I had a run in with Activ Kapital about 6 months ago, they wrote to me out of the blue saying that a debt going back to 1998 had been passed to them and they required instant payment. To this day I cannot remember this debt at all, as I had had no previous correspondence about it I sent the template letter to them, at that time they were on the phone hassling me about 5 times a day, and lo and behold about a week later they replied stating that their file was now closed. I still think to this day that they were trying it on, so the template certainly worked for me. Good luck

hi, both credit cards were taken out in May 2007 so any help on my next step gratefully received!

Hi guys, usual story I suppose, got in trouble with missing payments by one or two days so loads of £12 late payment fees added to account which I see is administered by RBOS, these are already marked on my credit file at experian. Last month my marriage broke up leaving me with half incomings and two credit cards in my name. I wrote to Tesco, the outstanding balance is approx £1500 told them my circumstances and asked that they freeze the interest on the account and that I would pay by standing order £30 per month to clear the debt. This is all I can afford, so got a letter back today stating that the £30 is acceptable but as this amount is less than 3% of o/s balancethey are going to issue a default notice followed by cancellation notice 21 days later. Rather miffed at this attitude, should I now request a SAR with a copy of the agreement and challenge the penalties or wait for them to take me to court. Any help gratefully received, especially as my other credit card is with MBNA so I know I will be going to hell and back there! Thanks

hi Phillip Croft, I was the one who tried to get an Injunction to prevent the A and L from closing my account, and i t failed. There is a law report dated 1923 that states that a bank does not have to keep an account open even if it is in credit so long as sufficient account closure notice is given.I assume if you go down this road at some point the same details will be given to you by their barristers and you too will lose and be left with A and Ls costs bill, which they want paying pronto. If you want your account left open you could try writing to the BCSB and state that under their rules of conduct a basic account has to be offered and you require this account and for A and L to offer it to you, however the BCBS take for ever to reply to you so your account will probably be closed by then. Alternatively you could phone Jackie McGuirk who is the head of A and Ls litigation team at Narborough and ask her for a Basic Account, she is the one who is dealing with all the legal side of the crap that they are getting thrown at them.I dont really want a basic account with them but I am going to have it just to be a pain. I hope this helps, any query you can mail me.

To be seen to comply with the BCSB bulletin regarding account closures it seems that A and L HAVE to offer a basic account to be seen to be complying with the directives set out, the Judge has ruled that they have another 30 days before they can close my account, and yes, just to be a complete arse I will have them open a basic account for me, I'm sure they would rather not but I will take this marvelous offer up.I am still awaiting a reply to my rather stroppy letter to the BCSB regarding A and L behaviour but I rather fear that they are a chocolate teapot.

Hi Guys, no way will an injunction be issued to prevent account closure, I have returned from court today after attempting to do this and have failed, and have also been stuck with a costs bill which if not paid off in time sticks you on the County Court Judgement list. The piece of law that the Barrister for A and L quoted was a Times Law Report dated 1923, Prosperity Ltd vs Lloyds Bank Ltd, whereupon an Injunction cannot be used to prevent account closure.The only satisfaction got out of this was that the costs bill was cut in half and their barrister had taken 6 hours to drive to Sussex, Im rather miffed but did not really expect to win as the Judge had made it quite plain at the first hearing that their was no law in the land that forces someone to do business with another if they dont wish, and that suitable notice is given for account closure. No victory but at least a bit of grief for the crappy bank, who very kindly have offered to open a basic account for me................

Notice of Injunction Hearing sent to A and L by the Court on 12th September, hearing date is the 19th September, will they turn up... what will they have to say if they do, this could be interesting.

Im in the process of issuing an Injunction to stop them closing my account, they subscribe to the Banking Code Standards Board which in an airy fairy way tells its members not to close accounts in a tit for tat way.This is the basis of my Injunction plus reasons for not closing due to correct running of account.

See form EX160A on the Court on line website for who can get exemption

The Court Manager phoned back today, as well as the N1 an N16A has to be completed for an Injunction, which I have duly downloaded from the on line Court Services.I have filled it in and posted it back, so this will now be served as the Manager has approved the Fee Exemption, and every thing else is in order with the Injunction Application. It seems that it will go before a District Judge to be heard.

jovichick, if you are receiving CTC and file your claim at the Court Office you are exempt from fees, see court leaflet EX160A, this is how I have filed my claims against A and L, very easy to do and very helpful Court staff.

Back to Haywards Heath Court today, injunction filed to prevent account closure. The Court Manager was not available to speak to, but the lady who dealt with my application thought that it would have to go before a District Judge. Do not have the court number for the application yet as I dont have to pay the full fee for Service so they will advise details by post when the application is approved.

Hmm, fastest that A and L have moved on my complaint...a cheque in the post this morning in full payment of claim, with no admission of liability on their part! Also a nice little last line from them " as it is clear that you do not accept our terms and conditions for the operation of your account we will shortly be contacting you to discuss its future operation" Suppose that this will be where they tell me to get lost, in the process of drafting my injunction to stop this which I hope to file on Monday. Soon as this nice cheque has cleared will be donating 5% as could not have got this far without all the help from the forums and all the hard work put in by all you guys in charge. A big thank you from myself to you all

Thanks Michael, will start researching my N1 injunction now, looks like the timing and wording needs to be spot on.

having read the forum for hours finally decided to go after these rip off artists, have had two large blips in my account with them over the last 6 years, both times when the equally wonderful Tax Credit system crashed and refused to pay me for about 6 weeks. Both times spoke to A and L explained that temporary problem and could they please not add bounced charges to my account as I would never be able to get straight, both times they were adamant that as account was in red no overdraft would be offered and basically tough luck. At the time I was distraught as two young kids and no money, struggled through however, no thanks to the Tax Credit office who must be the most inefficient Government dept and thats saying something, tallied up what A and L owed approx 1200 quid, sent all the letters, last week trundled down to my local County Court and issued small claim no 6HH01760, today have received notice from the Court that they have filed Acknowledgement of Service, with intent to defend all of the claim. Looking forward to what happens next as Im not easily intimidated but what I would be interested to know is if they attempt to close my account which they no doubt will, what are my chances of getting an injunction to stop them, as to try and get the Tax Credit Office to pay into a different account is not something I would look forward too. I only have a basic account and this is the only money that goes in apart from Child Benefit. If anyone has any thoughts please let me know.