allied international

[Bazooka Boo]

Hello and welcome to CAG, the fight back starts here:D

 

Firstly is the amount they allege you owe above £750??

I am assuming it is with a £300 a month payment.

 

Have you still got the Yellow card AIC sent you?

 

First and foremost DO NOT, under any circumstances, SPEAK TO THEM OVER THE PHONE.

As you have already found out, they are a very agressive uneducated bunch of bullys, who will say anything to get you to pay.

 

Just seen Pinky has posted the questions I was going to ask, so I will let you answer them before giving further advice.

 

 

Boo;)

[Bazooka Boo]

OK Firstly, this IS NOT A PRIORITY DEBT, so please make sure you pay your rent, council tax, and utility bills FIRST!!

 

So you had a loan and an overdraft with Natwest??

 

And now AIC have combined them both???

If they have this is not allowed as they are two completely seperate debts, and come under different laws..

 

If you can't afford to pay them £300 a month then IMHO you must stop paying them, and bring it down to an amount you can comfortably afford, even if that is just £1 a month, it is still something and still shows willing in a court of law.

 

If you continue not to pay your rent, you will be homeless, and if you do not pay your council tax you will end up in jail. These jokers are not a priority by any stretch of the imagination, stop paying them £300 a month or you will lose the roof over your head and end up in jail.

 

Have a read:Which debts to pay off first : Directgov - Money, tax and benefits

Edited August 31, 2009 by Bazooka Boo

[Bazooka Boo]

i am due to make a payment so i know that i will get a call from allied soon. If i make a lower offer of payment, he will refuse so

If they ring, just tell them 'everything in writing' then put the phone down, do'nt entertain them on the phone, they simply tell you a pack of lies.

 

Please make sure you pay your rent and council tax first, and if need be catch up on any missed rent/council tax payments.

 

As you can see AIC do not have your interest at heart, they couldn't care lees if you lost the roof over your head, or were put in jail for none payment of council tax.

 

I would strongly advise you to only pay them what you can aford, which is why you must not talk to them over the phone they are already in breach of the OFT debt collection guidelines and CPUTR 2008 by making you get into further debt to pay them.

 

Have a read of all the other links people have posted, and the OFT debt collection Guidlines

 

Here is the address you need to make a formal complaint about themThe Office of Fair Trading: Contact us

 

The Office of Fair Trading: Consumer Protection from Unfair Trading Regulations 2008

 

Consumer Direct

 

Complaints - Privacy & electronic communication - ICO

[Bazooka Boo]

**F DCA's makes BB look up 'apathetical' in the dictionary:D**(every day is a school day;))

 

If you make a complaint to Consumer direct they will automatically pass the complaint onto TS, and they also work along side the OFT, so you pretty much get three for one!

[Bazooka Boo]

I had to look it up too

Apathy - Wikipedia, the free encyclopedia

 

**BB Laughs at BB**

[Bazooka Boo]

Yes, at the point he tried to intimidate you and make him sound big, you should have just laughed at him,"ooohh! Upstairs hey, mind you don't trip over the ones sat on the naughty step"

 

What a clown...if they ring again, every answer you give them should be "Everything in writing"

Keep repeating it to any of their ridiculous questions, failing that just put the phone down on them!

[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

[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??

[Bazooka Boo]

I sent the cca letter to allied, they returned it saying nat west have to deal with it. do i send it to nat west now?

 

Incorrect, incompetent fools!

 

So do you know who is chasing it now, NW or AIC?

 

Either way send who ever it is chasing for payment the account in dispute letter, in fact thinking about it, you asked AIC andthey should have informed NW for the agreement and failed to do so, so IMO I would send AIC the account in dispute letter, as they have failed to provide the agreement, then when/if they pass it back to NW they should inform NW, so that NW is unable to pursue any further collections activity which includes selling it on to another DCA and trashing your redit file.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

Send the incompetent fools at AIC that, recorded.

[Bazooka Boo]

9 phone calls hey!

 

A definite breach of the Protection from Harassment Act,

and the Telecommunications Act.

 

A short sharp and swift shot across their bows is what is needed.

 

Send them the Telephone Harassment Letter and make an immediate complaint to;

Ofcom

 

And Trading Standards Via:Consumer Direct

 

Boo:wink:

[Bazooka Boo]

I have just received a yellow card from Allied International.

 

Was it in an envelope or are they still sending them out with Mr Dickey' name on and a 'Warning' with the outstanding balance for all and sundry to read??

 

The Office of Fair Trading: Contact us

[Bazooka Boo]

Huff&Puff that is so defeatest!!

 

There is stacks you can do to stop them ringing, it just takes the right tool for the job that's all....

 

Administration of Justice Act 1970 (c.31)

 

Protection from Harassment Act 1997 (c. 40)

 

Now, any breach of both the above Acts is a criminal offence, the Admin of Justice Act makes it a criminal offence for a creditor or their Agent (DCA) to make demands for money which are aimed at causing 'alarm, distress or humiliation, because of their frequency, publicity or manner'.

 

And the second act makes it even clearer, that 'any person who pursues a course of action which they know 'or ought to know' amounts to harassment of another person could be classed as having committed a criminal offence under the act.

 

So a complaint to the DCA in question swiftly followed up with a complaint to Trading Standards Institute - Home page

And the The Office of Fair Trading: Contact us

[Bazooka Boo]

In a bit of a rush so can't find the exact link I am looking for, but, just because they have replied with the agreement minus your signature, does not mean it is unenforceable, they are allowed to remove signatures from the agreement, there is a template on here somewhere which says why you shouldnt use s78 request if you want to receive the agrerement with your sigs on.

[Bazooka Boo]

Did they send the T&C's also??

[Bazooka Boo]

Unlafull not Illegal!!!

[Bazooka Boo]

No I have been scarred for life, a 'friend' told me to watch (Removed for not only my sake, but to protect others also!), I'll never be able to close my eyes again!

Edited January 12, 2010 by Bazooka Boo

[Bazooka Boo]

Please, I am trying to eradicate it from my Memory! I had to sleep on my back last night,

the next time I see my so called 'mate' I'm just gonne kick him square in the crown jewels....

[Bazooka Boo]

Back to matters in hand, I was thinking that Unlawful and Illegal kind of mean the same thing, so would Unfair be better terminology to use?

[Bazooka Boo]

Has anyone else had a look at what they sent regarding the CCA?

 

As BB says. it's not for them to agree or disagree as to what you pay them, it's for you to decide, if they don't like it, tough cheddar.

 

Personally I would just pay them a £ a month, let them work for it.

[Bazooka Boo]

Good to hear they have stopped harassing you. Be prepared for the cycle to start again, with a new DCA mind.

[Bazooka Boo]

It is for you to TELL THEM what YOU will pay, NOT the other way round. make the offer of £20 (which is very very generous) in writing, if they refuse, just pay it anyway, they will not take any action against you as they will be ridiculed in court.

 

Have they sent you a copy of your CCA for this alleged debt? What about all the others?

[Bazooka Boo]

Yeah well their puerile letter is all bluff and bluster, they seem to think that by sounding aggressive they somehow have the upper hand when in actual fact they are lucky they breathe the same air!

 

If it is for a credit card, and these have already rocked the boat and are getting greedy, then a CCA request won't hurt at all, it will at least send them the message that maybe they should have accepted your first offer and been happy.

When was the card taken out? Pre 2007?

[Bazooka Boo]

Good, what year?

[Bazooka Boo]

CCA request then HH,

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

£1 postal order, send recorded OR 1st class and obtain proof of posting.

[Bazooka Boo]

OK the direct debit should be cancelled immediately, how long have they got to reply to your CCA request?

 

IMO it would be a bad pre-emptive strike to stop payment if they are still within the time limit laid down, the choice is yours, but if they do come up with the goods, then no payment at all would not look good if it got to the legal stage.

So if you don't want to pay them THEIR chosen amount, cancel the DD and pay them £1.