My thanks to the excellent Consumer Action
Group forums for these extracts:
I completely empathise with you about AIC Debt
Collecting Agency, They are nothing but utter bullies. The first course
of action you need to take is to send a CCA request in to them otherwise
you have no way of being able to establish that they own the debt
as Icould quite easily demand money from you. You have to allow 12
working days for this to be issued and need to also enclose £1
statutory fee, Also as Ihave been advised do not sign the letter.
Our comments: This is the Subject Access Request which
asks the DCA (in this case AIC Debt Collecting Agency) to send you
a true copy of your original credit agreement. Usually they will not
have it. Their failure to send you a true copy will put them in breach
of the Consumer Credit Act. This explains why the forum respondent's
advice was not to sign your letter to them - as DCAs (and even some
banks, by all account) have been known to forge your signature on
a made-up credit agreement which you have never seen before.
Another variant of not signing the letter is to sign
it with a signature that is not your normal signature (i.e. if your
normal hand slopes to the right make this slope to the left, etc.);
that way you'll actually be able to produce many, many copies of your
usual signature (on your passport, driving licence, etc.) to a Court,
and then produce their forgery of your unusual signature - made up
just to trap them!
That way they will also be guilty of forgery.
you have any information that you would like honest people to know
about AIC Debt Collecting Agency then send us an email in complete
confidence and we will try to corroborate it with the clowns involved.