Thread: Received CCA from Aktiv Kap could someone have a look please

Have received the following CCA from Aktiv Kapital regarding my Store account your thoughts/opinions were on i. Hopefuly I will manage to post this CCA up on to the forum as I am not very computer literate but I shall try. Any comments welcome.

CCA Picture

It worked! Looks fine as far as it goes - apart from the date! I'm assuming it has been signed by the applicant?

Thanks busby and Idainfife....so you both are saying that this application is enforceable...I did think the date looked sus, at first we thought it was 22-6-09 but I think it is meant to be 22-6-00 when the account was opened and yes it does have my signature on it.
Suppose I need to contact them and make arrangement for payments hopefully they will accept a very small payment as unfortunately at present there is no extra funds in our house.

Hi Ida many thanks for the pointer.. I have been paying this debt to Aktiv Kapital but had to miss my payment this month....didn't have enough to go round so I will send them this letter tomorrow with a token payment and eat humble pie and see what thier reaction is. Now they know they have the ball at their feet I suppose they shall start laying down the terms. I do notice on this agreement there should have been two pages back to back do you think it would be worth asking them to produce the terms and conditions in full or is that just clutching at straws....many thanks for your help on this matter I do have another CCA to put up but need help to that and my hubby is not a well man so need to wait until daughter comes in. But again its from GE Capital/Store Card so I would assume it shalll be enforceable also. cheers for now

Hi
On this thread I posted up a Credit Agreement from GE Money which yourselves and I thought could be enforcable. I have just been checking paperwork again and wondered what thoughts you would have with this scenario..... On the posting #1 on this thread is the copy of agreement on this copy it has an account number and states its for my evans account but on checking my evans account it has a completely different account number on my statements and demands for money, has anybody any idea how this could be as the nubers are extremely different and I have just noticed that the date on this agreemnet is signed and dated 26 jUNE 2009 i THINK THIS ACCOUNT WAS TAKING OUT IN 2003-2004. I would appreciate it if anybody out there can have another look and comment.
As I cant understand why these account number should be so different and the date...well I cant explain that either.

Cheers everyone hope you have a lovely evening.
afw

You need to post everything up, mate. Nobody can help until they actually see the stuff.

Hi flyboyagain
What I am trying to say is:

1. The CCA for my evans account from GE Money that I have posted on post #1 states the account no. as 63191*********** .

2. On my Evans statements and the demands for payment from GE Money and debt collectors the account number is a completely different no. and I cant undersatnd why this should be.

3. Also the date of the GE Money signature on the agreement is 22/6/2009 I took this out in 2003-2004

CCA AGreement for viewing

Have you signed another account with them? If not, they may be at it, though I know from experience that lenders can change account numbers for reasons lnown only to themselves.

There is definately something going on as the two account numbers dont even resemble each other in any way.
Has anybody any idea what I should do.

1. They have sent me a CCA for Evans account with my signature on it.
2. Checking my evans account this does not match the number on CCA
3. Should I write and tell them numbers dont match or leave them to find this out for themselves. On phoning them to make a payment plan they were very cheeky and obnoxious should I ignore or tell them.

ANybody out there with any advise please feel free. As I feel inbetween the DEVIL & THE DEEP BLUE SEA.
Cheers
afw

You need to be confident on when this account was taken out; there is a big difference between 2000 and 2009. However, you also state that the account was possibly opened in 2003/4.

Once you're clear on what account you are actually dealing with, I'd certainly write to them and point out this account number discrepancy. Furthermore, it's in their nature to be rude; it's called having power over someone and they will lord it over you.

First rule: take control.
Second rule: don't grovel to them.

Phone up the National Debtline National Debtline – Free, Confidential Debt Advice – Call 0808 808 4000 and speak to them and download their financial statement template. You also want to approach your local Citizens' Advice Bureau to help you initially, but I'll bet they are swamped right now. Don't let the DCA/creditor bully you into paying what you can't afford, and don't offer them any settlement until you are sure you are dealing with a valid account that has not been tampered with!

Hi Folks

I have subject accessed GE Money regarding this Evans account as I had a demand for payment from AK regarding the Evans account however because the Account Numbers were so different I wrote to AK regarding this and I received a reply today by Recorded Delivery stating that GE states(The reason the account number on the original Credit Agreement differs from the current account is because you were issued with a replacement credit card bearing the current account number.)

They have not stated when where or why this account/card was replaced can anybody tell me am I entitled to know these details before deciding whether this is enforceable or not also as you will see on the agreement that is posted on post no. 1 the date of their signature states 22/6/09 I cant be sure but almost positive that this account was opened 2000. I should have a better idead when or if I receive their SAR from GE(Santander).

1. Am I entitled to know why this account number was changed as I dont remember them changing it ?.

2. I havent pointed out the date discrepancy yet about to do that in my next letter once I can find out what I am entitled to know.

I need to reply soon as they have threatened me with Court Action now they have original CCA (well thats what they say) would they have to prove in court when, where, why or how they changed the account numbers as certainly did not sign for any change. I am sure that would mean a change of contracts surely if they were changing account numbers.

I have posted up a copy of their letter, any chance somebody could have a look and let me know what they think as usual all comments welcome.
Cheers
afw

Hi Ida
JUst a wee up date.....sent AK letter asking them to put hold on the account as you advised in your last post, received letter yestereday from them agreeing to this can't thank you enough without your guidance I would not have even contemplated asking them to put a hold on this account especially for 60 days however as the saying goes IF YOU DON'TASK, YOU DON'T GET. Still awaiting reply to SAR from GE Money, if and when I get a reply I shall let you know.
Cheers
afw