Allied International Credit

[jayniebee81]

After reading all the other posts on this company I only wished I googled them before!

 

I had a stressful encounter with AIC two months ago where they demanded I pay them £1700 for a bank overdraft from an old RBS account - after arguing with the lady on the phone for over an hour - she relented from only accepting the full amount, to a first installment of £200, and £40 monthly installments there after.

 

So i was suprised to have an "urgent" voicemail on my mobile yesterday asking to call them back re my account - since ive been paying them the monthly amount. I called them back and left a message - and not heard back since.

 

Just wondering where I stand, is it worth me sending in the CCA letter ive seen on other threads even though i've started paying them money back? Do i stop paying them back til i recieve the CCA?

 

And should i now insisit (if and when) they do call me back that I want all future correspondance in writing.

 

Also they are taking the money off my debit card every month - so how on earth do i stop them debiting my card every month? Im worried i can stop paying them even if its in dispute!

 

Help!

 

Jayne

[spamheed]

After reading all the other posts on this company I only wished I googled them before!

 

I had a stressful encounter with AIC two months ago where they demanded I pay them £1700 for a bank overdraft from an old RBS account - after arguing with the lady on the phone for over an hour - she relented from only accepting the full amount, to a first installment of £200, and £40 monthly installments there after.

 

So i was suprised to have an "urgent" voicemail on my mobile yesterday asking to call them back re my account - since ive been paying them the monthly amount. I called them back and left a message - and not heard back since.

 

Just wondering where I stand, is it worth me sending in the CCA letter ive seen on other threads even though i've started paying them money back? Do i stop paying them back til i recieve the CCA? If they havent yet proven that they have a right to collect the debt, then it is not too late to submit a CCA request

 

And should i now insisit (if and when) they do call me back that I want all future correspondance in writing. This is always a good idea, it takes a lot of their weapons away from them, as they are loathe to put the meaningless threats they make against you in writing

 

Also they are taking the money off my debit card every month - so how on earth do i stop them debiting my card every month? Im worried i can stop paying them even if its in dispute! You would need to contact your bank to replace your card on the basis that you suspect illegal transactions may be made against it

 

Help!

 

Jayne

 

 

Submit the CCA, send it recorded and don't sign anything. they then have 12 working days (pus two for service/postage) at this point, if they havent provided you with anything resembling a CCA, you can legally withold payments. if the default exists for a further 30 calendar days, then they will have committed an offence.

 

retain copies of all communications and proofs of posting/delivery (proof of delivery can be obtained from Royal Mail website

 

the first step is, send off the CCA, then post any replies/responses on here and we'll see what happens then.

 

If you feel that this has been helpful, please feel free to tip the scales

[jayniebee81]

Thanks! Very helpful, letter written and being posted by recorded delivery today!

[42man]

Overdrafts aren't subject to CCA rules.....it might be best to send a Subject Access Request to the original creditor to reclaim the excessive charges + 8% compounded interest.......

[jayniebee81]

Overdrafts aren't subject to CCA rules.....it might be best to send a Subject Access Request to the original creditor to reclaim the excessive charges + 8% compounded interest.......

 

 

So i'll hang fire on the CCA letter, Whats a subject Access Request? I already have a claim in with the RBS for unfair/unlawful bank charges and interest amounting to just shy of £3000 but thats on hold at the moment.

 

Is that what your reffering to with exessive charges??

[nicklea]

Yes it is, and if you've got a claim for £3k against them then I would suggest just let them take you to court!

 

You have an outstanding court case that is for more than the amount they are claiming from you. You would just need to request that the two claims be joined together as they both relate to the same account.

 

Any claim against you then can't proceed until the OFT case is finished