Indy Im in EXACTLY the same position as yourself, a joint council tax debit with my ex - who they cant trace, although I suspect that once they found me, they wont have done much to find him! I know we are equally liable for the full amount, I believe the only way you can get your money back, is to take him to the small claims court for the other half. Easier said than done, I no longer have an address for my ex, and even if i did, he would "return to sender" saying that he didnt live there to keep avoiding it! I live in Scotland, and he lives somewhere in Leeds -so im just going to have to pay up, and face the fact I'll never get his half back. Which I think is totally unfair!

Currently paying a debt back to Buchanan Clark and Wells - but had a voicemail from Apex today asking them to call them urgently (before 8pm) and gave the same reference number as I have for BCW. I have recently been recieving letters saying they have reviewed my account and want me to pay more!? What should I do....??

Allied International Credit - asked for the debt in full £1700 or they would send it to their legal department. The lady was rude and unhelpful, after repeatedly saying to her I wanted to pay it back but couldnt afford it all at once - would they accept monthly payments - she refused - after an hour of me basically pleading for her to accept monthly payments - I mentioned that a company had accepted a token payment of £5 over the phone that day, and had set up a payment plan - why could they not do this - she said it was company policy they had to collect it all - after further heated discussion she accepted £10 over the phone at the time, and then set up a payment plan of £40 - I felt that she did didnt help at all, and it was me that suggested the token payment which she eneded up accepting - this company are bullys - they told me to ask friends or family for the money, ridiculous!

So i'll hang fire on the CCA letter, Whats a subject Access Request? I already have a claim in with the RBS for unfair/unlawful bank charges and interest amounting to just shy of £3000 but thats on hold at the moment. Is that what your reffering to with exessive charges??

Thanks! Very helpful, letter written and being posted by recorded delivery today!

After reading all the other posts on this company I only wished I googled them before! I had a stressful encounter with AIC two months ago where they demanded I pay them £1700 for a bank overdraft from an old RBS account - after arguing with the lady on the phone for over an hour - she relented from only accepting the full amount, to a first installment of £200, and £40 monthly installments there after. So i was suprised to have an "urgent" voicemail on my mobile yesterday asking to call them back re my account - since ive been paying them the monthly amount. I called them back and left a message - and not heard back since. Just wondering where I stand, is it worth me sending in the CCA letter ive seen on other threads even though i've started paying them money back? Do i stop paying them back til i recieve the CCA? And should i now insisit (if and when) they do call me back that I want all future correspondance in writing. Also they are taking the money off my debit card every month - so how on earth do i stop them debiting my card every month? Im worried i can stop paying them even if its in dispute! Help! Jayne

Help - Trying to post a new thread on Allied International Credit - but there is only a "post reply" button on my screen, no " new thread" icon!!! How do i go about posting a new thread?