AIC overdraft collection

[geezar69]

Hey folks...

 

Recently a family member offered to help me out of debt by paying creditors a portion of the debt. 2 of these creditors have accepted these conditions and have been paid.

 

However, I have an old overdraft that AIC are now trying to collect much the same as they seem to be with many other people. This stemmed from me sending an offer to settle the overdraft with a full and final settlement. This offer was sent directly to the bank prior to hearing anything from AIC.

 

The bank will no longer speak to me about it as they say it has now been "transferred" to AIC.

 

AIC want the entire debt paid back immediately. From reading the posts on this site it would seem that they don't have the right to do this. I cannot afford this anyway.

 

Although the debt is from an old account, regular

(although small) payments have been made into it, so I didn't expect to have been passed on to a collection agency. It all seems a little extreme really...

 

So what's my next step...?

 

From reading other threads it would seem that sending them a CCA request would be the first step..

 

If I do this and they send it back within the time limit, what is my next step..?

 

Cheers,

 

Geezar69

[PGH7447]

cca is no good with an overdraft

 

ignore aic and send the bank a sar and get all statements etc, see what the od is made up off

[geezar69]

But I have read other threads where a cca request has been made by people in similar situations (with overdrafts). Why is a cca no use for an overdraft..?

 

Why would I send a subject access....? Would I send this to the bank or AIC..?

 

What would my next step be..?

 

Thanks for the response..

[cerberusalert]

You should send the SAR to the bank. With what you receive back it will help you determine what unfair charges you can reclaim thus reducing the amount.

[Gaznkaz08]

But I have read other threads where a cca request has been made by people in similar situations (with overdrafts). Why is a cca no use for an overdraft..?

 

Why would I send a subject access....? Would I send this to the bank or AIC..?

 

What would my next step be..?

 

Thanks for the response..

 

 

i've had some good advice in my thread on the subject

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/237096-overdrafts-covered-ccas.html

 

i'm going to have a crack at them, in theory i've paid back the original amount of the od so the rest must be charges

 

i've sent a standard CCa request, but hopefully have some good ammo waiting in the wings when they try and dismiss it

 

the worse that can happen is i have to keep paying it

[hungrybear]

I would send the cca request and see what response you get from them. Have a look at the thread gaz suggested the I wont have to repeat myself here.

 

Od's are quite complicated to deal with, mostly from their point of view

[geezar69]

Should I send the CCA request to the DCA or the bank who provided the overdraft...?

Should I perhaps send a subject access request as well..? If so who should this be sent to..?

 

Thanks again for your help guys...