Allied International

20miffy

I have had a call from these about a loan I apparently had with Lloyds TSB!
They are chasing me for just over £5k
First call was last week saying can I pay this now!
Of course I couldnt.
They were going to call back and I am waiting for this call.
What is the best plan of attack?

Wutang_2

Do you owe the money?

Rednell

not a blackhorse loan was it? they tend to use Allied.

20miffy

I cant say I remember this loan they say I took it out with LLoyds TSB. Is it a good idea to ask for a copy?

Fiddlestick

20miffy wrote: »

I cant say I remember this loan they say I took it out with LLoyds TSB. Is it a good idea to ask for a copy?

How can you not remember a loan for *FIVE THOUSAND* pounds?

It's hardly a couple of quid, is it?

marotw

It would seem that people's experiences with Collection companies varies greatly, certainly with the handful that I have dealt with. If the debt is legitimate, then assuming they have sent you an "introductory" letter with a contact address, send in a written response with a general income and expenditure breakdown. I have debt across five companies (Intrum Justicia, Triton, ARC, Cabot and Robinson Way) and used this recently as a template for re-negotiating with all of them, as I was over-committing myself.
That said, the bulk of the debt is a Natwest loan that I fell behind on paying to Intrum Justicia last year. It then ended up in Allied's hands - I had one conversation with a quite dismissive so-and-so, and then followed it up with my letter, and then a second letter when they offered me new terms which were still not favourable. I even wrote to Natwest Collections directly to try and force the issue. I heard no more from them. The debt was then passed to Wescot, and they agreed to my offer and I'm now moving forward again with this portion of my debt.
You can be safe in the knowledge that any insistance that you "pay now" is a complete nonsense. You should only pay at a rate you can reasonably afford and any company that doesn't agree to your terms when you have supplied the relevant figures is just clutching at straws. Similarly, if it's not your debt then they do need to prove otherwise

wayne99

send them a prove it letter: send recorded delivery:

1 High Street,
Newtown,
Kent
R21 4RH
October 9, 2007

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Ref: xxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully





Mrs A N Other





check your credit reports with experian, call credit and equifax.

i have removed my remark about ignoring them, reading back what i have writen i agree it was a crazy response and do not follow what i suggested.

sorry all.

wayne.

Fiddlestick

wayne99 wrote: »

check your credit reports with experian, call credit and equifax, if there is nothing on there ignore them.

That's wrong and irresponsible.

A lack of reporting to the CRAs does not mean that the debt does not exist!

drbesty

So did you take the loan out or not? If you forgot about the loan theres a good chance you forgot to make the repayments aswell, no wonder its with a debt collector

Wutang_2

drbesty wrote: »

So did you take the loan out or not?

He isnt too keen on answering this question, so I think yes.

And Wayne - thats one crazy response!!

mabski

You really need to give some more details about this debt.
I know you said you cant remember but is it likely to be yours or is the dca chasing the wrong person in which case waynes prove it letter is the first step
If it is yours how old is it and when was the last time you made any payments, because it could be statute barred if its been over six years since you last made a payment.
If its less than six years you could always send out a cca request to see if they have an enforcable agreement or a sar request to see what info they have on you and find out if they have issued a valid default notice.