Hi forum. I rellie paid it off for me £`150-00, and received letter of conformation, stating its been settled, Now how do I check they have removed it from my credit file without spending bucks on it, will they mark it as satisfied or just remove it?. Dozy Ps . where is the forum for DLA (disability ) located on this site.

Hi forum I phoned them this morning, its genuine deal , and because of delay in post arriving they have said I have till end of month to pay up. now a question , I wonder if the credit crunch is going to effect other debt collectors, in this way , can i hope for more of the same. Dozy

Hi forum Here is a a excat copy of Activ kapitals letter to me, I must find out if this is legit and what/where are the catchs ,before I go tapping people for some money. Letter Dear Sir every single day in the newspapers,we read something about the "credit crunch", and we wonderwhat excatly that means to people. Our company, the Acktiv Kapital Group, has millions of customers worldwide, and we have decided togo against the "credit crunch", to try and help our vauable customers. We intend to make this short and sweet. Your balance is £3***-** WE WILL ACCEPT £150-00 IN FULL AND FINAL SETTLEMENT You have not misread the last sentence. We will accept £150-00 in full and final settlement! . There is no catch, but there is just one condition. YOU HAVE ONLY 10 DAYS FROM THE DATE OF THIS LETTER (08/09/08), TO ACCEPT THIS OFFER. So, you need to telephone us immediately, as this is a one off opportunity for you to clear your debt (where appropiate, we will update your credit file to showthat your debt is satisfied, which could be helpful to you Yours ****** Ok now Guys , where do i go /what do i do , The letterheadings are excatly the same as previous letters from thames credit (aka Acktiv), phone numbers are all the same,as are addresses,agreement numbers are same ,ref numbers are same , My plan monday morning is to phone thames (activ) just asking about balance etc, not letting on about letter , to see if they bring it up, if they do would that seem ok to you on forum, Also how will i know that they will just take my £150-00 as part payment, tha way i look at it is this if thames brings up this letter when i phone , it would appear to be legit, also I feel that in that case the letter I have in my hand is a legaly enforced document. Please answer. I currantly pay only £2-00 per month on this debt which by the look of things will run for 150 years!!. DOZY

Dozy here again , no I have not had much time to send a cca letter asi only received the letter sat morning , it took four days to reach me , no doubt the first 3 in thames office dozy

Dunno, but i only pay thames £2-00 per month on this debt, or rather my wife does ,as i have no income not even benifits , she pays from her pensions and pension credits, i just worked it out roughly that it would take 150 years to pay off this debt, maybe they have given up on me.

Hi Foum I am new to this forum, I have a problem with a letter i received from Thames credit limited, in it it states that our company Activ kapital group, has due to the credit crunch decided to help its customers, by offering deal in that I pay them £150-00 in full and final settlement of a debt of £3401-45 if received within 10 days, letter posted 8/9/08, so i have until the 17th sep to pay up. and they will update my credit file where appropiate. does this sound right. I have looked up letters to forum on activ and they appear to be a shadey bunch. DOZY