oh no! another debt back to haunt me

justbeansontoast

Evening all,

Im sitting here in a bit of a muddle. Feeling upset as I have done so well since plucking up the courage to post on here a few weeks ago.

I have contacted what I was sure were all the debt companies, and have made payment arrangements.

Tuesday this week was one of my proudest days as I paid my first months installments. (sad I know but it felt soo good!)

Then this morning I got a letter from a debt collectors called Aktiv Kapital Ltd. My heart sank

It goes on to say ' as you have been previously advised on 23rd November 2001, the debt accrued by you, has now been legally assigned to Aktiv Kapital. ' It states the original debt is owed to Powerhouse at £828!!

I honestly cant remember anything of this. I am frightened to phone to complain/enquire as it may be seen as an admission. What if this is another debt??

I know Im dozy, but I surely would remember. I havent brought anything from Powerhouse.

They are threatening court action. I had everything worked out to the penny with my debts.....

If I ignore this can thhey chase me as the date stated is almost 5 years ago now.

Please help.

jackieb

Was the letter in your name? Have you moved house since then?

justbeansontoast

Its in my name - all details correct.

We moved house about 4 months before that date...

justbeansontoast

Its in my name - all details correct.

We moved house about 4 months before that date...

justbeansontoast

Its in my name - all details correct.

We moved house about 4 months before that date...

justbeansontoast

Whoops!! butterfingers - im all a tremble

CLAPTON

you need to establish whether this debt is yours or not
send them a letter like this (send by recorded delivery and keep a copy of course)


I do not acknowledge ANY debt to your company or your client. I require you to supply the following documentation before I will correspond further on this matter.

You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within Consumer Credit Act 1974 (s.77 - 79 ) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.
I require a reply within 12 days.

jackieb

Sorry couldn't get back on.

I did find this though.

http://forums.moneysavingexpert.com/showthread.html?t=89287

justbeansontoast

Clapton, thankyou so much....

that is exactly the advice i needed. something practical to stop me feeling so angry and helpless.

will do this first thing in the morning.

i could kiss you! :kisses3:

justbeansontoast

thanks jackieb

just read through that entire thread. everything said there rings quite a few alarm bells.

i will definately follow Claptons advice - then time will tell...

i feel so much better now. x

jackieb

A problem shared, eh?

Glad you're feeling a bit better about it. Let us know how you get on.