Help with AIC please urgent!

softpad

Hi

I'm having a nightmare with this company!

They keep bullying and threatening to send someone round to the house to serve court papers. Am worried sick as my mum's 80 and someone calling around for this would just about finish her off.

Do AIC ever send anyone to the house, please or is it a threat? I can afford to pay in instalments but they say, full amount or it goes to Small Claims.

Please help urgently.

Thanks all

10past6

What type of debt is this?

How have you been managing the debt, i.e who have you been paying?

rog2

softpad wrote: »

Do AIC ever send anyone to the house, please or is it a threat? I can afford to pay in instalments but they say, full amount or it goes to Small Claims.

As 10past6 has said, we really need to know what the 'debt' is, but, in the meantime, don't worry too much about their threats of a 'house visit'. If they do send someone around, then you need to be aware that that person has no rights other than to 'ask' you if you would like to make a payment. He/she would have no automatic right of entry to your property and no right of 'siezure' of your goods, nor should they imply that they have. You are under no obligation whatsoever to discuss the 'alleged debt' with them. They must, also, leave immediately once you ask them to.

In short, they have about as much authority as your milkman.

Have a look at the OFT Guidelines on Debt Collection, in particular the section on 'Home Visits':

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

averageguy11

I had dealings with this company last year..they tried the same tatcis with me and i just called there bluff...kept paying the amounts i was already and kept them up to date with circumstances..basically I just treated them the same (on dmp) as anyone else. They gave in soon after..and just reviewed my account 6 monthly.

Hope that helps.

Lodge

Horrible, Horrible people these.

Told me they were going to make me bankrupt, told me to borrow the money from my family, told me to "apply to the council for housing as they were going to take my home"!!

I was worried about them at first until I read about them on here (do a search for Allied International Credit).

Next time they called I told the guy to F**k Off!!

They never called again and soon after my debt was passed onto another DCA who have been perfect gentlemen.

DON'T LET THEM GET TO YOU - IT'S WHAT THEY WANT!

natters_2

These have been the worst DCA I have had to deal with too - I think they get off on trying to bully and scare people - Call their bluff!

rog2

Lodge wrote: »

Told me they were going to make me bankrupt, told me to borrow the money from my family, told me to "apply to the council for housing as they were going to take my home"!!

TOTALLY against the OFT Debt Collection Guidelines: :mad: :mad:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

If anyone is treated in this disgusting manner by any dca, they should not hesitate to report them to Trading Standards. The Office of Fair Trading is definitely showing a firmer attitude towards 'errant' dcas, but they do need to hear from you.

softpad

It's barclays finance - a hp purchase debt that was not kept up. Theyve passed it to AIC.

Please help. Also, I don't know who to pay - dont really know if they have authority?

Thanks

RAS

Hi

I am not up on HP agreements but other may be.

Can you try and contact one of the debt charities listed here http://www.moneysavingexpert.com/loans/debt-help-plan#help

They are very busy but can help you.

Will be back with a letter if possible re debt collectors.

Nargleblast

Softpad - take note of the comments by other people on here who have had dealings with this company. it sounds like they have already had enough rope to hang themselves with from what you say. Have any of these threats been in writing? Either way it is now time for you to get angry and fight back. Listen to people like RAS, rog and 10past6, they know their stuff. Good luck.

atpema1969

Have had horrible dealings with these monsters. I want to pay but have been told they are unable to accept the payments. Have spoken to LLoyds TSB who say they are no longer dealing with the debt. Please can any one advise me what to do next.