Aktiv Kapital Advice Please.

Pinkruth

Hope this is in the correct place.

Ive been trying to sort out my credit file for a good 3 years now and Im almost there.

I had a store card as part of a work incentive when I worked for Arcadia as a manager, but after leaving due to medical reasons I fell behind and ultimately defaulted for £339. This was back in 2007.

This was showing on my credit file and as I received a letter from Aktiv Kapita advising me I could receive a 30% reduction if I made a payment plan arrangement I went online and set this up. Initially in October 2010 I made payments on my debit card and received an email confirmation stating that I would pay 7 payments at £30 and then a final payment in May of £2.23. I was on their green payment plan. In January I changed my payment method to DD.

Perfectly happy about this and glad to be paying it off.

Now I called them this morning to confirm that the final payment of £30 would be leaving my account on 1st April and the final over all payment of £2.23 on the 1st May to be told that it isnt the case and that the final payment is August.

I calmy explained that I had an email with a payment plan that stated otherwise, and the 'gentleman' got quite shirty and said 'well thats not right'.

I have kept to the agreement and never been late with a payment. Do I have rights argue my case and only pay the agreed amount on the payment plan that includes the balance reduction incentive? Has anyone else experienced this comapany going back on their word over incentives???

I am waiting a call back from the person who set up the plan so any advice would be appreciated.

Hannah_10

Well first see what happens in the call, then if you aren't happy stop your DD (and make sure you tell your bank not to accept it being set up again either) and put your complaint in writing. It doesn't mean you can't pay by cheque/bankers draft but it does send a message that you wont let them dip your account. DD is not a safe method of payment anyway. See this https://forums.moneysavingexpert.com/discussion/2719675 (although this call you're expecting is the exception to the rule).

Pinkruth

Hannah_10 wrote: »

Well first see what happens in the call, then if you aren't happy stop your DD (and make sure you tell your bank not to accept it being set up again either) and put your complaint in writing. It doesn't mean you can't pay by cheque/bankers draft but it does send a message that you wont let them dip your account. DD is not a safe method of payment anyway. See this https://forums.moneysavingexpert.com/discussion/2719675 (although this call you're expecting is the exception to the rule).

Thank you for that.

It angers me to be honest. :mad: I felt I was doing the right thing, but feel they may try and take advantage. I will see how the call goes (if I get one ), and if Im not happy I will post them a postal order with a letter complaining and ask that they accept the PO as full and final settlement of the account, recorded delivery of course. I will also cancel the DD and speak to my bank re not re-instating it.

We'll see how the phone call goes first.