Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
If you have a valid debt, irrespective of how it be made up, then the CRAs will report on the status of the debt and the outstanding balance etc, if the courts decide in your favour and the bank refunds your charges, then this should be reflected accurately on your credit account.
If the court rules in your favour that there is no debt to answer to, then the default should be removed from your account
Aktive Kapital are a debt collection agency - enougfh said, they will try to get as much money from you as they can in as short a time as possible.
if you haven't already done so, request the CCA, if nothing else it makes them prove that they have a right to collect on the debt
Aktiv Krap are a nasty bunch of chancers who go after statute barred or almost statute barred debt
"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.
Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.
If you do PM, make sure to include a link to your thread as I don't give out advice in private BB 13 - DCAs/banks and solicitors 0.
I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...
<--- If you feel I've helped, please twinkle my star
Aktiv Krap are a nasty bunch of chancers who go after statute barred or almost statute barred debt
yep, this account has around 3 months to run on it till S/B, however they tried to get it quite some time back to no avail, so looks like they trying before S/B.
Be careful with your CCA request. Be sure to say that you do not acknowledge the debt and the £1.00 is for the statutory fee only and is not a payment towards the account.
Not sure what would happen if you didn't send the £1.00 - it might make them write & ask for it, which would be good, or they might not bother with the pound.
Personally, I'd wait 'til it is statute barred and then send them the SB letter
"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.
Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.
If you do PM, make sure to include a link to your thread as I don't give out advice in private BB 13 - DCAs/banks and solicitors 0.
I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...
<--- If you feel I've helped, please twinkle my star
Accounts made up of charges + processing data
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Originally Posted by babybear39
