allied international

[melv1golf]

hi everyone,

 

First of all after reading several posts on here and on other sites it would appear i have broken every rule possible, alas i am now looking for some advice on how to move foreward.

 

I have a debt with american express, (i do not dispute this debt), they have passed the debt on to allied international, they contacted me many months ago over the phone and after various threats i agreed to pay 3% of the balance per month this was £42. here was one of my many errors, i made the payment with my debit card, they have then continued to take payments for the last 4 months without any contact. i phoned them 2 weeks ago to discuss the balance and they informed me that charges have been added to tha account, i then asked them to provide me with a full statement of the account, a week later they sent me a typed note detailing the payments i have made but nothing about the balance or any charges.

 

can anyone please advise me on what to do next.

 

many thanks.

[PGH7447]

Yep inform the bank that unlawful payments have been taken and that any future attempts by this company are not authorised, if they wont play ball then report your card lost.

 

next send this company a cca request for the agreement, and send a sar to amex for all statements to see what is the exact balance

[F_DCAs]

I'd report the unlawful charges issue to the OFT, just because you can and just because it's AIC, who are a horrible company even by DCA standards.

 

Any subsequent transgressions should also be reported to the OFT, as separate complaints.

[melv1golf]

thanks guys, what do i do in the mean time? do i continue to pay?

[F_DCAs]

No. I'd stop paying them now, and get the CCA request sent off. Being AIC, the CCA request won't ever get fulfilled. I have reason to believe that AIC don't even bother to forward CCA requests on to the client.

 

But as long as you send it recorded delivery, and receipt of it is confirmed, that's AIC's problem - and the problem of any subsequent company that may chase this up.

[Asterisk]

subbing

[PGH7447]

correct stop paying the Txxxxxxx Bxxxxxxxx