Linda,(posted 7530 days ago)First of all I would suggest you read my posting under "Should I pay up ??" dated 8th September 2003, and see if anything applies to you e.g. statute barring, CML 6 year voluntary code etc. AIC seem to have taken over from JDL debt collectors recently, if it were me I would write to AIC and ask for proof that the alleged debt has been assigned to them by the lender, making sure not to acknowledge the debt by including the following wording "this request does not constitute an admission of any liability and is not an acknowledgment of the debt". If AIC don't co-operate then I would cut them out of the equation and deal directly with NHL/Paragon.
You may well have a data protection issue here, how far it will help I'm not sure. I think there were some earlier postings on this either by Chris or Sue, perhaps they can advise ??
I'm not certain but I would imagine that the Pool Indemnity Claim means that the lender has claimed on an insurance available to them, this won't help unfortunately as the insurer can still claim their loss back from you directly or, more usually, get the lender to recuperate the money under the rights of subrogation.
Mark.