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AIC - Who are they?

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Hi everyone,


I'm new to this forum, I'll just quickly explain how I came to be posting this thread.


I went through a really bad time last year, financially and emotionally, my marriage broke up after 17 years out of the blue, I lost my job and I was also ill which resulted in an operation at hospital with another one pending.


At the moment I am able to manange (just) all of my creditors, however on the week I thought I had started to see light at the end of the tunnel. A company called AIC started to leave automated messages on my home ansa phone, they haven't said what its about except that its something to do with 'Insurance' and that I must call them back 'immediately' quoting a reference number and ask for Mr Miller or a Mr Wilson......


I have no idea what this is about....so I googled them and this forum came up and it seems they are debt collectors of some description. This has now gone on for about two weeks, every day I get home there is an automated message awaiting me from AIC, each message gets a little more 'punchy' demanding that I call them.....


Anyone any ideas on what I should, should I just ignore them......has anyone had a dealings with this company....


At the moment I am under the doctor for stress and depression and I have another pending operation to go in less than a month, I am getting real worried about it and what will happen if I continue to ignore them....


Can anyone help?





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Hi and welcome to the threads. Sorry to hear that you are having a hard time of things, I hope they improve soon.


People with far more knowledge and expertise will post, but I just wanted to say to you not to panic. I have had dealings with them and they may seem nasty, but once you follow the advice given by people here you will discover that they are all bark and no bite.


Try not to let them get to you... and good luck x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Sorry to hear about your misfortunes. A lot of people here have similar experiences.


As to AIC : you are correct in that they are a firm of debt collectors. You have managed to pick a real doozy here though as AIC are renowned for their agression, hostility, rudeness and, not to put too fine a point on it, lies.

Do not ever speak to them on the phone. Do not call them. If they call you then, very politely, refuse to answer any 'security' questions and put the phone down.

It is probable they will ring back and accuse you of breaking the law by hanging up on them. This is of course a lie, but it illustrates how they work.

Do not ever become embroiled in a conversation with them - you will lose (unless you have had the length of experience some us here have had).


Nasty people.


Here quoth the voice of experience.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Exactly. AIC are also known for not knowing what they're doing. Still waiting for that CCA request I sent to them nearly a year and a half ago to be fulfilled. It hasn't yet.


AIC have nothing constructive to say on the phone - keep any dealings with them exclusively to written format.

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If you have a BT phone line, and if the calls are becoming very annoying, you can get BT's Choose To Refuse service which allows you to block calls... not sure how much it adds to the bill per quarter. We have it and it (again fingers crossed touch wood) seems to be working x

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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