Apparently everything has now been dropped by Aktiv. I was sent confirmation that the FOS had received an email and a copy of this email. The email stated that GE Capital were incorrect in selling the debt. Nothing has come direct to me in the post though from Aktiv. I might now put a complaint in against GE Capital as this has caused no end of issues this year with credit/ mortgages

Can anyone tell me what my next step is?

I have now received a letter back from Aktiv Kapital saying that they are looking into my complaint from the FOS and reverting back to the original creditor (GE Capital). They aim to get back to me within 28 days. Is there anything else I can do now in this time to get my default removed or is it now a waiting game?

Just received a call from Thames Credit leaving a voice mail asking if I can ring them regards the FOS complaint. Should I ring them?

I have not sent the Notice of Pursuant yet as I have now started a complaint with FOS. The incompetence of Aktiv Kapital and Thames Credit has amazed me. I sent them details of the agreement, payments from bank statements, all which they should have. I have not received anything showing any details of the debt from them even though I sent a letter asking for the CCA on the 7th of April . Even with all the proof that the agreement was paid off before the 12month deadline date they sent a letter back saying that from the information that I had provided it proved that I had missed the 12month deadline and was liable to the interest on the agreement. Did they actually read the letter that I had sent or looked at any of the dates on the agreement! I have now sent the same letter back again with all the dates enlarged and bold. If this did go to court I'm shocked at how bad there incompetence would look. Hopefully the FOS TS or OFT can sort this out in some capacity?

All the information has been sent to Aktiv and Thames showing on a statement a bulk amount being paid in October 2005. I have also complained to the OFT due to still not receiving my CCA or statements after asking on the 7th of April 08. The OFT said they are looking into it. I am still receiving harrasing letters from Thames and I now have a default on my credit file 1 month before I look at re mortgaging my house . What more can I now do?

Received my bank statements today from 2005, which show that I paid off the credit agreement before the deadline , should I send a copy to aktiv?

Should I not send them a letter to there complaints department firmly saying that I have not made any communication to acknowledge the agreement and set up payment?

The weirdness continues, today I received 2 letters from Activ Kapital. The first saying 'We refer to your recent communication and write to confirm that your offer of re-payment has been accepted'. Repayments of £5 a month starting this month. I have not contacted them apart from send a letter asking for the CCA, so this is very annoying. They also sent me the letter saying that 'They have no obligation to provide the CCA as I have also acknowledged the account by agreeing to make payments of £5 a month. However as a matter of good practise we will seek to obtain a copy of the original agreement blah blah' What should I do now as I have in no way acknowledged the account!! I was going to phone but have decided to seek more advise on what to do now. Thanks

Thanks

So I still dont have to do anything? Should I wait or send a letter to Aktiv?

I cant remember as it was so long ago, I think they did. Its getting even more weird now as today I received a letter from Aktiv Kapital for FORMAL NOTICE OF ASSIGNMENT OF DEBT. It says that all communications now has to be through them and that imediate payment on the full amount is now required. Does this mean that I have now got to send them a letter asking for the CCA? Are Thames Capital now nothing to do with the debt? I know that they are a sister company but should I just be communicating with one company. They seem to make things very confusing

I'm getting statements at the moment. My only worry is that even though I paid GE Capital over the phone the payment was not processed until after the deadline date. The statement will show the processed date not the date I rang. All hearsay until my statements come through so I will have to wait and see.

Thanks for that. I will wait and see what happens and not send them any responce to their letter

Hi all I recentlly received a letter from Thames Credit saying that I owed them £1500 from a credit agreement in 2004 that was defaulted against my name in Nov 2007. I knew that it was a 12 month intrest free agreement for a computer that I bought from Comet as I still had the agreement and checked the number. I rang and payed this agreement off in Oct 2005 over the phone before the 12 months deadline so that I would not have to pay any intrest. The account as far as I was concerned and from what they said was then closed, so I cancelled my direct credit, recently after I moved house. I rang Thames Credit and GE Capital, even Active Capital but noone would give me any information about the account or the payments only that the last payment that I had paid was in Oct 2005 for £800 (my closing amount) but the account was not closed! (I'm wondering that even though GE Capital took it over the phone they did not put it through until after the deadline so that I incurred the intrest charges!!) After looking through this forum I have now sent off the letter asking for my CCA. Yesterday I received the bog standard letter saying that 'they are not the original creditor blah blah blah but as good practise will seek the agreement from the credit grantor'. This is all fine, what worries me is that at the bottom it says that 'unless we hear from you by telephone or writing within 7 working days the matter will be passed back to there collection division'. Has any one else had this letter as this part is slightly different to the letters I have seen on this forum. Is there a letter I should now send them back within the seven days or should I wait to see if they can send me the credit agreement and balance statements etc with in the 12days set out? Thanks for any help

How did this end, I am having the same problem with Thames Credit and was wondering if they did indeed remove your defaults on your credit history?