aktiv idiots

sally29

god, i am still so angry,and i did loose the plot with the idiots at aktiv, now what i want to know is how and who do i report them to.

the story is back in Dec i ask Aktiv for the CCA on the a/c, they couldn't supply it, they have had all the letters, they acknowledge they didn't have any paperwork but they were still going to collect the debt !!!

any way they have sent many letter most with some sort of threats, i have just binned them, the phone calls also were a pain, so i sent the "don't phone me letter".

well this weekend they have been phoning, which i did tell them they shouldn't and i would not confirm my details, (that really gets them ! ),
so to the problem from today. got home at 5.30, middle son said there had been a call from "Steve at AKTIV KAPITAL" and could i phone him, he also left my A/C number with the same 14 yr old. I was so angry i phoned them, but Steve was on the phone and i could only speak to a stupid woman, she said they were in the right phoning and leaving messages, i was so angry at that point i told her to shut up and listen to me as i was not going to have my details left with a child and that i was going to report them.

now i have had a rant, who do i report them to?
thanks

Sally

sally29

are they allowed to give information out like that to another person,??

nimbo

i didn't think that they were as it would be admitting that Ms. XXXX had an account with them in the first instance, and to give out the account details is surely REALLY bad as any mum/sister/housemate could fill in the blanks of and what is your date of borth rubbish that they ask as security questions...

sally29

thanks for that, but does anyone know who i report them to ?

RAS

List of contacts below. Start with Trading Standards where they are based and the CCA, but in this instance, they are breaking the DPA, so complain to the Information Commisioner as well.


Office of Fair Trading, Contact page: http://www.oft.gov.uk/advice_and_res...ase/legal/cca/

The Information Commissioners Office, Complaints page: http://www.ico.gov.uk/complaints.aspx
(note: I chose to complete and download the .pdf form on Data Protection, which I am also sending to the other offices, with an accompanying letter)

Trading Standards, Central office homepage: http://www.tradingstandards.gov.uk/
-Please note, you can search by inserting the postcode in the top right hand corner, remember to use the postcode of the DCA rather than your own-

Consumer Credit Association, enquiries page: http://www.ccauk.org/consenquiries.htm

the Financial Ombudsman Service, Contacts page: http://www.financial-ombudsman.org/contact/index.html

Members of parliament list, (as provided by RAS): http://www.parliament.uk/directories/hciolists/clomps.

rvar

They have been harassing me for weeks. I'm a victim of id theft. I wrote to them with all the details explaining the debt they were chasing was nothing to do with me and related to an address I have never lived at.

They still kept phoning I told them the same thing everytime, they still phoned. Got the Police round gave AK the details - they still phone ! I try to reason with them makes no difference except they now phone twice a day.

I reported them to the OFT via the OFT website.

This is their reply:

Thank you for your email received on 23 February 2008. I sincerely apologise for the delay in responding.

I am very sorry to hear about the difficulties you have been experiencing however, the OFT has no authority to become involved in disputes between consumers and traders and so we cannot offer you any direct help with the complaint or advise you directly in this matter. Our role is to protect the collective interests of consumers.

The Consumer Credit Act 1974 (the Act) establishes a licensing system to protect the interests of consumers in the credit area. If a business wishes to undertake the collection of debts that arise from consumer credit agreements then the Act states that they are required to hold a consumer credit licence; this is issued by the OFT.

Aktiv Kapital (UK) Limited does hold a consumer credit licence. Under the Act, the OFT has a duty to consider the fitness of all traders who hold consumer credit licences.

In considering fitness we take into account whether a business has engaged in improper business practices. Where we receive complaints about the business practices of licensees, we investigate them and where appropriate we take enforcement action; that action depends on the evidence and circumstances. Action the OFT can take includes revoking, refusing or suspending a licence; or placing conduct requirements on the licence of the company or business in question (failure to comply with a conduct requirement can result in a financial penalty being levied).

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat debtors fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: http://www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection

I have noted the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any licensing action we may decide to take. If we do take any licensing action against this trader, it is likely that we would need to disclose your identity to this trader along with details of your complaint. I should therefore be grateful if you would provide me with written authorisation to disclose your details to the trader. I have enclosed a disclosure consent form for you to sign and return to me.

Should you require specialist, face-to-face assistance, or intervention, you may wish to seek legal advice either through a local Citizens' Advice Bureau or directly from a legal adviser.

The Financial Ombudsman Service (FOS) can help with most complaints about consumer-credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the financial institution itself. FOS can be contacted at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone number, 0845 080 1800, or www.financial-ombudsman.org.uk.

Thank you again for writing to us and bringing this matter to our attention.

So please complain the more the better. If OFT do nothing I'm going to contact them via my MP

Numpty_Monkey

not much of any practical use but have a read of this thread

http://forums.moneysavingexpert.com/showthread.html?t=741653
xincoxcide legendary thread

might give you a few ideas when they phone again

jacki

RAS wrote: »

List of contacts below. Start with Trading Standards where they are based and the CCA, but in this instance, they are breaking the DPA, so complain to the Information Commisioner as well.


Office of Fair Trading, Contact page: http://www.oft.gov.uk/advice_and_res...ase/legal/cca/

The Information Commissioners Office, Complaints page: http://www.ico.gov.uk/complaints.aspx
(note: I chose to complete and download the .pdf form on Data Protection, which I am also sending to the other offices, with an accompanying letter)

Trading Standards, Central office homepage: http://www.tradingstandards.gov.uk/
-Please note, you can search by inserting the postcode in the top right hand corner, remember to use the postcode of the DCA rather than your own-

Consumer Credit Association, enquiries page: http://www.ccauk.org/consenquiries.htm

the Financial Ombudsman Service, Contacts page: http://www.financial-ombudsman.org/contact/index.html

Members of parliament list, (as provided by RAS): http://www.parliament.uk/directories/hciolists/clomps.

Thankyou i will report them also, mines been going on for years.Spoke to FSA but they said can't do anything because it started in 2006.I've even got copy of credit agreement, only one christian name and surname the same. phone no. on it rings. I,ve been passed from one creditor to another, Its amazing how much info i have on this other chap. DOB. NI.no mothers maiden name that he's self employed. The list goes on, If i can find this info an ordinary jo soap. Why can't creditors and investigators get it right without assuming it must be any body on electoral roll with same initials, He even lived apx 25 miles away.

RAS

Definately the Information Commissioner in your case. That' will liven them up. Plus the Trading Standards nearest their office, who license them.

Read the OFT Guidelines first and quote the items that they are breaking.

best of luck.

fermi

It's the OFT that issues (and can revoke) a Consumer Credit License. Make sure you complain to them as well.

Since the beginning of this month the OFT have been given enhanced powers to enforce their guidelines and revoke licenses if necessary. They can't take action on an individual complaint, but they will use it as evidence against a DCA/creditor if enough complain about the same company.

They have already given 13 DCAs/creditors a warning this month to clean up their act, or they will lose their license.

RAS

Just had a look at the press release. Interesting statistics

7. The Credit Services Association (CSA) estimates that there are around 450 to 500 debt collection businesses in the UK (where debt collection is the primary activity) of which approximately 292 are members of the CSA.


6. Since the OFT's debt collection guidance was issued in 2003, action taken by the OFT has resulted in the issue of nine notices to debt collectors that the OFT was minded to refuse or revoke their credit licences and a total of 137 warning and advisory letters have been sent to 120 licensees.

So one quarter of DCAs have had some sort of warning from the OFT!

Certainly indicates the level of compliance that one would expect from a well regulated industry