ok, so on friday they got back to me. They sent two letters, the first saying they thank me for my communication and that they are referring the matter to their client and that the account is on hold. The balance stated on this letter is £2299. The second states that they can confirm they are acting as agents for natwest and are not the creditor or third party and quotes my old natwest account numbers. They have noted that i made a request to AIC under the consumer credit act 1974 and that they are currently taking their clients instructions in this regard and will revert to me in due course. The balance stated on this letter is £7,290.26!! Not quite sure what to make of the massive increase of the debt, im assuming its a mistake they've made cos there is no way that the has increased by that much. Any ideas what my next move should be?

Right that letter has now been sent and received, so now i've just got to sit tight and see what happens next is suppose

Just received some angry letters from Fredrickson International Limited informing me that i have to settle the full amount within the next 7 days otherwise they 'will take immediate action'. They say immediate action would involve the County Court or the Sheriff Court. There's no way i can pay it in full, what are these guys like when you speak to them on the phone? I wouldn't mind entering into a reasonable payment agreement but if there anything like AIC were they're probably not going to be to into that idea. Don't really know what to do.

Ok new update, Just started getting calls today from a company called Frederick International, so I'm guessing they've bought the debt off AIC. Still not received a single letter off AIC or Frederick International, not answered the calls from the latter yet either. What do you think i should do?

Ok still no reply from AIC or any other DCA. Not really sure how much of a good idea just leaving this debt hanging is. I need a plan lol.

oh right, will the new DCA be even more scary and uncompromising that AIC?

Just thought i'd give an update of whats happened so far.....which isn't very much. I sent the letter recorded delivery on the 9th and it was received and signed for the day after. Since then i've heard nothing, no phone calls or letters or anything. So what should my next step be? should I just wait for them to get in touch?

Thanks for you help going to send the 'prove it' letter today recorded delivery and i'll just ignore the phone calls for now. Any idea what kind of interest or extra charges i will be getting added onto the debt? once i send the letter what will they do to 'prove it'? do they have a limited time frame within they have to provide proof? Thanks again

A couple of months back i had my student bank account closed and my overdraft taken away (£1800) quickly followed by my current account (£500) all with Natwest. As i was a recently graduated student i couldnt afford to pay it off so the debt got moved to Triton. I had been keeping up with monthly repayments with them fine, but due to arrears incurred the debt then went to AIC, (which i had no notification of). So spoke to a man from AIC on the phone for the first time today and he told me that i had two options. 1. Pay half the debt within the next two days and the rest will be written off. or 2. face litigation proceedings. They would not agree to a payment plan, they basically want all or nothing. I don't know what to do! please help!