I would not talk to them on the phone. Don't give them a mobile number. They have sold the debt on probably because they feel that it isn't worth chasing. You are within your rights to ask for a copy of the original agreement. There is a template on here ( CCA request) and they ,by law must provide one as proof. When you send it you must also send a £1 postal order and do not sign any letters. I used a word document. I have now had 5 seperate debt collectors asking me for money. Each time i have sent a CCA request letter they have sold the debt on. Now I have received a letter from NAT West Bank asking me to go into my local branch with a copy of my signature plus a passport to prove that I am not the one they should be chasing!!! How absurd is that? Once you have sent the CCA letter you have to allow them 12 business days to come up with the proof. If they don't then you need to send a follow up letter. You can also find a template on here for that one. Trevor.

In my case, I think these companies realise that they are not getting anywhere with me so they sell the account on to another agency. AIC seem to be the most threatening but I told them, and the others that all my calls are recorded. They then suddenly become more polite. They have absolutely no respect for anyone regardless of their age. I believe that they would still be chasing me if I was six foot under. I ignore all their phone calls and letters now as I know they haven't got a case against me. Try not to let this get to you. That is what they want.

It has been some time since I wrote on here but they are still chasing me. One year later! However, things have changed a little. After sending my CCA request to AIC I followed it up with my in dispute letter. They were still persistant for a few weeks, then all was quiet for about three months. I then got a call from Wescott. Another bunch of maggots that seemed determined. I had several threats from them until I told them all my calls were recorded. They then started sending letters threatening legal action and doorstep visits etc. Both Allied and Wescott also claim that this so called debt is a joint account between myself and a Mrs Askell. I have never heard of this woman before! However, I don't know if it was necessary but I sent a CCA request to Wescott with a £1 postal order as I did with AIC. The letter was returned to me with a letter stating that it was not their responsibility to provide that information and that I should apply to NAT West Bank. I then followed it up with a dispute letter. All went quiet for another three months and now I have ANOTHER debt collection agency phoning me. They also leave messages on my answerphone for Mrs Askell. The agency I refer to is : Robinson Way Limited. I spoke to them on the phone and asked if Wescott had passed my file on to them. They said no. What do I do now? Do I send a CCA request to these people or ignore them? Can you help please.

It has been some time since I wrote on here but they are still chasing me. One year later! However, things have changed a little. After sending my CCA request to AIC I followed it up with my in dispute letter. They were still persistant for a few weeks, then all was quiet for about three months. I then got a call from Wescott. Another bunch of maggots that seemed determined. I had several threats from them until I told them all my calls were recorded. They then started sending letters threatening legal action and doorstep visits etc. Both Allied and Wescott also claim that this so called debt is a joint account between myself and a Mrs Askell. I have never heard of this woman before! However, I don't know if it was necessary but I sent a CCA request to Wescott with a £1 postal order as I did with AIC. The letter was returned to me with a letter stating that it was not their responsibility to provide that information and that I should apply to NAT West Bank. I then followed it up with a dispute letter. All went quiet for another three months and now I have ANOTHER debt collection agency phoning me. They also leave messages on my answerphone for Mrs Askell. The agency I refer to is : Robinson Way Limited. I spoke to them on the phone and asked if Wescott had passed my file on to them. They said no. What do I do now? Do I send a CCA request to these people or ignore them? Can you help please.

They are getting stroppy now. They phone every day and are sending letters threatening doorstop visits and court action. The letter I received today states that they are contacting natwest bank to verify that the debt is owed by me. What should I do now?

Wescott phoned today. I picked up the phone. They asked if they was speaking to me and I said yes. They said that they needed to identify me to them so I said "hang on a mo and I will look in the mirror" I then said "yes, that's me". They wasn't amused. The guy then asked me my date of birth and I told him that I was not going to give any personal information over the phone. He said that the information he had for me was important. I again told him that I was not prepared to give any personal information to him. He hung up. What is their next course of action? Will they send letters or will they turn up at my house? After following the advice on here and dealing with AIC I feel confident but a little uncertain as to what will happen next.

Well . . . . . it has been some time now and AIC have left me alone. Until this morning. I got a phone call around 8.00am. My answer phone kicked in and I received a message from Wescott debt collection asking me to contact them. I haven't called them but can only assume that AIC has passed the debt on to them. Can anyone give me any advice as to my next course of action. They will probably try to make contact soon. Do I have to go through the same course of action as I did with AIC? Do I need to send these people a CCA request also? How long can this procedure of passing the account from one collector to another? Any help will be appreciated please.

The recorded messages are still coming. Every two or three days I get a phone call - a recorded message saying "please call Mr watson immediately as a matter of urgency". I ignore the calls and just put the phone down. Is this harrassment? Can I put a stop to it or do I just continue to ignore them until they get the message?

In dispute letter was received by AIC on the 23rd December 2010 Today (30th Dec) I received the following letter,conveniently dated 20th Dec. Allied International Credit 20 December 2010 CLIENT NAME : NATWEST BANK PLC OUTSTANDING BALANCE : £10,832 .79 As your above account remains unpaid, Allied International Credit (UK) Limited (AIC) are currently reviewing your file within our Collection Department to consider if further action is warranted. The immediate options available to you are as follows : 1. Make a one off full and final settlement payment to your account. Please call the number below to discuss the discount options. Further to your submission of the agreed payment, neither we nor our client will pursue you further in regards to the above account. 2. Submit a down payment of £2,708.20 (25% of the balance), then repay the remaining balance at £169.26 per month (remaining balance paid over 48 months) 3. Repay the balance at an amount of £300.91 per month (remaining balance paid over 36 months) Please note any subsequent late payment or default of any of the above options may result in any settlement or repayment offer being withdrawn. Alternatively if you are unable to propose any of the above options please call to discuss your account. Failure to contact us immediately on the telephone number below to discuss your account may result in a recommendation to our Client that proceedings should be initiated against you. Yours sincerely, Mr. R Watson Debt Collection Department Tel : 0141 2283008 What should I do next? Should I ignore this letter? I received a recorded telephone call today instructing me to call them urgently. I ignored the call.

In-dispute letter sent today. Express delivery which means that it has to be signed for and I also have it tracked I must admit that I feel more confident now with regards to handling this situation. I got another phone call today from AIC. A recorded message instructing me to phone immediately. Needless to say, I ignored the call. I will keep you posted.

Thank you for quick reply. You are very well informed. Should I send this now or wait until the end of the 12 working days.

Thanks for your advice. The original loan was taken out in 1981. Almost 30 years ago. Is there a sort of template for an "in dispute" letter? Also, I'm told that if I don't receive a copy of the CCA within the time specified, I can dispute the debt.

I have been paying regular monthly payments to Natwest up until two weeks ago when I received a letter saying the debt had been passed on to AIC. I haven't missed any payments, although Natwest decided that my monthly payment of £25 wasn't enough. Both my name and my ex wifes name was on the account even though she seems to be exempt. Now AIC tell me that the account is in my name only. I asked Natwest why they have passed the debt on and they informed me that they have no records of the account and that I must talk to AIC. AIC phoned me again today demanding money. I told them that I hadn't received a copy of the agreement yet and that anything they had to say is to be put in writing. They asked why? They then said that the copy of the agreement was sent to me on the 10th December. That is the same day that they received my letter asking for the document! Am I right to refuse payment until I get a copy of the original agreement? I am told that they have 12 working days to produce this.

Twenty years ago, my wife and myself took out a joint business loan with Natwest Bank. The business suffered badly and the bank offered us another loan to pay off the overdraft. Unfortunately we couldn't afford the monthly payments. The business closed and I continued (up until this day) working from home. In 1995 I got divorced and for some reason unknown to me, the bank chased me for the payments. They would not tell me why my ex wife was suddenly exempt! Data protection act! About two weeks ago, the debt was passed on to Allied International Credit in Glasgow. I have had a few phone calls of a threatening nature demanding the amount payable. Last week they offered me three options to pay. I asked them to put it in writing. They refused saying that they didn't need to as I had written down what they had said. I then sent them a letter requesting a CCA. I enclosed a £1 postal order. The letter was typed, so there was my name on the bottom, but no signature. The letter was received by them on the 10th October. I had it tracked. Copy of the letter : Allied International Credit (UK) Limited Anderston House 389 Argyle Street Glasgow G2 8LR Thursday 9th December 2010 Re : Account / Reference No : ????? Dear Sirs, With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement. I understand that under the consumer credit act 1974 (sections 77-79) I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the consumer credit act. I understand that a copy of my credit agreement should be supplied within twelve working days. I understand that under the consumer credit act creditors are unable to force an agreement if they fail to comply with a request for a copy of the agreement under these sections of the act. I look forward to hearing from you. Yours faithfully, This morning ( 20th Dec ) I received a reply. They also returned my postal order. Their reply : Re : Natwest Bank Plc – Allied International Credit (UK) Ltd – Thank you for your recent letter. As we are currently acting on behalf of Natwest Bank Plc in respect of recovering the outstanding debt on this account, we are unable to comply with your request. Such requests need to be addressed to the legal owners of the product, which in this case is Natwest Bank Plc. To enable them to provide the documentation you have requested you should contact the bank directly by writing to : The Royal Bank of Scotland Kendal Court Ironmasters Way Telford TF3 4DT You will also need to provide them with the sort code and account number and enclose a piece of photographic identity with an original signature. Please ensure this is accompanied by a payment of £1.00 (cheque or postal order made payable to the client name as stated above) Yours sincerely A.Todd Allied International Credit Tel : 0141 226 3111 I need some advice as to what to do next. I didn't know that Natwest and RBS were related. Any help would be appreciated.

Can someone help me. Not sure if I am posting this in the right place, but here goes . . . . . Twenty years ago, my wife and myself took out a joint business loan with Natwest Bank. The business suffered badly and the bank offered us another loan to pay off the overdraft. Unfortunately we couldn't afford the monthly payments. The business closed and I continued (up until this day) working from home. In 1995 I got divorced and for some reason unknown to me, the bank chased me for the payments. They would not tell me why my ex wife was suddenly exempt! Data protection act! About two weeks ago, the debt was passed on to Allied International Credit in Glasgow. I have had a few phone calls of a threatening nature demanding the amount payable. Last week they offered me three options to pay. I asked them to put it in writing. They refused saying that they didn't need to as I had written down what they had said. I then sent them a letter requesting a CCA. I enclosed a £1 postal order. The letter was typed, so there was my name on the bottom, but no signature. The letter was received by them on the 10th October. I had it tracked. Copy of the letter : Allied International Credit (UK) Limited Anderston House 389 Argyle Street Glasgow G2 8LR Thursday 9th December 2010 Re : Account / Reference No : ????? Dear Sirs, With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement. I understand that under the consumer credit act 1974 (sections 77-79) I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the consumer credit act. I understand that a copy of my credit agreement should be supplied within twelve working days. I understand that under the consumer credit act creditors are unable to force an agreement if they fail to comply with a request for a copy of the agreement under these sections of the act. I look forward to hearing from you. Yours faithfully, This morning ( 20th Dec ) I received a reply. They also returned my postal order. Their reply : Re : Natwest Bank Plc – Allied International Credit (UK) Ltd – Thank you for your recent letter. As we are currently acting on behalf of Natwest Bank Plc in respect of recovering the outstanding debt on this account, we are unable to comply with your request. Such requests need to be addressed to the legal owners of the product, which in this case is Natwest Bank Plc. To enable them to provide the documentation you have requested you should contact the bank directly by writing to : The Royal Bank of Scotland Kendal Court Ironmasters Way Telford TF3 4DT You will also need to provide them with the sort code and account number and enclose a piece of photographic identity with an original signature. Please ensure this is accompanied by a payment of £1.00 (cheque or postal order made payable to the client name as stated above) Yours sincerely A.Todd Allied International Credit Tel : 0141 226 3111 I wasn't aware that Natwest and RBS were related. However, any help would be appreciated.