allied international credit

[AIC all the way]

Hi people, had a great weekend with my Husband and Daughter, its nice to see you are all showing an interest in mehow was your weekends?

[cockneydruid]

Hi all

 

My partner has also recieved a yellow card demanding payment of £1631.50 for a load he has outstanding with Black Horse (Lloyds) left over from the break up of his previous long-standing relationship. Last month he arranged with Black Horse to pay £70 per month to which they sent him a paying in book and the first payment was made on time as agreed. He received a letter from them yesterday informing him that there was an overdue payment of £10 required, but no details as to what this was payment for. He phoned Black Horse to enquire and sort it out only to be told that his loan account was now being handled by Allied International Credit UK Ltd and that he would need to speak to them. No information was given as to what this extra £10 was for and Black Horse refused to discuss anything further.

 

My partner then phoned AIC and was told that Black Horse had cancelled the agreement which was now null and void. My partner has had no notification from Black Horse as to the cancellation of the agreement and was given no reasons for it. The guy at AIC even said he had no idea what the £10 payment request was for. he said that my partner had to pay the entire sum by 5pm tomorrow or face court proceedings and the possibility of the bailiff coming to seize his van. He explained that if they did that he could not work, but I don't think it made any difference. He also explained that he doesn't have that sort of money available in a lump sum and asked if there was some sort of arrangement that could be made to which the reply was that Black Horse want their money and so the full sum is payable and non-negotiable.

 

To this end, we are unsure what we can do next. any suggestions?

[Desperate Daniella]

Hi cockneydruid,

 

Welcome to CAG.

 

There are a lot of Allied International threads and if you have a look through you'll see that AIC have one of the worst reputations out there. However, despite their threats many caggers have survived. And not paid them a thing. :D

 

Your partner does not have to pay them that money by 5.00 p.m. tomorrow.

 

He should go back to Black Horse and say that AIC have not been able to inform him about the £10 and ask why the account was sold when he had honoured his agreement with them.

 

(Unfortunately banks often do this kind of stuff because someone decides they'll get a lump sum from a DCA who'll buy it for about 10p in the £1 and then bully for the whole amount - you'll see some posts about their tactics from one of their debt collectors above, but don't let those worry you. )

 

When was this loan taken out? Was it in just your partner's name or in joint names with his previous partner?

 

The first thing to do is ask for a copy of that agreement and he will need to send £1 to Blackhorse with a simple letter asking for a copy of the alleged credit agreement relating to that loan. There is a template letter on the site.

 

He can then tell AIC he has written to Black Horse asking for a copy of the agreement and if they have anything else to say they must put it in writing, and he will not discuss anything further on the phone with them. They do not like putting their threats in writing.

 

IF AIC were to take him to Court, which is highly unlikely, there is no way a judge would make him pay more than he can afford to pay. He would complete an income and expenditure form (which he is not obliged to provide to AIC) and he would say that he could pay the outstanding debt at xx per month which would be affordable - could be less than £70. Only a judge could order a bailiff to seize the van, and why would they do that if it meant your partner wouldn't be able to work at all? It would reflect favourably on your partner that he had made an arrangement and stuck by it, so in his position I would just continue using the paying in book and making those £70 payments on time.

 

AIC will try and bully your partner into borrowing from someone else to pay them. He is not obliged to do this, so don't let them bully you. As you'll see from their debt collector above, AIC all the way, it's them or you and they will say almost anything to get your money.

 

Anyway, let us know about the loan and we'll see where to go from there.

 

DDx

[cockneydruid]

Hi Danielle,

 

Thanks for your prompt reply, the loan was taken out in June 2007 (approx) and it was in my partner's name with his ex partner as guarantor, (which seems a bit of an irony seeing as she could not get the loan herselfpreviously due to bad credit ?)

 

When he spoke to the AIC guy yesterday he was fine to begin with, then turned suddenly suggesting that my partner basically get off the phone and start asking around friends and family for the money. He also asked if he had ever had a bailiff visit, owed money to people before and started asking if he owned a vehicle and what type etc and said how would you feel if they took the van away from you?

 

It was all very upsetting understandably,

 

As far as the £10 overdue payment goes, my partner had a statement through from Black Horse showing a load of charges that didn't make sense and he got no reply at all each time he tried to contact them.... maybe this is something to do with that, but there is no indication of what it is for on the letter. The statement arrived after his first payment had been made - even though he had been told that the £70 pm was all he needed to pay.

 

confused? us too

[cockneydruid]

Also, you suggest he keep making the payments to Black Horse each month as usual... if they have sold the account on to AIC, would he not have to re-negotiate the agreement with them? Sorry to be so naive, but we hve not been faced with this before

[Desperate Daniella]

Hi,

 

If she is guaranteeing it, why aren't they chasing her? Was it an amicable break-up and he is okay with repaying it because it was really all for him, or not? If not, maybe she could be asked to contribute.

 

Just stop speaking to AIC and if they ring again just tell them to put everything in writing. NEVER give them any information about your assets, or any personal information at all. They will threaten everything if you say you won't speak to them. Just ignore that.

 

When AIC don't get anywhere they'll send you back to Black Horse so just keep making the payments to them. In any case at the moment you have no proof that the debt has been sold to them, or if they are just trying to collect for Black Horse. DCAs will tell you anything to get your money.

[cockneydruid]

Again thanks for that.

 

My partner spoke to Black Horseand they said the account had been passed on to another agency and as such they were not allowed to discuss any of the financial aspects now that it had been passed on. They did however agree to send my partner a copy of the credit agreement and he is now informing AIC of that fact and that he no longer wishes to speak to them on the phone, but will correspond in print as advised

 

Sadly the break up was a spiteful one and solicitors were involved. He is not really ok with paying it all back himself but sadly it appears that that was the agreement or else she would stop paying the mortgage that they are both tied to and cause further misery... sadly she has really done a number on my partner and came out with the house and shiny new windows that he is now having all this aggro over There is no contact with her and she would do nothing to help alleviate the situation so sadly my partner is stuck with it

[Desperate Daniella]

The problem with AIC is they tell you they won't accept instalments. All or nothing, or threats.

 

If I have ever been late on anything that I have wanted to pay and have been chased by a DCA I have always ignored the DCA and paid the balance to the original creditor, so he'll be okay to keep on paying Black Horse.

 

If you have had no proof in writing that the debt has been sold or assigned to AIC you shouldn't be paying them.

 

Look at the 2007 agreement and check out exactly what it says about late payments, charges and so on.

 

I'm sorry your partner has had such a rough time with his ex.

 

DDx

[cockneydruid]

Thanks so much for your help hun x

[AIC all the way]

as far as us asking about bailifs, if u have a vehicle and stuff well that is part of the income and expenditure form we need to do which is mandatory to set up any repays

[Desperate Daniella]

There are rules on this site and referring to other posters as "scumbags" is not acceptable.

[Desperate Daniella]

If you decide to enter into a repayment plan with AIC or another DCA or creditor you may wish to give them details of your income and expenditure. Until then you are not obliged to give details of your finances or assets to anyone unless ordered to do so by a judge.

[AIC all the way]

must admit last month was a good month for bonus, think i will treat myself

[skintandfat]

must admit last month was a good month for bonus, think i will treat myself

 

Glad you won't be treating yourself from my cash- I have stopped paying MBNA / AIC as they have not responded to both my information letters

 

I ain't paying money to somoene who claims to be acting on MBNA's behalf- MBNA can't even tell me who they have passed the debt on to

[AIC all the way]

Glad you won't be treating yourself from my cash- I have stopped paying MBNA / AIC as they have not responded to both my information letters

 

I ain't paying money to somoene who claims to be acting on MBNA's behalf- MBNA can't even tell me who they have passed the debt on to

 

 

whats your ref number and i will check ur acount for you?

[Desperate Daniella]

It's been raining so much recently I expect skintandfat came down in the last shower.

 

Hi Guests.

[skintandfat]

whats your ref number and i will check ur acount for you?

 

You're missing the point- MBNA have not told me to give the money I owe them to AIC, in fact they can't tell me who they have passed it on to.

 

So, would you divulge financially sensetive details to someone who claims they are acting on behalf of the original creditor?

 

AIC can't give me proof they have been authorised by MBNA, and MBNA don't have a clue.

[Desperate Daniella]

I have questions for you, AICatw.

 

When you take these accounts from an original alleged creditor, do they give you any proof that the debts are actually owed? What proof do you have in front of you before you start demanding money?

 

Also if you are asked for a proof of the debt and cannot provide it and you have been sent a £1 postal order, do you always return it?

[PGH7447]

Damn how have I missed playing with this troll, memo to myself must pay more attention to dca fools and morons who visit the cag to boast how clever they think they are:D

[Desperate Daniella]

Sorry, I probably should have put out a troll alert.

 

I can't remember if she comes on at weekends though. I think it's only during working hours. At the weekends she goes out on the spending sprees with all the loot.

[PGH7447]

At the weekends she goes out on the spending sprees with all the loot.

 

I bet she does:rolleyes:

 

More likely to be out job hunting or visiting social networking sites becuse she has no real friends, I mean in a job like that who would want to be a friend:)

[Desperate Daniella]

AIC is probably the kind of place where they are friends with their workmates. Most people, regardless of whether or not they are struggling or very comfortable financially, would not want to be friends with a debt collector.

 

If you went to a party, or supper, with normal people I don't think most right-minded people would want to hear about how many old ladies were bullied out of their pension, how many people gave their child allowance, and so on, so I can only imagine they socialise with their workmates who would think that these were great results.

[dublin_in_debt]

Hi all

 

I am from Dublin Ireland, and recently been harrassed by AIC. They have rang my dad at home putting the fright into him and then he gets onto me.

 

Then when I called them they demanded full payment of a 2250 euro debt, from and ulster bank credit card. They offered me a discount of 250 euro if i paid immidiately.

 

I am just about to send a CCA request, but I have a couple of questions and apologies of these have been answered but I cant seem to find them.

 

1) Am I covered by the same law even though I am from ireland, i.e. does the 1974 law apply to the costumer (me) or the institution (them)

2) If I send them a CCA request with a £1 PO, does it have to be registered post? Cant they say they 'lost' or didnt receive my request, if I send regular post?

 

Anyways many thanks and feedback really appreciated

[Desperate Daniella]

Hi Dublin, and welcome to CAG!

 

I don't know the answer to your question about Ireland and whether the CCA 1974 is the same there, but I'm sure someone will advise you soon.

 

You'll probably find the answer if and when you receive a copy of the agreement. Somewhere it should say, "Governed by the law of England and Wales" if it's compliant with UK Law. Otherwise they'll probably be some reference to Eire.

 

Where were you living when you took the credit card out? If it was in the UK it's probably issued under UK law.

 

As far as the CCA request goes I would send it by recorded delivery. It's cheaper than registered post and you can still check whether it was delivered to them.

 

DD

[dublin_in_debt]

Thanks a million.

 

I took the card out in Dublin from Ulsterbank, about 13/14 years ago.

 

I have paid it off so many times, its insane, but recently I lost my job and I am on benifits now. Until now I was paying them an amount that I agreed, but obviously I cant anymore.

 

I have tried resoning with them but they wont budge.

 

I know that if they took me to court a judge would not do anything to me as I have no means to pay them, and I have tried to agree even a small amount from my benifits with them each week, but they come across as bullies.

 

I was looking at their web site, and got on to the jobs page. They are advertising constantly for 'over the fone' debt collectors, so just to annoy them I sent in my CV, tongue in cheek like, and I urge everyone who is harrassed to do the same. I even wrote in my cover letter, that I would work for food!

 

Anyway thanks a million again