GE Money - CCJ - Need advice

[MindyBounce]

Hello everyone. My husband had a store card with Burtons (GE Money), he missed some payments and it went to debt collection agency, we can't remember which one?? Then eventually it went to court and he got a CCJ!

I tried to write to GE Money asking for original signed agreement on 10.3.07. They never got back to me. I then sent a letter asking for all the statements for the last 6 years on 28.4.07.

The first reply I got was from Aktiv Kapital saying that he owes them the money and to send payment ASAP. We have never heard of them and he is currently paying the courts. I then sent a letter to Aktiv Kapital asking them for the original agreement and they replied saying they can't locate the account so can we send extra identity details. I then received a letter from GE Money saying they cannot locate the account. Unfortunately we never kept any statements or account numbers or anything so we only have a name and address.

Can anybody advise on how we ca get a copy of the original agreement from GE Money? what do I do with Aktiv Kapital?

Can someone also advise me on if GE Money cannot find the original agreement how does this effect the CCJ??

[grobbo24]

I am in a similar situation with GE and Aktiv, except that the CCJ was taken out by First National before it became part of GE, a couple of years later Aktiv Kapital purchased the debt.

I have CCA'd both companies and neither can supply the original agreement as they don't have it!!

I have also requested copies of the CCJ paperwork from both companies, according to Consumer Direct they would need this to enforce the CCJ as I have found out that the relevant court does not have copies of the said paperwork. Consumer Direct told me that if I stopped paying Aktiv then they would have to pass the debt back to GE even though they have sold it as Aktiv can't enforce the CCJ as they did not take it out.

This seems that I could be in a good position as GE have already told me that they do not have any paperwork on me or recorded in their system, they are currently looking into this and have been doing so for the last month and will let me know in due course.

Aktiv have failed to reply to my request for copies of the relevant CCJ.

So, I have stopped payment to Aktiv this month and will see what happens.
By the way this no longer shows on my Credit File as it is over six years old.

MindyBounce, this could be something you could try yourself, send Aktiv a CCA request and a request for copies of the original CCJ paperwork and send a request to GE for a copy of the CCJ paperwork aswell.