allied international

[Desperate Daniella]

AIC are absolutely wicked. Don't pay them anything.

 

They so frightened me last October - bankruptcy, bailiffs, charging orders, all lies - that I seriously considered driving my car into the river. It was only that I couldn't leave my very young daughter to wake up alone that stopped me.

 

I am so, so grateful that I found CAG and I thank God every day for that. I know that there are people out there who haven't found CAG and will be crying, desperate and suicidal tonight due to these absolute bast***s.

 

You will get all the help you need here - and just like any bullies they will run off when you stand up to them.

 

DDxx

[Bazooka Boo]

AIC are absolutely wicked. Don't pay them anything.

They so frightened me last October - bankruptcy, bailiffs, charging orders, all lies - that I seriously considered driving my car into the river

 

I do hope it wasn't a decent car?

And just think of all of that pollution that you would have caused to those poor fishes!

 

In fact stuff the fish, I'm more concerned about the car, typical woman, no thought for mens pride and joy, my mother parked her new two week old Toyota Avensis in next doors house last week!

 

She definitely won't hear the last of that:D:D

[babybear39]

AIC are absolutely wicked. Don't pay them anything.

 

They so frightened me last October - bankruptcy, bailiffs, charging orders, all lies - that I seriously considered driving my car into the river. It was only that I couldn't leave my very young daughter to wake up alone that stopped me.

 

I am so, so grateful that I found CAG and I thank God every day for that. I know that there are people out there who haven't found CAG and will be crying, desperate and suicidal tonight due to these absolute bast***s.

 

You will get all the help you need here - and just like any bullies they will run off when you stand up to them.

 

DDxx

 

DD please remember that there are thousands of us working here for you and yours

 

Make sure you come here before listening to any idiot OC/DCA

[Desperate Daniella]

It was a new car - once, a very long time ago. It's still the only one I've got. :D

 

If it had been a halfway decent car last October I'd have probably flogged it for about half the retail value just to get the *******s off my back - and that of course would have been absolutely the wrong thing to do.

 

Of course it's easy with hindsight to realize what powerless scumbags they are, but without CAG and knowledge you just don't know that.

[Desperate Daniella]

Thanks, Babybear, I know that now and am very confident about telling them all to sod off now, but the education I have received here is second to none. I wouldn't have believed how much I could learn here.

 

I can now drive them so mad on the phone by quoting CCA, regs, and more, that I don't even mind speaking to them any more, but that's down to CAG and the encouragement and friendship you get here - and of course when you arrive here, often in a terrible state of shock, you can't imagine that you'll find anything to make you laugh, but you do - especially your underwear thread. .

 

Thank you. Big hug,

 

DDxx

[babybear39]

Make sure you record their calls and I will be reviving my underwear thread as I post

[2Grumpy]

This website should be required reading for OFT minions before renewing credit licences

[phil_nottingham]

AIC muppets try and make themselves really big by calling themselves MR davies rather then using thier first name.

[happy hippy]

Thank you all for the replies. you have actually made me smile , thought i'd forgotten how to do that. and thank you daniella, you sound like you used to feel exactly how i've been feeling and again, it's only been my daughter thats kept me going. none of this would have happened if my mother had not been so ill at the end of last year when aic first got in touch with me, i was so worried about her i think i would have jumped off a cliff if aic had told me to, i was almost catatonic with stress, then my mum died so again i was away with the fairies. i was always quite a strong minded person but all this on top of each other really threw me. then on saturday while food shopping, something snapped, i was adding up as i went along and realised that i could not afford a jar of coffee!! it was a choice, coffee or cat food, couldn't have both so bought the cat food and sort of came back to myself. its not a way to live!! thats when i started looking around for some help and found you guys. Sooo glad!!! i had the best nights sleep once i'd mase up my mind to stand up to them, its like a big boulder has been lifted off me, no matter what happens now at least i'm doing something to stand up for myself. "I'm Back" . Thank you all so much.

[Desperate Daniella]

Hi HH,

 

When I was absolutely at rock bottom I would lie in bed knowing that there must be people who were going through exactly the same as me, but I didn't know where to find them. I know what you mean about the coffee - I once had exactly £1.73 in my purse (pennies from my daughter's moneybox) and needed petrol to get home. I only let it run to £1.71 because I didn't dare go further in case it went to £1.74.

 

And I've gone without coffee - which I really need in the morning - to feed the cats. Having to go round the supermarket counting the pennies as you go is no fun.

 

Most people here are here because of circumstances in their lives which they really could not have anticipated - death, divorce, redundancy, incapacity, and sometimes more than one at the same time.

 

I found this site after I googled "unenforceable credit agreements" and just like you when I realized there was help I slept for the first time in weeks.

 

I always respond to any AIC threads and say exactly what they did because it's really important for people to know that someone understands.

 

I never thought I'd laugh but there are some silly threads in the Bear Garden which have had me falling about with laughter sometimes on very bad days. Babybear's knicker alert had me cracking up at the thought of all the guys checking in the morning to see whether it was pink satin or black lace. I bet she brightened a lot of guys' days - and apparently is about to do so again.

 

Ask for whatever help you need, and just scream in frustration if you want to.

 

Big hug,

 

Daniella xx

[F_DCAs]

If I see AIC put right out of business, I shall be a content man. If LTSB goes with them, I'l be ecstatic.

[babybear39]

If I see AIC put right out of business, I shall be a content man. If LTSB goes with them, I'l be ecstatic.

 

LTSB, **** and 1st crud would do it for me

[landy_alert]

If I see AIC put right out of business, I shall be a content man. If LTSB goes with them, I'l be ecstatic.

 

Me too - well, a content woman - in fact in the light of all this talk about knickers........if LTSB go out of business I'll walk round the block in mine and very little else. On second thoughts, where we live there's such an elderly population I might kill a few off, so I'd better not:lol:

[Dorabell]

:lol:

[happy hippy]

Hi everyone. An update on how things are going. I sent off for the subject access to Nat West and received a letter back telling me that they have 40 days to comply. I also sent a letter to Allied asking for the CCA thing and enclosing a £1 postal order. Their reply was that they could not comply with this as they are acting on behalf of Nat West in respect of recovering this debt but Nat West are the legal owners of the product so I have to ask them instead.

I'm not really sure what this means, i did not know that nat west still owned the debt even so i need to know if i have to ask them for this CCA or if it will be included in the SAR.

Anyway, if like it says Allied do not own this debt does that mean that they cannot make me bancrupt? and what happens now? Do I just wait and see who gets in touch with me to see what they say?

I have written a letter of complaint to Nat West customer services about the way i was treated, i should have done that a while ago i suppose but was not up to it then. Please let me know what happens next.

[Huff&Puff]

What it means is that they are a complete bunch of idiots, who either don't understand the law, or are trying to baffle you with bullshine. Never mind though, once the 14 working days are up, you can send them the "in dispute" letter. Then that will give you an absolute defence against any legal action that they try and take.

[Pinky69]

They cannot do anything never mind bankrupt you. They must get a copy of the CCA from Natwest for you as Natwest's collection agents. Another prize idiot performance from AIC.

[Desperate Daniella]

The CCA should be included in the SAR - if they have it, and probably won't be if they don't want you to see it.

 

Allied International can't make you or anyone else bankrupt. This is their standard wicked baloney.

 

Just wait and see what arrives from NatWest.

 

DD

[babybear39]

AIC are obliged by law in particular the UCPD which is part of the CPUTR 2008. Report them and nasty west to TS and the OFT!

[happy hippy]

Hi, have waited two weeks now as Huff&Puff said and have heard nothing from allied about the cca. is this the time to send a "in dispute" letter then? and if so, what exactly is it? Thanks to everyone for their help so far, you've all been great

[Pinky69]

Remember it's 14 working days - weekends don't count. Here is the letter:

 

Failiure to provide a copy of the agreement within the prescribed timescale

[happy hippy]

Hi everyone, its time to send the in dispute letter for sure now but do i send it to allied or nat west? have not had reply from nat west for the subject access request yet except letter saying they have the 40 days to send it in.

[Pinky69]

Send it to Allied as Natwest's agents.

[happy hippy]

Hi everyone, update for today. I have received 3 letters today, 2 from Nat West and 1 from Allied. The Allied letter says that the account has been closed and returned to Nat West on 15/9/09, which is strange because I had a letter from nw complaints dept at the end of last week saying that i should get in touch with allied as they are still dealing with account!! Have received subject access letter too although i have no idea what any of it means and have also received the data protection, whole sheaves of non-understandable stuff. The one line that does intrigue me is "we have been unable to locate the signed agreement". Does this mean that the debt is not valid? If so, what do I do now? Any help very appreciated as always. Thanks

[Bazooka Boo]

They are in breach of the OFT's Debt Collection Guidelines for starters, misleading tactics by telling you it is with a AIC and then AIC saying it is with them?????

 

However I would always deal with the OC, Natwest rather than AIC anyhow, as AIC are nothing more than bullies.

 

The SAR you have received should contain the entire history of your account with NW, which is why it probably doesn't mean anything to you and there is reams of the stuff..

Amongst all the paperwork they sent you will be/should be a complete list of your bank statements and these will show you if there were any charges added to your account, ie, overdrawn, bounced cheques, missed payments etc etc, you should claim these back from NW, so if there are any put your claim in with them now.

 

Is the line about not being able to find your signed agreement in a seperate letter which NW sent you??

Or is it amongst the SAR response??

 

Have NW replied to your CCA request?

If they are out of time, then did you send them the dispute letter??