Aktiv Kapital (UK) - Who Are They?

princesspop

rog2 wrote: »

Very briefly, pp - Debt Managers must provide you with a true copy of the original cca (consumer credit agreement) within 12 working days of receipt of your request and statutory fee. If they don't, or can't, do so, then they can no longer enforce the agreement without taking you to court, and are, therefore, in default. If, after a further 30 days they still have not provided you with the agreeent, then they have committed a criminal offence.

There are template letters - you will find links on this thread, which you can send to Debt Managers at the expiry of both the 12 working days (effectively 12+2 days) and after the further month.

Hope that clarifies things for you.

yes thanks this made me feel much better. could someone paste the links for these template letters, i can't seem to find anything like that anywhere!

p.s. this site has saved my sanity!!

rog2

princesspop wrote: »

yes thanks this made me feel much better. could someone paste the links for these template letters, i can't seem to find anything like that anywhere!

With pleasure pp (and the help of weller711)

1. If, after 12 working days (i.e. 12+2 days) after receipt of your request, the dca has not provided you with a copy of the cca, yet are still harrassing you, send them a copy of the letter that you will find in the following link:

http://forums.moneysavingexpert.com/showthread.html?p=6921563

2. If, after a further 30 days, they still have not provided you with a copy of the cca (which will, by now, require court permission to be enforced) then send them a copy of the letter in the following link:

http://forums.moneysavingexpert.com/showthread.html?p=6582439

Good luck.

princesspop

thanks much obliged x

Lissa21

hi there, apologies if this is already answered elsewhere...I am so angry and need to deal with this quickly so would be so grateful for a response....

Over a year ago I started getting letters fron Thames Credit threatening court action etc over an alleged £165 debt to GE Capital Bank that they had bought. I did some research, found these boards and sent off the first two recommended letters - firstly with a £1 PO requesting a copy of the agreement, and secondly when they didn't respond another letter reminding them of the deadline etc. I received a letter saying they were requesting the agreement from the original creditor and would require some more details from me, would I phone them. They tried to phone me, got a mouthful from someone else in the household and I never heard from them again. I was so pleased that they obviously didn't have the agreement. I haven't paid them any money. Anyway, I didn't follow up with any other letters.

In the last couple of weeks I applied for a loan and got refused twice. I just got a copy of my credit report and there is a Default on there for £165 from Aktiv Kapital who I take it are related to Thames Credit. This must be why I am not getting a loan, and I am so angry!

My question is, which letter do I need to send now? I still have the letter they sent me, but it has been a year now - do I have to go over the whole thing again requesting the agreement etc or is there a letter to send demanding they remove the default as no agreement has been produced?

Any information would be much appreciated. If only I had checked my credit report sooner...I do not remember receiving a notice of the default which I understand is illegal as well?

TIA

rog2

Lissa21 wrote: »

My question is, which letter do I need to send now? I still have the letter they sent me, but it has been a year now - do I have to go over the whole thing again requesting the agreement etc or is there a letter to send demanding they remove the default as no agreement has been produced?

Hi Lissa - initially I would start by sending them the 12+2+30 day letter (http://forums.moneysavingexpert.com/showthread.html?p=6582439 ) quoting the actual date that you requested the true copy of the original cca.
Underline the part which says that 'all defaults must be removed'.

If they do not remove (it is NOT sufficient to 'amend' to satisfied) the default within one month, then report them, in the first case, to Trading Standards.

Do not, for the moment, enter into any other dialogue with AK, as they will try their level best to divert your focus away from their, obviously failed, legal obligations.

Lissa21

rog2 wrote: »

Hi Lissa - initially I would start by sending them the 12+2+30 day letter (http://forums.moneysavingexpert.com/showthread.html?p=6582439 ) quoting the actual date that you requested the true copy of the original cca.
Underline the part which says that 'all defaults must be removed'.

If they do not remove (it is NOT sufficient to 'amend' to satisfied) the default within one month, then report them, in the first case, to Trading Standards.

Do not, for the moment, enter into any other dialogue with AK, as they will try their level best to divert your focus away from their, obviously failed, legal obligations.

Thank you so much for your response. I will send it tomorrow (recorded?) then wait. I take it I then have to check my credit report in one month to see what has happened.

Thanks again - I will update if I get a response!

rog2

Lissa21 wrote: »

Thank you so much for your response. I will send it tomorrow (recorded?) then wait.

You MUST send it recorded as you may need proof that they received it.

Good luck

inmypocketnottheirs

rog2 wrote: »

You MUST send it recorded as you may need proof that they received it.

Good luck

However, even recorded does not guarantee a signature. I am having a dispute with Shop Direct Financial Services/International Collections Group Ltd, and they do not sign for recorded delivery letters. Special Delivery (costs £4.60) guarantees a signature on delivery.

Beanie_Q

Hi,

I recieved a letter too from Thames credit asking to pay them. No reason given why.

I wanted to ask if i should just ignore them as if they are ligit and have valid reason then they will tell me for what I owe them money?

Thanks for the help

Regards,

kazza2828

Hi Can anyone please help firstly this is my first time on here so please be patient with me!!!!!
My husband has received three letters chasing a old debt that thames credit are saying they have taken over.... also this has had £10,000 interest added onto this...
They are stating that if he does not phone them they will either take him to court or send a field agent out to our house....
could anyone please advice what the best thing for us to do is.............
many thanks