The CCJ is at a previous address - we knew nothing of it (even though we had a 6 month postal redirect which should have covered the dates stated on the CCJ). It was Northampton for £315. And re: phoning OK I'll let the other half know! thanks.

cheers I have done just here... http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/73400-bcw-aktiv.html thanks

Hi Bit of a long one I'm afraid: Back in November other half received a final notice of payment of a debt from BCW on behalf of Aktiv Kapital. We knew nothing of this debt and checked on Equifax and Call Credit - nothing showing. We sent a CCA request for copies of the credit agreement, deed of assignment and statement of account - copied to BCW and Aktiv by recorded delivery. Over a a month later we get a photocopy of the credit agreement from BCW - but no deed of assignment or statement of account. We reply again asking for this information - yet all we get back is another formal demand - with the comment that we are not trying to resolve this issue - when we clearly are. We talked to CAB and they phoned BCW demanding the deed of assignment and statement. BCW stated account was on hold until these arrived. 1 month later no paperwork appears but another final demand. In the meantime other half contacts Experian and low and behold she has a CCJ against her from CL Finance on behalf of GE Capital for £315. This was news to us! We contacted the court and got a copy of the judgement summary (no further details though). So we phoned Aktiv 2 weeks ago asking for deed of assignment and statement of account. They said they'll post them. 2 weeks go by we get another final demand from BCW. So today we phone Aktiv again, and state that we need to see the deed of assignment and statement of account. The Aktive chap was all defensive and stated that it would take 12 weeks to get the details from CL Finance as they didn't have them. Though he did finally concede that he could fax over the deed of assignment (not received yet) He then went on to say that it would cost Aktiv more to get the details than the value of the debt (£315) - so he made an offer - pay now over the phone for just £185. This seems very odd why take less money from us than the debt is worth? I guess our concerns are these: we still don't have any written proof of the debt (statement of account) we still don't as yet (though we await the fax of the deed of assignment) that Aktiv are the "owners/managers" of said debt if the debt is real we want make sure the correct creditor is paid to clear the CCJ (is this GE, CL, Aktiv or BCW). edited to add that we have the fax of the deed of assignment. Should we ask Aktiv to fax us their offer and the conditions it applies - so we have physical evidence. Or should we write (again) to them requesting the statement of account. If we do take up the offer, what do we need of Aktiv to get the CCJ cleared? sorry its a long one - but thanks in advance if anyone can help. CD

Hi All I've got issues with debt collection and this site was recommended highly. cheers D