got my email from experian... Dear Mr ...... RE:Active Capital default Thank you for your email, which we received on 19 April 2010. Your query has been brought to my attention in the Customer Relations team to investigate. WHAT I AM DOING FOR YOU: - I am contacting the company with your comments for you. This is because I can not amend the information without their consent. - I am adding our standard dispute statement to the entry on your report. "THE CONSUMER HAS DISPUTED THE ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT. GIVEN THAT THIS DATA IS DISPUTED, PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA." - This statement will show within the next seven days. - I will let you know what they say as soon as they reply. Kind regards an hour after they sent me this email they took the note down and put everything back the way it was. is there anyone out there that can tell me what to do next?

thanks unclebulgaria, i will point out the issues with my credit account in my next letter, and prob send experian etc a copy of the letter i just recieved too, since 9 days ago i gave them 28 days to check that the info on my credit report was correct so im gussing if aktiv cant send me the right info they wont be able to send the CRAs it either?

hi again, just received my letter after sending a CCA request to aktiv. they dont have it, and are trying to contact the original creditor to get it as they "wish to provide me with information i require, in accordance with the credit consumer act 1974 in an effort to resolve this matter" they say that "whilst they endeavour to keep within the prescribed time scales, due to the fact that they need to contact the original creditor we may be unable to do so. my account has been put on hold whilst they await the requested info i even got a real signature at the bottom. they also gave me an agreement number an im guessing i should stay well clear of this, and iv got a reference number too now which i didnt have before iv still not sent them the SAR yet, wanted to find out a bit more about it first really, but iv done that now and iv got this letter too so prob ask for SAR and then point out a few wrongs about their reply anyone got any advice?

thanks, if you had just written ''SB can ONLY be re set IF you acknowledge or make a payment on an alleged debt BEFORE the statute of limitations kicks in'' the first time i would have been in my bed half an hour ago lol i dont wanna fall out with anyone here i was just a little confused, if you read back im sure ul see how thanks!

and i found this too which also says it DOES now if i am wrong babybear then im sorry, i never ever claimed to be any kind of debt advisor or anything lol, but everything i find online says u are wrong... like everyone else on here im looking for help here, posting **** like argh when someones not getting something doesnt really help anyone anyways heres a post i found online... Joined: 01 May 2009 Posts: 1 Reg, Statute Barred is applicable so long as YOU HAVEN'T acknowledged the debt. Contacting them by phone CAN be seen as acknowledgement and the Limitations Act is reset (6 years in England/Wales, 5 in Scotland). I see you said you called them. Did you confirm the debt or any details relating to the debt? If you did, then it could be a grey area regarding the Limitations act as if you have confirmed the debt or any of your details on the debt then Limitations Act would not apply. The key thing is NOT to phone them, only ever write. I have popped a link here for National Debt Line. They have a sample letter you can use to advise Limitations Act for debt that is Statute Barred. National Debtline England & Wales | Debt Advice | Factsheet 25 Liability For Debts And The Limitation Act The key thing though is have you admitted the debt owed, if you have then I'm afraid Limitations Act will reset and you'll have to wait to period required. If you HAVEN'T then follow the NDL guidelines. As for any 'lovely' letters they send, ignore them and be prepared for a fight. As for court action, so long as you HAVEN'T acknowledged the debt (I keep saying that, sorry) then when it goes to court you simply produce the letter advising its Statute Barred. The court will get annoyed with the DCA and award in your favour. DCA's know they CAN'T take you to court on Statute Barred debt but rely on you NOT knowing what they can and can't do to get you to cal them and admit the debt.

I've come across DCA's who state that a payment was made, the onus is on them to show evidence of when and HOW the payment was made. A mere statement saying that there was a payment on such and such a date wouldn't reset the cause of action. im still assuming that if you acknowledged the debt it would reset 6 the yrs am i wrong here? (get a grip bear some people might not be as good at understanding this stuff as others:))

argh wot?

thanks for the confirmation on the letter, and that that they CAN update SB dates... it wasnt a phone bill, it was a card i got thru kwik fit so i sent a CCA request last week and im still waiting on it thanks for the help but dont think anyone should put a signature at the bottom of a letter going to DCAs should i take the WP off this letter then?

as for that letter, iv just found out its pretty much a waste of time, just wanna point out again that when i googled SAR request template letter this was the 1st hit, from this forum if its wrong i reckon it should come down......

let me know if you cant find it, its pinky69s thread called invalid default notices i think

yes, it was 140 page thread last time i looked i just went to the first post and started reading thru it tons of info in there

maybe u should have read the post before u left a comment hardupnotfedup

google- SAR template letter should this not be removed if its wrong?

a CRA report from 2007, then i got another from equifax in 2010, showing updates from 2008 none were me (110% on this) waiting for SAR to find out exactly when i made the last payments but the details on my cred report are wrong and definately malicious

this letter is the top hit on google, from this forum! might wanna sort that out some1 iv been asking since yesterday if its any good