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What To Do If You Get A Nasty Letter or Phone Call From:

AIC Debt Collectors

 

 

AIC Debt Collectors is a debt purchasing company or debt collecting company 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 collections, but there is some indication that some such companies (not necessarily AIC Debt Collectors), 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 AIC Debt Collectors are 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. You could use one of these, or even all of them if they are appropriate to your own circumstances.

But first of all, a warning: we DON'T recommend taking out a so-called 'consolidation loan', or at least think carefully if you are offered one. These are fine in some cases, and they look quite rosy in the short term, but they can easily get you in more difficulty than before; after all, this is more debt. Where would you be with this a few years down the line?

A more 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.

Getting some cash in the short term could be an easier choice. It may be that you only need a short-term financial boost to get you over a tricky patch. In this case, if your bank won't give you a personal loan (for whatever reason) you could get a payday loan which is an unsecured loan designed only for the short term. The only problem with these is that the interest rates are, frankly, very high. They really should be used only for the short term. To apply for a payday loan click here.

For a longer term 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.

NOTE: If you have at least two accounts in debt, and total debts of £2,000 or more, enter your details below to see if you qualify. (But if you owe less than this, or are on state benefits, then use this link to apply instead.)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

DPC Registry. Consumer Credit Licence number 633327.

 

Name: AIC Debt Collectors
Also Known As: Allied International Credit (UK) Ltd, Allied Credit
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 here.

 

AIC Debt Collectors and the Truth About Your Debt

AIC Debt Collectors is a debt purchasing agent which has purchased a delinquent account from the original lender (or in some cases another debt collector) for about 10 percent or less of the original value and is brazenly attempting to recover the full value from you.

AIC Debt Collectors will use all sorts of nasty methods to get you to set up a standing order or direct debit so that they can profit from your misery. You may have already experienced bad and terrifying experiences of them. They may phone you when they know it is inconvenient or even embarrassing for you and do this lots of times. They may write official appearing sternly drafted letters threatening to come round to collect the amount in full or that they will take you to court if you cannot pay. Other tactics may include attempting to make a charging order on your property or in some way cause you great personal suffering.

So ask AIC Debt Collectors for a copy of the original contract when you took out your loan or credit card.

 

 

 

 

More Data On AIC Debt Collectors

These people are scumbags. Looking through the various consumer forums I find many references to AIC Debt Collectors by people who are sometimes suicidal. They seem to be specialists in sending speculative threatening letters to people who do not owe anything at all to anyone.

From the excellent Consumer Action Group forums:

Hi, thought I would post this incase any of you are having dealings with this Glasgow based DCA.

Allied International Credit (UK) Ltd, or AIC Debt Collectors , are not very competent. Which we all know is a pre-requisite for being a DCA.

Yesterday [my partner] rec'd a card stating that AIC Debt Collectors client (in this case LLoyds), has informed them that full payment must be made immediately.

Then, on the same day as receiving the card, I receive a phone call asking [my partner] to call them urgently on a "personal business matter".
I advised AIC Debt Collectors that [my partner] was made BR by their client in May 07.
They say "I know, but we still need to speak to him"
Well actually AIC, you are unable to speak with [my partner] , as [my partner] has no debts, and does not owe you or your client any money, and is not allowed to discuss this or any other matter with you: MUPPETS.

Would have loved this one to go to court....sadly, don't think it will get to court as [my partner] phoned them back, and was a tad sarcastic, and they hung up on him.

So if any of you receive anything from AIC Debt Collectors- dont panic. Think they need to learn how to do their job properly!!!

Another about AIC Debt Collectors from a contributor to CAG forums:

I had a tesco credit card was out of work and subsequently got into a mess with the payments.. the debt was passed to [AIC Debt Collectors]. who having made all the usual threats.. they said they could force me to sell my home to pay off the debt.. £900?! take me to court.. send the bailiffs round..etc...all this time I was offering them what I could afford and not refusing to pay!! they finally agreed to payments of £20 per month.. I have made regular payments each month but they have started ringing me at work. I have asked them not to, (my boss is my partner and doesn't know about this debt) but they persist.. are they allowed to do this?

Well, no they're not. But you must tell them so in writing. And if they continue to bother you then they are in breach of the law (Administration of Justice Act 1970 as well as others).

If you have any information that you would like honest people to know about AIC Debt Collectors then send us an email in complete confidence and we will try to corroborate it with the clowns involved.

 

This AIC Debt Collectors page is part of DPC Registry. Consumer Credit Licence number 633327.

Please be 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 which may apply to you or your household. 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.

 

 

This AIC Debt Collectors website is part of DPC Registry website group. All rights reserved. Complaints Against AIC Debt Collectors.

 

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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.

 

Registry of Debt Collectors

 

 

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