Hi let me tell you a story about AIC. About 4 years ago I had an account with Captial One. AIC took it over and a guy there phoned me on my business number at home as I was working from home in those days. However, the call was recorded. The guy was really unkind and then said "if you wont deal with this will you get your daddy to come on the phone and fight your battles for you?" At this point I flipped as my Dad died 18mths before hand and that was totally out of order. AIC denied this ever happened until I sent them a copy of the call recording. Capital One apologised profusly but AIC never did. best of uck with them, they are hideous.

CCA - Consumer Credit Agreement right? SAR - Subject Access Request??? They are being totally unreasonable but they do legally have to prove this debt is outstanding right? sending a letter saying pay up **** boy doesnt count

Thanks for that, I know that they are not interested as it was not deliberate and apparently we are only human after all Any ideas how I can get them off my back with the account though, they are hideous and I find it hard not to be rude to them:-x

Hi I am having real grief with Ruthbridge. They say I own money on an old loan with Welcome I had from about 4 years ago. I disputed this with DLC and suprise, now Ruthbridge are chasing me. I have requested proof and they have refused to provide it to me threatening court etc etc I have however "dropped a ball" as I accidently sent them a letter for a customer in error and was told to fax them saying it had been received in error which I did, I then told them to destroy it and now they are being difficult as they are going to the DP registrar to complain about me. This will mean that I am likely to end up in serious grief with work as a result. What can I do? I know they are not going to go away