Hi dannyboy, Thanks for the reply, i don't know where my brain was. lol

Today I had a phone call from a company called BTO collections from Glasgow. Activ have now handed the account to them to handle. After some very strong words , they told me they would contact Activ about the account. Once again false and misleading statements from BTO and Activ. I phoned Active told them they are in breach of the consumer credit act, and that a complaint against BTO collections would be sent to London Trading Standards to be added to the file they have from me. I was passed onto a Manager in the complaints Dept, she told me she was very sorry and that the account should have been closed when Activ was unable to supply a cca. My account will now be closed and a letter will be in the post to confirm this, also the file will be pulled from BTO collections. Waiting to find out if Pigs really do fly. Thanks to TS (not) they really are a toothless Tiger.

I will follow this with great interest, could this be one reason Activ were so friendly and helpful on the phone today. Trading Standards were looking into Activ being fit and proper to hold a Credit licence over a year ago, so what have they done so far. sweet F.A. by the looks of it. I did complain to BBC watchdog over a year ago, sorry to say they were not interested. But I would be very willing in joining others and trying again.

The saga continues. Latest letter from Aktiv. "We write to advise you that Aktiv Kapital First Investment Ltd has brought the interest of GE Capital ( First national Tricity Finance Ltd ) in the debt that you owe them under the above Agreement. We are acting as Collection Agent on behalf of Activ Kapital First Investment ltd. which is now the legal owner of the outstanding balance on your account. By processing your account through public databases it has been confirmed that Mr. ******* is living at the address shown on this letter." How has the alleged debt changed from DSG to First National Tricity Finance Ltd ? If they are writing to me, it is not a surprise that I live at the address. I have supplied London TS with copies of all letters and my replies, which they asked for. Are TS still looking into the conduct of Aktiv? Any help Please, I have a lot of health problems and can't put with this much longer. Thanks in advance. Aktivagain

Hi babybear, Thanks for you post. It took some time for Aktiv to come up with an oc name and reference, and that was only after me pushing them hard to do so. Would they pay people that write to them out of the blue with not such much as reference number? I will send their lastest letter and a copy of my reply to OFT in London it might help with the investigation into Aktiv. CAB have told me they are so overloaded helping people with debt that they can't really re-open my files even though they have them stored away. If Aktiv have no proof of the alleged debt and the oc has no original copy of an agreement , as CAB said "more fool them for buying Debt's without the paperwork to back them up" I will try the new letter, and fingers crossed it be the end. Regards Activagain

Hi all, Help needed again please. My request for a CCA from Aktiv expired on 25/12/2007. All was quite until today 15/03/2008. A new letter stating a Dedt collection agency had been asked to contact me, but had now passed the Dedt back to Activ. Funny that no one contacted me. Aktiv are putting pressure on again to arrange a payment plan. OFT in London have copies of all my letters and the Letters from Aktiv, they are looking into the fitness of Aktiv kapital to hold a credit licence. Can someone please help me get these people off my back. Regards Activagain

Hi, My CCA request expired on 25-12-07, so far no more contact from Activ. Fingers crossed. But OFT in London wrote to me today asking for copies of all letters from Activ and any repiles I sent, plus any phone conversations I might of had with them. So first thing Monday everything will go in the post. OFT stated they will not be unable to tell me what Action if any they take against Activ. Also they will not tell me of any adverse information they hold against Activ. I hope this is the start of Activ being made to get there house in order. Thanks to all that have helped me, and good luck to all in the forum. Activagain

Thanks Moonhawk and Curlyben for your help and advice. One part of the letter I received this weeks States. " As you are not specifically denying that you a have knowledge of this debt , nor are you specifically denying that you are libel for the debt there is no reason why our debt collection activities should be suspended against you as you have previously made payments against this account " I have several times disputed this debt in writing. They give me 10 days to reply or face further action. . So I will sit back and just wait it out. Activagain

Hi MoonHawk, Thanks for your help. Activ still refusing to respond to CCA request and still threating action. I have started a new thread at. AKTIV KAPITAL --DSG 3710 Because of several health problems I feel I should just pay up and settle. OFT and TS have been of now real help. Regards Activagain

Aktiv been contacting me on and off since 2005. Alleged debt with DSG. I have had no credit or debts since Jan 2003 when I paid all credit or debts off. I have asked several times for proof and just been lied to. I.E. made payment in 2004, acknowledged the debt, both false When I pressed for proof Aktiv went quite for nearly a year.Then another letter. Nov 13th sent request cca . Reply on th 15th sticking two fingers up to my request. The letter gave me 10 days to make payment agreement, and that they saw no reason why they should put legal action on hold Putting another letter together with the help of the forum. I am so pleased to have found the group. Reply from Aktiv in response to CCA letter. " In response to your request for information under the Consumer Credit Act,please note that we are not the original creditor nor did we provide you with the original credit facility. We purchased your outstanding debt balance and the right to collect that balance, together with the right to apply interest in accordance with your original Credit Agreement ( where appropiate ). We did not purchase your actual Agreement, consequently we have no obligation to provide you with a copy of that Agreement. However as a matter of good practice, we have tried to obtain a copy of the original agreement from the original creditor and they have advised that it is not available. In the meantime there is no reason why our debt collection activities against you should be put on suspended. We are the Legal owners of your account and your liability is now to us in respect of repaying the outstanding balance that was purchased by this group of Companies. It is therefore in your best interest to agree an instalment arrangement with us, or discuss terms for settlement ( we may give you a substantial discount on the original balance for early payment), within the next 10 days." I really like the veiled offer of a discount. Any ideas please? Letter received from Aktiv today 6 Nov 2007. More or less a repeat of the previous letter giving me 10 days to pay or make arrangements to pay. and stepping up the threat to put the alleged debt back in the hand of the collectors. Still refusing my request for a CCA , claiming they own the debt and the right to collect and do not need to supply an agreement. Along with the usual Bull**** about how in the interest of good practise they have tried to obtain a copy. But it is not available. I have spoken to OFT and they have passed on my complaints to Cheshire TS, but I was told they would not talk to me direct. Any one have any adive how to get these leeches of my back? regards Activagain

AK accused me of making a payment on an alleged debt and when I pressed them for proof all went quite, also they have tried the " You have acknowledged the debt routine " they really must try harder.

With all the problems with AK how about we all contact BBC Watch dog. I would like to see AK squirm on TV.

Hi MoonHawk, Thanks for your help. I did send a £1 payment with the CCA request but I'm unable to prove they have cashed it. the letter I received yesterday states they will not put legal action on hold and I could be charged interest on the alleged debt. I have 10 days to responded to dicuss payment terms and I quote " We may give you A substantial discount" They also state that they purchased the outstanding balance and the right to collect. they did not purchase the actual agreement and have no obligation to provide a copy of any agreement. Should I just sit tight or send them a letter reminding them that the 12 days have expired within which they acknowledged my request for a CCA and also to point out when the 30 day time limits expires. Thanks for your help. Regards Activagain

I also sent a CCA request to AK 12 days ago. Today I heard back stating they do not need to supply information as they bought the debt and not any paperwork to go with it. They also said that any legal action will not be put on hold and that I could have to pay interest from when the alleged debt arose. Which at the very least must be over 5 years old.They told me I had made payments against the alleged debt in 2004, which I know to be untrue. So I am waiting for the 30 days to run down. Should I contact them or just wait and see?