Allied International

[Pimp Cat]

Has anyone had any dealing with Allied International?

 

It looks like my debt has been passed to them after scott call returned it to RBS after my first CCA letter. They say that they have written to me but i havent recieved anything. Just lookin for an address really. as i still have a copy of the letter i sent to scotcall

 

Hopefully it will have the same effect

 

Thanks.

 

Colin.

[object2002]

Hi,

Yer I know them, they just put the phone down on me when I stated I had asked them for a copy of the CCA 12day ago, and also 30day ago I asked them for the charges under data procetion.

I was told, your request wont be dealt with as we are going legal on this today, I then pointed out that he was in my view breach of the Wireless Telegraphy Act (1949) as I have requested that all communication be put in writing, when I asked for his supervisor I was told, he was the most senior credit account manager and he was going to teminate the call, but I was advised they where going legal.

 

There are nearly as bad as capquest!

 

Ry

[object2002]

O and there address is -

Allied International Credit UK Ltd

Anderson House

389 Argyle Street

Glasgow

G2 8LR

[Pimp Cat]

Thanks for your reply and for the address. I will send a letter off now! Also thanks for the Wireless Telegraphy Act (1949) as i have twice told them that i want all comunication to be written and not over the phone!

 

Cheers.

 

Colin.

[Pimp Cat]

afternoon all,

 

So i sent the CCA letter off to AIC and the S.A.R - (Subject Access Request) to Mint(rbos) on the 19th of Oct. I still haven't recieved a thing back from AIC although i had both a letter and a full set of my statements from Mint.

 

However i popped home at lunch to find a Urgent - Final Notice of Intent from AIC.

 

saying unless i pay them the full amount they will issue a claim through my local county court yadda yadda yadda...bailiffs will come take all your stuff.....ect ect.

 

i sent the CCA recorded delivery and the royal mail website assures me that it has been delivered although it can not provide me with a copy of the signiture at this time.

 

Should i be worried about the most recent letter from AIC as i thought a CCA request ment that the account was in dispute and there for on hold, and that a CCA request was "a complete defence to any court claim that is issued." as they haven't provided the requested documentation.

 

all help and advice is more than welcome.

 

Thanks.

 

Colin.

[object2002]

Yep in the Same boat and Time is ticking for them.... They sent me a letter saying last chance I just simple Faxed them a copy of my letters with a cover note saying ' I think the attached are self. explan; time is ticking you only have days left'

 

Ry

[Pimp Cat]

So you think its ok then and i'm worrying about nothing? I thought that if an account is in dispute (cca letter) then no action could be taken anyway? I.E court procedings. Think i might wright them a letter in reply but i am unsure of what i need to be telling them could someone please point me in the right direction or give me a hand in trying to work out exactly how i should proced from here.

 

Thanks.

 

Colin.

[denver]

Hi Pimp Cat and Object2002

How did your situations turn out?

[addicks 79]

can anyone help, i had a phone call from aic saying i owed them £850.00 from a debt with natwest goin back to 2001 i have had no contact from the bank in all that time, then the other day aic called me back saying that as i was self employed they had the power to freeze my bank accounts and stop me from earning any money, is this true?

[gni03349]

They have no power to do anything other than hound you for alleged debts.

 

Have you had a letter from them?

 

Make a note of all phone calls (time date etc), and collect and keep any letters from them.

 

There is a procedure to follow, and the first stage will (probably) stop them dead in their tracks.

 

Also, if nothing has happend at all with this account, then after 6 years it is Statute Barred, which means they can shout all they like, they wont get a penny from you.

 

DONT CALL THEM, and DONT GO THROUGH THEIR SECURITY IF THEY CALL.

 

Other with more knowledge will look in and advise you more, but what I have written is a first step.

 

Regards.

Edited May 7, 2008 by gni03349
spelling

[addicks 79]

thanks for the info, much appreciated

[whatanightmare]

gni03349, please could you tell me more about what you mean by 'if nothing has happend at all with this account, then after 6 years it is Statute Barred, which means they can shout all they like, they wont get a penny from you.'

 

I have just been contacted by Allied International about an overdraft I took out from Llodys TSB in 2001 or 2002. I now live overseas and tried to contact Lloyds about this account only without the correct securit information they wouldnt put my through/talk to me about it. Allied International have been much easier to talk to about this and I am happy to pay - the amount in full. However, they refuse to send me any paper work to proof who they are and I wondered if they have the right to demand this so quickly - considering that nothing happened in Llyods for years? Thanks

[nativestranger]

Hi all

 

Yes I am currently having problem with allied. I sent for a cca in order to try and find out about the interest they are charging me. Instead of sending me the cca i was sent a notice of arrears? Does this count as a cca and if not what should i do?

[Strom_Trooper]

Hi I am also going through a bit of hassle with these jokers at Allied International, I had a student account about 3/4 years ago maxed out my overdraft - then in the period from graduating finding a job etc built up lots of account charges and interest upto £3,242.56 now in my graduate account passed to these rather rude individuals at allied international!

 

I received a call to make an out of court settlement of £1,900.00 - I thought thats sounds fine I'll make arrangements to pay it off in full - but I will require this in writting about 3 weeks ago - still to this day I received no paper wrok confirming this.

 

I called up this evening and they said "oh this is some kind of delay tactic" I said well no I have the money to pay this off the only dealy tactic is your letter being sent to me and I asked why its not sent as recorded delivery and they made some excuse that they don't do recorded deliveries (bollocks). Then this guy trys to tell me he will email me a PDF file will this agreement then I should make the payment.

 

There is no way I'm paying a penny to Allied International without hard copies and a letter of the agreement signed - no emails as I feel this is a trick (bluff) to make a verbal agreement on the phone of an out of court settlement to try and get a payment from you, then later come back to you requesting the rest of the full outstanding balance that they said would not be owed. BEWARE of this trick and whatever you do don't part with a penny until you have this in writting. Even if they send you an email they can deny they sent the email to you to begin with and .PDF files can easilly be edited by anyone.

 

They are very sly individuals and all they see when they ring you up is there commission % that they get - thats all they are concerned about.

 

I would be very interested if anyone else has had this same experience - I only wish that I had recorded my telephone conversations with Allied International so I could use what I was told in court against them.

[nativestranger]

Hi storm trroper.

 

I haven't been able to get online for awhile as I am currently having some problems with my laptop.

 

Anyway, don't pay them a penny!!!!!! This people sound like real crooks. I am also having problem with them. I requested a cca but instead they sent me a notice of arrears, asking me to pay up. I have not yet answer them as I am trying to find out what I should do at this stage. Not only did they not send the cca but they also missed the 12 dys deadline. I am thinking of requesting another request for cca.

 

But I'm sure glad that I am not alone in this situation as it can be very stressful. So, guys lets continue to support and help each other and hopefully beat the bastards!! sorry if that was offensive.

[almond]

hi

i am in the same boat, i sent a letter and a cca request last week, i had been getting very nasty calls from them, saying they were going to make me bankrupt etc. i have today recieved a notice of arrears.

what i am worried about is i go on holiday 1st of next month for 10 days

and my daughter will be in the house alone (its ok she is over 21)

can they turn up at the house?

[findingthecheese]

Hi almond!

 

Hopefully others who are wiser and more experienced than me will confirm that these jokers cannot simply decide to send anyone to your home. There is a letter on here (not sure who was the original author!) that you can send them saying that you do not give them permission to send any of their representatives to your home (see below);

 

WARNING

 

Dear Sirs

 

ACCOUNT: XXXXXXXXXXX

 

With reference to your letter of *****, I notice that you intend to authorise collection agents to visit my home and that you may issue proceedings against me in the County Court and may issue a default on my credit file. [may not all be applicable]

 

Please be warned that, since you have not complied with my request under s78(1) of the Consumer Credit Act 1974 within the statutory period or at all, any or all of these actions would be unlawful under s78(6) of the Act.

Specifically, regarding your stated intention of authorising collection agents to visit my home, please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless.

 

If you do not understand any part of this letter, you should consult a qualified solicitor.

 

Yours faithfully

 

Hope this helps put your mind at rest.

 

ftc.

[almond]

thanks will send letter next week

[nativestranger]

Thanks for the letter, very helpful.

 

Since they have not send me a cca as requested should I make another request for a cca. Any advice will be welcome

[Dav3yBoy]

No, do not make another request. As long as you sent the request by recorded delivery and can prove you sent it, if they haven't responded then they are just digging a hole for themselves.

 

You have made the request in good faith and they have plenty of time to respond. If they do not reply within 12 days + 1 (i think) then have defaulted on the allotted time allowed. If it passes 30 days and still no response, then they have broken the law and you have grounds to go to the OFT and Ombudsman.

 

The ball is in their court now. Do not speak to them or write to them until the deadline passes.

 

VULTURES!!!

[Redz 67]

I am having trouble with Allied too, it too is a Lloyds TSB Loan that I took out years ago, and defaulted on it about 1999, it went to their solicitors and I had been paying them about £40.00 a month, and got the loan down to £7120, from about £10,000. Unfortunately I have not paid them since September 2008, and although I contacted Lloyds solicitors in December to say I would make a payment, due to my financial situation, especially after Christmas I was unable to make a payment. On the 27th Feb 2009 I received a yellow card from Allied demanding the full £7120, when I contacted them they said I would have to pay the amount in full, but they would reduce it down to a settlement figure of £6,000. They threatened that they would put a charging order on my property which meant I would not be able to sell it (I currently have it on the market), and they would take action to repossess the house (for £6,000), and then take further action for bankruptcy...nice!

I tried to get another loan from Yes Credit but because of a poor credit score was rejected, they then passed me over to a debt management company called Money Worries, who say they can arrange to pay off my debtors, they have told me not to pay Allied anything, until they talk to them.

In the meantime Allied have now said that Lloyds TSB will accept 20% of the debt £1,500, which we have managed to borrow from family, but they want that by Friday 3pm, at the latest or legal proceedings will start.

 

Sorry about the long e mail, and all this has happened in 2 weeks!

[almond]

somebody should be able to give better advice but i had these guys on the phone in october, wanting the money in 24hours but because it was the weekend would give me 48hours, i was preparing for my tribunal case

and was in one hell of a mess (won tribunal £16K) but he did a runner so

am chasing it. well back to my story the guys on here were great told me

to cca them and send a harrassment letter. never heard from them again

yesterday got a letter from lloyds sol so will be sorting it out today.

I know its not much help but don't worry , i was told they were going to

take the house off me etc, the guy was very nasty indeed

[Redz 67]

great thanks for that, but what do I put in an harrassment letter, would be great if you could send me a tempolate or something.

 

 

 

somebody should be able to give better advice but i had these guys on the phone in october, wanting the money in 24hours but because it was the weekend would give me 48hours, i was preparing for my tribunal case

and was in one hell of a mess (won tribunal £16K) but he did a runner so

am chasing it. well back to my story the guys on here were great told me

to cca them and send a harrassment letter. never heard from them again

yesterday got a letter from lloyds sol so will be sorting it out today.

I know its not much help but don't worry , i was told they were going to

take the house off me etc, the guy was very nasty indeed

[almond]

great thanks for that, but what do I put in an harrassment letter, would be great if you could send me a tempolate or something.

 

 

hi

have a look in the template letters on here they is one somewhere

bye

[Redz 67]

Great have found that, am just starting to find my way around this website/forum.

Would I put on this Harrassment Letter, problems with my health, have got my anxiety back, had panic attacks and only 3 hours sleep a night!

 

hi

have a look in the template letters on here they is one somewhere

bye