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If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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Allied International Credit

Allied International Credit (UK) Limited is one of the UK’s foremost debt solutions providers. As a prominent UK registered company, it collects money owed to a range of different companies and corporations including NatWest, TSB, HSBC and Lloyds.

Who are Allied International Credit?

Allied International Credit (UK) Limited is one of the UK’s foremost debt solutions providers. As a prominent UK registered company, it collects money owed to a range of different companies and corporations including NatWest, TSB, HSBC and Lloyds.

Why is Allied International Credit (UK) chasing me?

Allied International Credit (UK) Limited is a debt collection company. If you have outstanding credit that you are yet to repay, Allied International Credit (UK) Limited may be working on behalf of the creditor to collect the money that is owed to them.

Can I stop Allied International Credit (UK) from contacting me?

It is important to establish the origin of your debt, the original amount of debt, and the supplementary charges that might have been added as time has passed without repayment. You might want to submit a written request to Allied International Credit asking for a copy of the original credit agreement. If they fail to provide you with this information, you are within your rights to continue to withhold payments until you can accurately determine that the debt belongs to you.

If it is established that you are responsible for the debt, repaying the money owed in full or agreeing to a repayment plan is likely to be the most effective way to stop Allied International Credit (UK) Limited from continuing to contact you.

What action can Allied International Credit (UK) take?

Unfortunately, debt collectors sometimes turn to questionable methods in order to successfully secure repayment of money owed from people who are in debt. In addition to frequent phone calls to your home and/or workplace, they might apply to the courts to issue a Country Court Judgement, which could result in bailiffs being sent to your property.

Could my Allied International Credit (UK) debts mean that I lose my home?

The Limitation Act 1980 states that the maximum amount of time a creditor can chase a debt is six years. It is important to note that Allied International Credit (UK) Limited will likely take every course of legal action available to collect the money owed from you. If they cannot collect the money and no payment plan agreement is put in place, they can ask the courts to send bailiffs to your home to seize property.

The powers a creditor can utilise are dependent on what the debt entails. If, for example, your debt is for a mortgage or you are in arrears on a loan that is secured against your property, creditors can take steps that might involve selling your home. If your debt isn’t linked to a secure loan or mortgage, some creditors might have the power to employ legal action to prevent you from selling your home and safeguard the value that exists within your property.

I owe the debt and I can afford to pay Allied International Credit (UK). Should I?

If you can afford to repay your debt, doing so in full as soon as possible will ensure that you are no longer contacted by Allied International Credit.

How Debt Buffer Helps

Debt Harm

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Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

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We help you understand your options based on your circumstances and the information you tell us. No BS.

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I can’t afford to pay Allied International Credit (UK). What now?

As unpaid debts can prevent you from accessing important types of credit, including a mortgage, it might be in your interest to attempt to forge a mutual arrangement with Allied International Credit (UK) Limited whereby you offer partial repayment or set up a payment plan.

Your circumstances might mean that you are eligible to write off your debt by using an Individual Voluntary Arrangement (IVA). The government IVA scheme is only available to people with multiple debts totalling more than £1,200.

How do I make a complaint about Allied International Credit (UK)?

People who are in debt frequently report feeling trapped but it is important to note that Allied International Credit (UK) Limited should never use intimidation, deceit or aggressive practices to encourage you to repay your debt. If this does happen, it means they are not working to the guidelines issued by the Office for Fair Trading and you are within your rights to make a formal complaint to the OFT.

Can Allied International Credit (UK) take me to court?

In order to collect the money owed, Allied International Credit (UK) Limited does have the power to take you to court. If this type of action has been taken against you, you will receive a County Court Judgement (CCJ) letter in the post.

Can Allied International Credit (UK) come into my house?

There have been reports suggesting that Allied International Credit (UK) Limited does on occassion send people to the houses of the people from whom they are trying to reclaim money. As they don’t have any legal powers and cannot force entry, you are not obliged to let them into your property.

Are Allied International Credit (UK) Limited financially regulated?

Allied International Credit (UK) Limited is a private company registered in the UK. It currently has three directors.

Does HMRC use Allied International Credit (UK) Limited?

11 debt collection agencies are used by HMRC however, at the time of writing, Allied International Credit (UK) Limited is not currently working on the behalf of HMRC.

Does Allied International Credit (UK) Limited buy debt?

Allied International Credit (UK) Limited does not buy debts, instead it solely collects debts on behalf of other organisations.

Can Allied International Credit (UK) Limited issue a warrant?

Allied International Credit (UK) Limited does not have the power to issue an arrest warrant. If repayment is not collected however, it might opt to request a CCJ which could lead to bailiffs being sent to your property to seize items that will be sold to cover the amount owed.

Is Allied International Credit (UK) Limited a bailiff?

Although Allied International Credit (UK) Limited is not itself a bailiff, it does have the power to request a CCJ. Before this happens, you will receive several letters explaining the action that could be taken if you fail to repay your debts. If a CCJ is issued, bailiffs could be sent to your property by the courts.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.

WHY PAY MORE?

26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

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