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Allied Inernational and LLoyds debt


Elevated
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I have recently had dealing with this company, back in April 2005

 

I returned a contract hire vehicle to Lloyds after running into financial diffs with the payments,

the car was returned in mint condition (merc)

 

after twelve months an agent from lloyds came to my house and said I owed 6k,

but after a while he rang lloyds and thy agreed to ask for £100 per month up to £1300, and I agreed,

 

I had been paying by direct debit for about six months then Lloyds stopped taking the payments,

then I received a letter sent to my previous address requesting £6500,

 

I wrote to Lloyds and referred them back to our old agreement and they denied that an agreement was in place,

I heard nothing for ages until

 

two months ago when I had a letter with a demand letter from Close credit who I wrote to and referred to my earlier agreement,

I immediately paid £35 on account via their website and the second month I went to pay £35 and the account had been withdrawn,

 

2 weeks go Allied contacted me and the whole thing started again,

 

I have started to pay Allied 35/month on account until the original agreement is resurrected,

Allied just keep ringing, shoutin at me and then putting the phone down,

 

whats the point, has anyone ever had them take them to court

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Welcome to the site.

I am moving your thread into the dca section,where you should get more responses.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello Elevated,

 

 

May I suggest that you no longer deal with any company that is asking you for money on the telephone!

 

From now on deal with them in writing only. There are lots of letters available on this site, and plenty of people to help! This way, should you make a repayment agreement with a company, you will have written proof!

 

If they then continue to call you on the phone, you can send them a telephone harassment letter.

 

Secondly, we need to establish who actually owns the alleged debt. Is it AIC, Lloyds or some other company? What letters have you received?

 

Once you know who owns the debt, you can send them a CCA request. If they can not supply you with a copy of the fully executed agreement they can not enforce it!

 

Next, does the total of the alleged debt include any unlawful charges? You may be able to reclaim them and therefore reduce the debt? (We can deal with this later if necessary).

 

Also, they are rules governing the returning of cars etc. I am not sure of the full details, but I am sure somebody else will be able to help on that matter.

 

Then, have a really good read of some of the threads on this site. Particularly in the debt sections and also in the Lloyds section. You will come across lots of other people with similar situations to you, and you will pick up lots of help and information.

 

Finally, If you are not sure of anything, just ask. Post the question in your thread and somebody should be able to help!

 

 

Hope this is some help.

 

 

Best wishes, Jeff.

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First NEVER talk to these "people" on the phone as they will try and get you to agree to anythin.

 

Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Excuted Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has commited a summary criminal offence and the matter should be refered to Trading Standards for action.

 

I hope this clarifies some things.

Be VERY careful whose advice you listen too

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Dont get frightened by the threat / demand letters, in most cases these are just computer generated templates with the main purpose of scaring you into calling them where they will then try and talk you into agreeing an amount of money over the phone.

Remember if you do that you have no proof of an agreement so as already mentioned dont call them whatsoever.

 

CCA them and sit tight for there reply. Never reveal your signature to them. If they say they require proof of signature to process the CCA request its bullplop. Sit tight for the 12+30 days and let them provide the information or let them default.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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This is the letter I sent yesterday - I take it is no good.

Mr R Watson

Allied International

Anderston House

389 Argyle Street,

Glasgow.

G2 8LR

 

 

Monday, 30 July 2007

 

 

Dear Mr Watson

 

RE: BLACK HORSE CASE NO: xxxxxxxxxxxxx

 

With reference to our recent conversation.

 

I have explained fully the situation relating to this matter and I an not ‘totally confused’ with the issue. I have been totally candid with your enquiry, I do not feel that it is fit and proper practice to threaten without cause and in fact terminate a conversation in the manner you did.

 

You have stated in correspondence your intention to commence proceedings in the county court against us. The commencement of legal proceedings under such circumstances could be counter to the ‘Overriding Objectives’ of the new Civil Procedure Rules. You will be aware that the Overriding Objectives underpin everything the court does. Moreover, paragraph 4 of the Protocols Practice Direction states that in cases not covered by an approved pre−action protocol, the court will expect the parties “to act reasonably, In trying to avoid the necessity for the start of proceedings”.

 

 

I would suggest that your refusal to accept my offer could be viewed as unreasonable and I would ask the court to consider this matter with reference to the Overriding Objectives.

 

The amount listed as debt is incorrect, I have provided correspondence direct to Black Horse Finance Limited on several occasions.

 

The agreed amount is £1300, agreed by Elma Patching of Lloyds on the 25/04/05, after a visit to my home address by an agent acting on their behalf.

 

I have a full and detailed paper trail of this account, all correspondence, and payments.

 

My solicitor has monitored it throughout, I am not attempting or refusing to deal with this matter in a satisfactory manner as per your letter.

 

This is one of several replies I had made relating to this account, these letters from you have caused alarm, distress and humiliation and I am requesting that you cease.

 

If you continue to threaten me with your telephone calls and letters, you are in breach of Section 40 of the Administration of Justice Act 1970, you are not ‘bailiffs’ and you have no right to write to my home and demand payment. I have now reported the contents of that letter direct to Black Horse Finance & my Solicitor xxxxxxxxxxx

 

I am happy to make payment of £35 per month in any way that suits Black Horse Finance until a maximum of the agreed £1300 is met.

 

Yours sincerely

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Well i would still CCA them first and see what comes back but whichever way you decide to do this make sure you get all agreements in writing. DCA's are slimeballs and will lie through there teeth to squeeze as much money out of you as they can.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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