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Beerbottle

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  1. Thanks again guys. I read about your story Desperate Daniella. Thats how I found this site, I googled about AIC and scams because something just did not add up. Your thread was top of the list. I took the card out in 2001-2002. I got a text message earlier this evening around 6pm that says the following: "MrXXXX. Your account is now being actioned, I can only stop this if you contact me at AIC on my direct line 0141XXXXXX." I assume this is more scare tactics? Would it be worth me phoning them tomorrow and asking them to stop the harrassing phone calls/messages and I only want any further contact in writing, otherwise I'll contact the OFT. CCA letter is ready to be posted tomorrow morning as well. Should I mention this to them?
  2. HI guys, Thanks for the advice, I did not ring them today but they rang me, 3 minutes before "deadline". I didn't bother answering. The CCA request will be sent first thing on Monday by recorded delivery. (I have work tomorrow unfortunately). I'll keep you informed and updated of any progress.
  3. Thank you. Thats exactly what I thought, I'm not one to get intimidated, but those calls were disturbing. I can imagine them scaring the bajeebus out of more timid folk. Anyway, I'm not really educated in the financial world, I'm assuming F&F is a Full and Final offer? In which I would offer them a settlement but only if the CCA is not enforceable? I'll do some digging as I hate to keep asking, but how would I know if a CCA is not enforceable? Also any advice on what I should say to AIC tomorrow when I ring them? They said I need to ring them tomorrow with a decision or they'll "start proceedings."
  4. Hi all I'm new here and its maybe a bit late in the day but I've been reading the problems people have being having with AIC and AMEX, so I'm just after a bit of advise. A bit of background on my problem first of all. Around 6 months ago I had moved address, I had changed address with my bank who for some reason decided to cancel all my direct debits. I thought I got them all back up and running apart from AMEX, who admittedly I'd forgot all about. I don't use the card (in fact its cut up and probably lining a landfill somewhere) and just had the direct debit set up to collect £75 per month to clear it, I never even paid it any attention month after month, it was there and it got paid. Last week I realised that AMEX were not getting paid, obviously I had not been getting any letters at all due to moving address, so I rang them and they passed me around a few departments until I had one person say that they have cancelled the account and will not reverse the decision and passed me onto a company called AIC. The initial conversation was last Thursday, in which I told them I was more than willing to pay whatever was outstanding (around £350 based on minimum payments by my figuring) and get the direct debit set back up for the £75. The person said let me see what I can do and he'll get back to me the next day. They never did. Yesterday I got a text message asking me to call them as a matter to priority before 5pm. Which I did and now I'm being threatened with all sorts, if I don't pay £1900.06 Funny how the debt was around £1500. Bankruptcy, unemployment (I'm not sure how), repossession of my home (which is rented ) assets frozen or siezed by bayliffs (what assets, I've just moved out of the parents trying to set myself up for the life ahead, most expensive thing I own is a £200 sofa from Ikea) etc etc They decided to give me two options, either pay £1400 or pay a down payment of £740 with 12 payments of £95 and if I can't pay ask friends or family to pay it for me(no). Frankly I cannot afford an intial payment of £740 nevermind the £1400, I'm due to call them tomorrow again not even sure what to say to them, and after reading some posts I most certainly will not be giving them my debit card details. However after discovering this site, I've came to learn that AIC are nothing but bullies. I am tempted to ring AMEX back tomorrow and negotiate with them, but I've been seing a lot of people recommend that I ask for a CCA and not to pay anything until I get this. I'm not even sure what this is, or why I would need it. So can anybody offer any advice of this most disturbing chain of events. Like I say I am more than willing to pay whatever it outstanding on the 6 or so months and continue to pay it off, but will not be bullied into paying more than I can afford to. I took the card out around 2001-time (in my silly youth days). Would it be advisable to try and negotiate with AMEX? Thanks in advance.
  5. Beerbottle

    AIC Threats

    Edit: Sorry posted in wrong place I think
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