Hi, many thanks for the comments, below is my CCA Scan Again, thanks to all who've advised me and calmed my nerves a little!

AIC have stumped up with the CCA, albeit slightly late, and have now sent a 'Final notice of intent'. It says that a bailiff can come to my home and that they could secure the amount from my wages via my employer! Can they do this? How many people have actually been taken to court by AIC? I've offered them a monthly payment but they don't want to play ball Very worried Thanks

Hi all, any help or advice greatfully received I received a yellow card from Allied International Credit in a brown envelope asking me to call Mr X urgently, I did so and they told me they wanted full payment of a debt I had with Lloyds TSB (£5K) imediately, I told them I couldn't pay it in one but would be happy to pay in installments, they told me they wouldn't accept this and that I had two days to pay. They suggested me borrowing from friends and family which I told them I couldn't do. I had already spent the months previous trying to contact LloydsTSB to arrange repayment of the debt and they refused to talk to me. I them phoned them again after speaking to AIC and told them that I wanted to pay but no-one would talk to me! They told me it was out of their hands and I now had to deal with AIC. I sent them a CCA letter on the 13th January 1st class recorded with a £1 P.O., I didn't sign the letter. I received a copy of my signed credit agreement on the 7th Feb 09 but this was outside of the 12 working days +2, it should have arrived on 3rd feb at the latest, I have shown willing to pay this debt but they don't want to play ball so where do I stand?