Yup, but they bought one of my alleged debts back in 2007 and when I didn`t give in to their infamous "pre legal department" they "passed" it to MIDAS (in house legal department, lol!) who purported to be an external "litigation" company. The debt is well and truly buried in line with Limitations Act but they still need an ar*e kicking IMO.

Moorcroft and MIDAS Legal Services springs to mind

Thanks Guys, Would a standard CCA request surfice or does it need to be more bespoke owing to the Part V exemption?

Hi I`ve been on here for while (lurking in the background) and have learned lots of great stuff. My position is this Crapbot bought my overdraft from a High Street Bank and despite lots of letter tennis they have (Morgans) issued proceedings through the Nothampton BC. The POC weas extremely vauge and had no documents supplied with it so I submitted an embarassed defence. On Saturday I recieved notification of transfer to my local court as well as the AQ. To date I have been defaulted twice for this account (different amounts) one from the OC the other by Cabot (who did this some 2 years before they had any authority to act on the account??). I have submitted an SAR and I am awaiting the content of their "Disc" containing the information they hold relating to this account "but which may not contain agreements, statements etc" which I accoring to Cabot will have to seek from the OC, however time is moving on and I need to complete the AQ hence my post. This it is a matter for the small claims track and as such the costs should be minimal and not the thousands they have suggested. I am not able to settle the debt as I am in arrears on my mortgage and 2nd charge on my property and have the delight of being the subject of distraint proceedings by the inland revenue as well as proceedings for non payment of council tax (oh when will the sunshine again?). I am now unsure whether I should have CCA`d Cabot and the OC thus providing the statutory defence of default or whether I should explore an alternative route. I would also be grateful to recieve any recomendations of what documentation to request via the AQ. 1. Contractual Agreement 2. Default notice x 2 3. Termination notice. To date Morgans have supplied nothing more than a "representation of the notice of assignment" which is a not sufficient (in my opinion). Any advice would be gratefully recieved. Thanks Tonsofbrass

Found this on total jobs, looks like AIC are expanding. Allied International Credit is a well established business with over 40 years trading in the UK. Given our continued success, we have opened our 3rd location in Didsbury, Manchester. COLLECTION OFFICERS URGENTLY REQUIRED FOR OUR NEW 125 SEAT COLLECTION CENTRE IN DIDSBURY. Hours: Full Time 37.5 hours per week - Having dealt with every pretty much every DCA around I have to say this lot are the most unprofessional. Beggers belief such a company is allowed to expand with the number of complaints they must have received.

As a member who has held his tongue for some time I say.....It matters not what Sara thinks the law is the law. It is time for CSA members to either comply with debt collection guidance and CCA legislation or watch your industry crumble as the teachings of the empowered 250`000+ is conveyed to the suffering millions. Keep up the great work to all Caggers and a massive thanks to the CAG team and regular CAG posters.