Success with Aktiv Kapital, but...

martlewis

So a week ago I sent CCA requests to Aktiv Kapital about two Barclaycard accounts. On Friday I got letters back saying they "do not hold the documants as they are not the original creditor, and Barclaycard have been unable to provide them upon request. We will now cease all further collections activity in regards to this matter, whilst not in possession of such documents."

Should I now be looking at asking for the payments I made to them back as they never had the documents or is that asking for trouble?

Also should something be done about my credit files now this matter is in limbo?

Thanks.

fermi

No CCA just bars enforcement action through the courts. (Until they find one). Doesn't mean you can claim back previous payments.

When people started requesting CCAs en mass a few years ago, a very very small number of people managed to claim back. But DCAs have now wised up, and I'd say it would be pointless to try.

High Court rulings currently say that a creditor is still allowed to default your credit files while they haven't complied with a CCA request.

DGJsaver

martlewis wrote: »

Should I now be looking at asking for the payments I made to them back as they never had the documents or is that asking for trouble?

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