threads about them and their ridiculous antics.
There is a letter you can send them in the Stickies in the Debts and bailiffs forum. Its called a CCA letter. This letter states that the creditors must be able to provide a true copy of your original agreement within 12 working days. If they do not supply it within those 12 days, they have defaulted and cannot enforce the debt. After a further calendar month, they have committed a criminal act and can be fined.
Read as much as you can in the Debts and bailiffs forum. But in the meantime, do not pay any of these muppets, do not talk to them on the phone and insist that they only communicate with you in writing.
There is a letter in the Templates llibrary which you can send them. Its the Harassment by telephone letter.
Good luck and do not be intimidated by these idiots.
Spot
ps Allied International Credit have never contacted me since I sent them a CCA request three months ago.
Spotnot v MBNA and their nasty solicitors (on behalf of my friend)
Hi to all,
I too have been hassled by AIC. They are demanding £4550 by Monday 24th november 2008. This is a debt I have with Lloyds TSB which was originally in the region of £6400. AIC told me that I was behind on my repayments but Lloyds have told me nothing. I have had one phone call and now one card from AIC although they tell me they have been trying to contact me on numerous occasions but without success. As you are probally aware, this is totally untrue, just 1 call and 1 card! The 'gentleman' from AIC told me he was there to help but mentioned getting financial help from relatives or friends, as well as remortgaging my house or further borrowing! How does this work as I believe I am already 'blacklisted'!
My payments are bang up to date with Lloyds although I did fall a month behind on the very odd occasion but had no problems coming from Lloyds.
AIC will probally contact my employers as they have their contact details. Are they allowed to do this?
I have read about a CCA Letter. Does this mean a 'Consumer Credit Agreement'? Sorry for my ignorance.
Also How do I start my own thread as I seem to be a bit lost at the moment with all that is going.
Hope someone can help!!!!
Could someone help please, I owe £9402 to RBS and have made an offer of £5000 to clear the debt however I have experienced a horrible individual named edited who has made an ultimatum that if the full amount is not paid by 11.30am on thursday he will instigate court proceedings I have explained to him that I am trying to juggle all my finances to pay off my creditors (deaf ears)I am very tempted to let him do this as it will show the court that I have made an attempt to pay also I have experienced the same kind of problem with an individual named edited from believe it or not Buchannan ,Clarke,and Wells where I offered £4500 of a £7900 balance which she refused could someone tell me where I stand legally with these offers and are they reasonable offers
Thanks
PARATROOPER
Hi and welcome, you dont say what the debt is in relation to.
If it is for a credit card or loan, have you checked that AIC can actually collect the debt?
You do this by sending a CCA request to AIC the template is here
Template N / It costs £1 send it by recorded delivery and do not sign it, just print your name they have 12+2 days to provide a valid agreement, if they do not provide this agreement then they cannot pursue the debt.
The same applies to the second debt with BCW.
Also from now on do not phone these creatures, get everything in writing
PGH7447
Getting There Slowly
---------
Advice is given freely but is in no way meant to be taken as Gospel
Hi to all,
I too have been hassled by AIC. They are demanding £4550 by Monday 24th november 2008. This is a debt I have with Lloyds TSB which was originally in the region of £6400. AIC told me that I was behind on my repayments but Lloyds have told me nothing. I have had one phone call and now one card from AIC although they tell me they have been trying to contact me on numerous occasions but without success. As you are probally aware, this is totally untrue, just 1 call and 1 card! The 'gentleman' from AIC told me he was there to help but mentioned getting financial help from relatives or friends, as well as remortgaging my house or further borrowing! How does this work as I believe I am already 'blacklisted'! - This is against the law, demand their complaints procedure and report them to TS and OFT for this
My payments are bang up to date with Lloyds although I did fall a month behind on the very odd occasion but had no problems coming from Lloyds.
AIC will probally contact my employers as they have their contact details. Are they allowed to do this? No they are not
I have read about a CCA Letter. Does this mean a 'Consumer Credit Agreement'? Sorry for my ignorance. Yes
Also How do I start my own thread as I seem to be a bit lost at the moment with all that is going.
Hope someone can help!!!!
See my post above to Paratrooper about the CCA
Can a Mod move this to its own thread please
PGH7447
Getting There Slowly
---------
Advice is given freely but is in no way meant to be taken as Gospel
Allied International Credit
and have made an offer of £5000 to clear the debt however I have experienced a horrible individual named edited who has made an ultimatum that if the full amount is not paid by 11.30am on thursday he will instigate court proceedings I have explained to him that I am trying to juggle all my finances to pay off my creditors (deaf ears)I am very tempted to let him do this as it will show the court that I have made an attempt to pay also I have experienced the same kind of problem with an individual named edited from believe it or not Buchannan ,Clarke,and Wells where I offered £4500 of a £7900 balance which she refused could someone tell me where I stand legally with these offers and are they reasonable offers
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Originally Posted by paratrooper
