Hi. I am new to this site, my first post. I am some what confused. Here goes. A few months ago a company called Allied International Credit demanded £555 from something I bought 2 yrs ago which never worked, I took finance out with a company, so I didn't pay for the goods as it never worked and when I tried to send it back, there was no address. Anyway, thats besides the point. AIC kept calling, sending postcards to my address demand I call them, felt harrassed. Finally I spoke to them, explained eveything and they threatened me with CCJ, court etc....so foolishly I paid them! Not heard anything since, this was 2 weeks ago. They said they would send me a receipt, but nothing and yes they have taken payment out of my bank. I wish I never paid them now after reading comments on this web site. But I guess nothing I can do now eh? Ok, another situation: I am with a debt management company, I pay them and they filter out money to creditors, some dating back in excess of 9 yrs! I am concerned as I am sure some/most can be written off? Also I had a random letter from a Brian/Carter solicitors, demanding I pay £1300 for a debt dating back to 1999. However this credit is in with my debt management people. Anyway I got very scared and rang Brian and Carter and they needed £77 off me to stop baliffs, so I paid this! Also wanting a direct debit set up of £50 a month to pay them, again I agreed this. I then spoke to DFS who this debt was with and they wiped it off, so I wonder why I still have to pay this, also I spoke to the debt management people who told me to cancel the direct debit, which I have and forward the letter onto the, which I have. They said I should not worry about this and Brian and Carter are just trying to scare me and that they do this all the time. It was horrendeous talking to these people over the phone and AIC! Can anyone offer me some advice or re-assurance, I'm a bit confused. I am just worried that now I have canceled the DD, they will keep enforcing I pay £77 to keep the Baliffs away! I would appreciate any help with these matters above. Many thanks.

Hi. I am new to this site, my first post. I am some what confused. Here goes. A few months ago a company called Allied International Credit demanded £555 from something I bought 2 yrs ago which never worked, I took finance out with a company, so I didn't pay for the goods as it never worked and when I tried to send it back, there was no address. Anyway, thats besides the point. AIC kept calling, sending postcards to my address demand I call them, felt harrassed. Finally I spoke to them, explained eveything and they threatened me with CCJ, court etc....so foolishly I paid them! Not heard anything since, this was 2 weeks ago. They said they would send me a receipt, but nothing and yes they have taken payment out of my bank. I wish I never paid them now after reading comments on this web site. But I guess nothing I can do now eh? Ok, another situation: I am with a debt management company, I pay them and they filter out money to creditors, some dating back in excess of 9 yrs! I am concerned as I am sure some/most can be written off? Also I had a random letter from a Brian/Carter solicitors, demanding I pay £1300 for a debt dating back to 1999. However this credit is in with my debt management people. Anyway I got very scared and rang Brian and Carter and they needed £77 off me to stop baliffs, so I paid this! Also wanting a direct debit set up of £50 a month to pay them, again I agreed this. I then spoke to DFS who this debt was with and they wiped it off, so I wonder why I still have to pay this, also I spoke to the debt management people who told me to cancel the direct debit, which I have and forward the letter onto the, which I have. They said I should not worry about this and Brian and Carter are just trying to scare me and that they do this all the time. It was horrendeous talking to these people over the phone and AIC! Can anyone offer me some advice or re-assurance, I'm a bit confused. I am just worried that now I have canceled the DD, they will keep enforcing I pay £77 to keep the Baliffs away! I would appreciate any help with these matters above. Many thanks.