How to Appeal Allied International Credit Debt Collection

Are you worried about a debt collection letter from Allied International Credit (UK) Limited? You’re not alone. Each month, more than 12,000 people visit our site seeking guidance on dealing with similar issues.

Here, we aim to answer common questions about Allied International Credit and provide helpful advice on dealing with debt collectors.

In this article, we will cover:

• Learning if Allied International Credit is legit and what action they can take.
• Finding out how to lower your repayments and stop Allied International from contacting you.
• Understanding the process if Allied International proves you owe money.
• Exploring options if you can’t afford to pay and how to complain about Allied International Credit UK.

We know that dealing with debt collectors can feel overwhelming; many of our team members have faced similar situations. Don’t worry; we’re here to help you understand how to effectively manage this situation.

Do you have to pay Allied International Credit Debt?

You might not have to pay Allied International Credit Debt.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

Why is Allied International Credit contacting me?

If you receive a phone call, text message or letter from Allied International UK, then one of your debts has been passed to them for collection. 

You still owe the original creditor the money; but now Allied is responsible for making you pay, so you may have to pay them instead and the money will be passed on to the creditor after. 

The company you owe money to has either been successful at trying to get you to pay, or it simply prefers to outsource debt collection to another business. Thus, they have engaged the services of Allied Debt Collection. 

Asking Allied International to prove you owe money

You have the right to ask any debt collection company to prove you owe the money they say you owe. You do this by asking them in writing to send proof of the debt. 

Again, there are prove-the-debt letter templates online you can use to ensure you make the request correctly and to save time.

In response, Allied should provide you with a copy of the credit agreement or contract that you signed, which has resulted in the arrears. They will probably have to go back to their client to get this information, which can slow things down. 

But if Allied doesn’t reply with proof of the debt but continues to ask for a payment, you can keep evidence of the request and lack of a response, and simply not pay. But you do need to be aware that this doesn’t stop you from being taken to court.

However, if you are taken to court, you can provide evidence that Allied didn’t respond to your prove the debt request, which could help you avoid a CCJ. 

They’ve proved the debt, help!

When Allied International Credit UK replies with genuine proof you owe the debt, you have two options:

1. Pay the debt to avoid further action
2. Ignore Allied International Credit repayment requests and run the risk of court action

Don’t always believe what you read online. Many creditors are willing to take you to court. Ignoring Allied probably isn’t the best way to deal with them, even when you cannot afford to pay.  

How long can Allied International Credit UK chase a debt?

For most debts, it’s six years. 

Any creditor or debt collection agency is under a time restriction to collect a debt or get a CCJ issued for the debt. Some debts are excluded from the time limit, and other debts have different time limits.

In England and Wales, many debts become legally unenforceable after six years. The debt is then a statute-barred debt. In Scotland, most debts become written off after five years. There is a key difference here. 

In Scotland, they are automatically written off, but in England and Wales, the debt cannot be enforced through court. The debt technically still exists, but it’s as good as written off. 

There are some caveats to the time limit loophole. For example:

1. You must not have paid anything towards the debt within the last six years
2. You must not have acknowledged you owe the debt in writing in the last six years
3. The debt must not have already been subject to a CCJ

So, what should you do if you think Allied has contacted you about a statute-barred debt?

Send Allied Debt Collection company a Statute Barred letter 

Only if applicable to your situation, you should reply to Allied Debt Collection’s letter telling them you won’t be paying because the time limit to collect the debt has already passed. 

You can get free statute-barred letter templates online to make sure you work the letter properly.

But before you reach for your stamps, it’s so important to check that your debt really is statute-barred. Sending the letter too soon could result in restarting the clock. You can get help understanding this by contacting Citizens Advice or a debt charity. 

Can you appeal Allied International debt?

There isn’t a formal appeal process, but you might be able to use the law to avoid having to pay these debt collectors. 

How to deal with Allied International Debt Collectors

The best way to deal with Allied International Credit UK depends on personal preferences and the situation. You might prefer to acknowledge you owe the money and pay, but if not, there is something you can do. 

There is a way to make Allied International work harder to make you pay, and if they don’t fulfil their obligation, you won’t be obligated to pay.

This tactic revolves around…

How to pay Allied International Credit debt collectors

If you decide to agree on a payment plan with this debt collector, you have several ways to pay. You can pay:

1. Over the phone
2. Online through their website
3. By sending a cheque in the post

Should I ignore Allied International Credit’s letters or calls?

No, I don’t recommend ignoring all communications from Allied International Credit (UK). You’re not obligated to answer the phone to them, but it can be in your interest to reply to their debt letters in writing. 

Some people think that Allied is a scam company because they’ve never heard of them before. Others assume there has been a mistake, but even if there has been an error, it can be better to send a reply to let them know. 

So, how do you reply to Allied debt letters? I’ll be revealing two effective ways to respond shortly. Keep reading! 

What action can Allied International Credit (UK) take?

This is the interesting part. 

Debt collectors like Allied International Credit don’t have any extra power to collect a debt than any other company, including the business employing them to chase you. 

Debt collection agencies might be able to help track and trace debtors, but other than that they simply do admin work and try to communicate with you. 

That being said, they might contact you a lot and it could become frustrating. You can complain if they disclose your debt to other parties, including other people you live with. I’ll return to making complaints toward the end of this post. 

Will Allied come to my house?

Allied International Credit is legally allowed to knock on your door and discuss the debt. But as soon as you ask them to leave, they must do so or it could be considered harassment.

One of the biggest misunderstandings is that a debt collection business is bailiffs. They’re absolutely not. 

Very few debt collectors send people to debtors’ doors because they realise they have no authority in this situation. 

Bailiffs only come to your home to enforce court orders to pay a debt, and they must send a letter at least seven days before. Debt collectors cannot force an entry, take your goods or even give the impression that they’re bailiffs. 

If they do, you can make a complaint to the Financial Ombudsman Service. 

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Can Allied International take you to court?

The creditor you owe the money to can take legal action if you don’t pay. 

Allied International may assist their client in the process, but the claimant is the company you owe the money to – not Allied International.

Can Allied International send bailiffs?

The situation could escalate to the use of bailiffs to collect the debt, but this won’t be ordered by Allied and it would require some steps in between. 

Let me explain. 

Allied will usually threaten court action if you don’t pay, possibly in big red writing on one of their debt letters. This is mostly true. 

If you don’t pay, Allied can assist the creditor in starting legal action in the County Court. The creditor will ask the court to issue a type of order called a County Court Judgment (CCJ) to make you legally obligated to pay. You can fight back against their claims during the process.

But if the CCJ is issued and you don’t pay as instructed by the judge, the creditor can then ask to use bailiffs to collect the debt. This is best avoided because bailiffs charge expensive fees which you have to pay.  

What if I can’t afford to pay Allied International Credit UK?

Don’t worry if you can’t afford to pay the debt all at once. You can choose to pay via instalments that are deemed affordable in your situation. You just need to offer a reasonable repayment structure online on their website. 

To make an affordable payment plan, you might need to prove your income and your disposable income based on other outstanding debts. 

But before you start negotiating with Allied International debt collectors, you should assess all your debt solution options. This is best done with personalised debt advice from a UK debt charity like StepChange. 

You might get a better deal by entering into a debt solution that isn’t just a  repayment agreement directly with Allied. I’ve discussed some of the best debt solutions in this debt help guide. 

Can I stop Allied International from contacting me?

Kind of, but not entirely. 

FCA rules allow you to give Allied International Credit your communication preferences, which they must then adhere to. For example, you could tell them that you only wish to discuss the matter in writing at your home address. 

But you can never stop all forms of communication unless you decide to use a debt solution like a Debt Relief Order (DRO). 

Complain about Allied International Credit UK 

To make any type of complaint about Allied International Credit UK, you must first submit your complaint to Allied directly. I have provided contact information below to make this easier. Always keep copies of your complaints and any evidence you send.

If you’re unsatisfied with their response or if they don’t respond in a reasonable time, you can escalate the complaint to the Financial Ombudsman Service. This service includes a panel that will independently review the events and can significantly punish Allied. 

How do I contact Allied International Credit UK?