The copy that I have uploaded onto here is, however this is not the one I received from AK. I am yet to receive a fully legible one from AK, though have asked twice. Are the contents that I typed out any good? Thanks.

Any help will be very gratefully received. Thank you.

Hi there. Thank you for your response. I have attached a copy of the agreement that I have been provided with. I am afraid it is not all that legible! I have tried scanning it a number of times, but this is the best I can get it! As a result, I will type what it says under what I think are the prescribed terms as above. Under the agreement, I purchased an item under a buy now pay later scheme whereby an 'Edge' account was opened and an 'Edge' card provided which acted as a credit card in certain types of stores, so I think that B, C and D apply. Please correct me if I am wrong. The agreement reads: We will set your credit limit and tell you what it is when we open your Account. We may change it from time to time. If we do we will tell you in writing. Your credit limit will also change automatically if you have other Edge agreements depending on the amount you owe us on these. The minimum monthly payment is 'A' plus 'B' where: 1. A is the greater of £4 of 4% of the outstanding balance on the Account (unless that balance is under £4, when you must pay the whole of the balance); and 2. B is the monthly premium for optional payment protection insurance (if relevant). We exclude Buy Now Pay Later Transactions not yet due for payment when we woek out A. We will send you statements showing the date for payment. This will usually be 25days after the statement date. 24.9% APR (variable) We will charge interest at: 1. 26.478% p.a. for Cash transactions and 2. 22.482% p.a. for Retail purchases and all other amounts charged to your account except Special Transactions made after this agreement is entered into. There is then a lot of blurb about how interest is calculated if late payments are made etc, the order in which payments are applied to the account, charges, missing payments, loss or theft of the card and the like. I would appreciate any comments, if you need any more info from me, please ask. To note, if it is of any relevance, AK referred to this document as the 'application form'. Thanks again for all your help. Edge Agreement.pdf

Hi there Aktiv Kapital have come back to me with a copy of the agreement and now wish me to get back to them within 7 days with my repayment plans. Any advice would be most appreciated, especially given the situation under which GE sold to AK. Thanks, and Happy New Year!

Thank you for your help and advice. To confirm, I send this 12 days after receipt? What is the 30days I am thinking off an it becoming an offence for them to do anything? Thanks.

Thank you for your help. I have today had this response from Aktiv Kapital. Your help and advice on how best to proceed would be much appreciated. " We acknowledge receipt of your request for information under the Consumer Credit Act 1974, however, we are not the original creditor nor did we provide you with the original credit facility. We purchased your outstanding debt balance and right to collect that balance, together with the right to apply interest in accordance with your iriginal Credit Agreement (where appropriate). 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 sought to obtain a copy of the original Agreement from the original creditor and if it is available we will forward a copy to you as soon as possible. Please not that if the original creditor is unable to provide a copy of the Agreement that does not mean that we have no right to continue to request payment of the outstanding balance. " Thanks for your help guys!

Perfect, thankyou. Could someone please remind me of the time limits mentioned in the letter?

Thanks for your advice. Can any one of you in the know people out there please give me a sample letter to send, make sure I do everything to the letter!? Many thanks.

Hi there. I have an amount due to GE from a previous consumer credit agreement for a television purchase. This is in dispute with GE. Long story, but effectively TV was purchased, credit applied for an accepted, no agreement setup, subsequently IVA entered into and then credit account setup with GE 9 months later. I have contacted GE with regards to this and contacted my insolvency practitioner asking for this to be retrospectively added to the IVA. GE have refused to comment and have just sent me out standard responses to my letters saying that no agreement can be reached until I telephone them, which I have refrained from doing and just answered their letters with a letter of my own, continuing the viscious circle! I have today received a letter from Aktiv Kapital saying that they have purchased the debt from GE and that I am to pay them only, cancel any agreement with GE and to contact only them. So I have a couple of questions. 1. Are Aktiv Kapital allowed to purchase a disputed debt (assuming mine is considered disputed as per above)? 2. Should I send a letter to Aktiv Kapital effectively CCA'ing them, or explaining the situation to them and asking why they have purchased a disputed debt? Your help is much appreciated. Many thanks.

Pat I don't dispute what you are saying, but the website also suggests that a standard disclsoure can only be applied for by employers involving children and vunerable adults. Other websites I have seen offer a basic disclosure for any employer where cautions are NOT shown. I have not been told whether a criminal record check will be carried out, I just completed a 'SECURITY CHECK' form. I just wanted to know what they could and maybe would check!

That is exactly what I thought, but I think that they can do a basic disclosure criminal record check for any employee, though this may not be through the CRB, I may be wrong. I am not applying to work with children or vunerable adults, or at an airport, so expect this is all they can check. Thanks.

So how am I wrong? As I said above, the CRB basic disclosure available to all employees does NOT show cautions. Are there any other types of criminal record check? True, being in an IVA does not show creditworthiness, but what does that have to do with being suitable for a job?

Yes it is, I meant to say CRB, God knows why I typed BRD!? Are there any other types of criminal record check then!?

I have had a look at the BRD website, and it suggests that any employer can ask for a basic dislcosure from them, and that this only details unspent convictions. If an employer works with children or vunerable adults, then they can ask for a standard disclosure which details all unspent and spent convictions as well as cautions. The job I am in the process of hopefully securing is not with children or vunerable adults, so I assume all the employer can obtain is a basic disclosure on which my caution will not be recorded. Can anyone say if this rings true? Thanks.

Thank you very much Gogivit. I appreciate your comments. I haven't actually as yet been advised to disclose anything, but of course will do if asked. I have run my question past my agency and they think that they will do a criminal record check, check I have lived in the UK the last 7 years and maybe do a credit check. I do not think that cautions show up on criminal record checks, or am I wrong? Also, I am currently in an Individual Voluntary Arrangement (IVA) with my creditors. I do not think they would hold this against me should they run a credit check, would they? Thanks for your help.

But should they not then just say that they want to carry out a credit check? Do people not need permission to check other people's credit file? Specific permission, not just permission to do a 'security check'? Thanks.

Why would they do a credit check? My credit history has nothing to do with my suitability for or ability to do a job!? It is a far call from the job that I applied for, but at say the airports, do they not do 'security checks' on staff? What do these entail? Thanks.

I think, in a nut shell, you have put my query into better words! I have not filled in a CRB form, just an internal form from them I guess on which I had to detail my addresses over the last 3 years and my full name and date of birth. They will then perform a security check. I am just curious as to what they will check, if anyone knows!?

Hi I am not applying to work with children or vunerable people, security I guess more around the fact that they produce very valuable products. If they are going to do a check of police records, should they not indicate this, or can this all be included within a 'security check'? Thanks for your help.

Hi Any help would be much appreciated. I had an interview this morning at a company that quite rightly has high security due to the nature of its business. Before the interview started, they requested that I complete a security check form giving my full name and addresses in the last 3 years. From this they will do a security check to ensure I can work for them if successful at interview. What do they check, does anyone know!? I have a police caution from last year. It did not ask on the form to disclose any such information, so can they therefore check if I do? Many thanks for your help.

Hi Yes, there is a cost for membership of the Institute each year. The company would reimburse this if I asked them. The subs would normally be due in January, I was just not going to mention it! Thanks

Thank you. My contract is just a standard contract of employment - it does not state anywhere within that I need to be, nor need to maintain membership of the Institute. If it was part of the job requirements at the application stage, could my employer not claim that it was deemed to be a requirement? Many thanks.

Hi there Thanks for your responses. The qualification gained from the Institute was a requirement for the job an the experience that goes with it. I am not a practising member of the Institute, though I obviously work in the same field but within a large organisation rather than providing a service to the public. I obviously use the same professional skills that I have learned from my past experience. I do not think it is a requirement of the job to maintain registration, but I guess it would be expected. Main point is, my knowledge and experience that this company rely on is still the same, I just am not a member of this Institute for a while. Thanks for your help.

Hi there I was dismissed from a previous job 2 years ago now for gross misconduct. After I managed to get an agency job tempting, kept my nose clean and secured a reference when I moved on to another permanent role. I have since left and started another permanent role. My employment at the company I was dismissed from has been disclosed on my CV as there was no need to contact them for a reference. The reasons behind my dismissal were reported to my professional Institute and I have since been excluded from here and I will not allowed to be readmitted for 5 years. My question is - do I need to tell my current employer. I was obviously still a member at the time of applying, being offered the job and joining. My thoughts are if I stay here for 5 years and I am readmitted to my Institute within that time, that no employers should ever need to know! I would appreciate anyones thoughts on this! Thanks.