What To Do If You Get A Nasty Letter or Phone Call From:
Allied International Credit
International Credit is a debt purchasing company or debt collecting
firm listed in the website of DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Allied
International Credit), and especially the debt purchasing element, go
a bit too far sometimes and can make people's lives a misery when those
same people are at their most vulnerable. We do not suggest that they
are acting outside the law, but getting that letter or phone call is
not exactly helpful to you right now.
So the first thing
you must do if Allied International Credit is bothering you is not
to panic or despair. That's just what they want! They'd love
you to call their number and speak to their specially trained sales
team for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
As an alternative
loan you could apply for a 'logbook loan' which many
people find a very handy option. It is actually a loan secured on your
car, except you get to keep the car and keep the cash as well! That's
why some people find it such a good idea, as it unlocks the equity in
your vehicle without taking away your means of transport (there's no
need to sell the car). To apply
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Also Known As: Allied International Credit (UK) Ltd, Allied Credit International
Address: Anderston House, 389 Argyle Street, Glasgow G2 8LR
Telephone: 0141 2263111
Fax: 0141 8470203
Email: [user] @aiccorp.com
Extra Data: Specialists in "send the boys round" type bright
coloured postcards (against OFT rules). See the interesting case notes
below from the forums.
Get a free QuickCreditScore
check by applying
Credit and the Truth About Your Debt
a debt collection agents which has bought the debtor account from the
original lender (or in some cases an intermediary or third party) for
around a tenth or less of the original value of the debt and is trying
to recover the full sum of the original debt from you.
So ask Allied International Credit
for a copy of the original contract when you took out your loan or credit
Data On Allied International Credit
thanks to the excellent Consumer Action Group forums for these extracts:
Hi I came
across the site following an extremely rude telephone conversation
with a Mr Hamilton of Allied International Credit. I had heard about
the site on radio previously. I was re-assured to read so many posts
about other peoples' experience of this company. I was going to write
a letter of complaint but after reading the posts I see that this
would be useless. However I would like like to send Hamilton the CCA
letter that a number of posts refer to.
See also the other responses to Allied International Credit on other
pages in this site.
you have any information that you would like honest people to know
about Allied International Credit then send us an email in complete
confidence and we will try to corroborate it with the clowns involved.
Allied International Credit page is part of the DPC Registry site. Consumer
Credit Licence .
aware that figures entered need to be accurate by law, and to give the
best service to you. It is extremely important that you budget for all
necessary expenditure including rent or mortgage, council tax and utility
bills, etc., and any other necessary outgoings related to the upkeep
of your household and in relation to any specific circumstances that
may relate to you. This website only collects data on behalf of debt
management professionals, from which it will receive affiliate remuneration
for data collection only and does not itself engage in any debt management
services. Other debt management options are available and may be more
suitable. People entering into an IVA or debt management will have this
entered on their credit profile and this may affect their ability to
get credit in the short term or even in the long term in some cases.
It is free to apply from this website; you will be given advice by debt
management professionals and a 'cooling off' period, by law, to decide
whether or not the debt management plan is suitable for you, and you
should be aware that a fee will be chargeable upon a successful arrangement,
as with any commercial transaction. Failure to meet the repayments on
an IVA or any debt management programme may result in serious consequences,
including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar
defaults will be entered into a public register and will remain there
for a statutory period of not less than six (6) years.
Allied International Credit website is part of DPC Registry website
group. All rights reserved. Complaints Against Allied International
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
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