Give who a try dx, my question was who to send to? I have had 3 letters from Aktiv Kapital in the last week offering various discounts and threatening various actions - am I safe to ignore these?

Thanks for the info darrenfan - very similar cases indeed, hope we can both get our money back. I'm now confused as to how you are dealing with Direct Auto Finance as dx posted a link to a thread saying they no longer exist? Who should I send my SAR to? Should I completely ignore the letters from Aktiv Kapital? Thanks.

How far along are you ukdarrenfan, is your case recent? Is your aim to reclaim monies paid? Thanks

Thank you mate, so just to confirm - I should send a SAR to Provident (as per your link) quoting the policy numbers etc from my agreement? Once they reply is that all the ammo I need to reclaim monies paid due to the duff agreement / taking it without a court order.

Yes Car Credit is the company I bought the car from, but they went bust so AK are the only contact details I have? Thanks mate, I know I'm dumb!

Thanks dx, So I after reading that I think I should send Aktiv Kapital a SAR - and not phone them? Aktiv are the company listed on the new letters I am recieving. I still have all the letters from the last solicitors (Buchanan Clark and Wells) that tried this, and after I requested documents and sent the £1 PO I got it returned saying they wouldn't bother me again - but I don't think that was a SAR as that is £10...

Hey dx (riddler lol!) OK so I should contact Yes Car Credit...or Yes Car Loans...or Aktive Kapital (the orig finance company)? What should I be saying on the phone / putting in the letter? Please tell me in full sentences as I find it hard to follow your style of writing, especially when I know one wrong move / phonecall/letter can cause so much trouble. Thanks in advance.

I'm not claiming back PPI or charges, I would be claiming back all money paid by me upto the point the broke the agreement (by taking the car by force without a court order). I was also told in this thread about the "deposit fiddle" on my agreement which basically makes it null and void, but not sure how this affects me claiming back my money as per the agreement? I'm just confused as exactly what I need to do, in simple terms, to get the ball rolling on getting my money back - as there are so many things you should/shouldn't do and in the correct order etc.

Is that the only / correct thing to do given I want to end up claiming my money back? (around £1k)

Well well well, almost 1yr to the day since my last post and guess who has another letter from Aktiv Kapital - this time offering a "New Deal" where I only have to pay £800, how nice of them! Again I thought this was done with after last time, I just want to check if the advice given is still valid? Should I call Yes Loans? Yes Car Credit? Aktiv Kapital? Should I be writing to them or calling them (remembering the golden rule) I am 100% going to try and get my money back - this thing needs to be put to bed as I have let it drag too long thinking it was done with, only to have the debt pop up again and again. So could someone please point me clearly as to what steps I should take, and what I should be saying / asking in regards to following that plan. Thanks in advance! PS. dx: I have re-read your posts, and they are still like riddles to me haha!

Sorry I havn't updated this sooner as I've been really busy. I decided not to call Yes Loans and am going to send the letters I sent last time to Buchanan Clark & Wells but this time direct to Aktiv Kapital and see what documents they send me back. If this is wrong please advise, otherwise I will report back their response. Thanks.

hahaha, right OK I'm with you now. I let it run after the letter from Buchanan....thinking it was over, and could have done then what I am going to do now. OK well I will call tomorrow and see what they have to say and post all the info here. Thanks for your time, it's appreciated.

Sorry, let what run? Your replies are kind of like riddles, I'm a bit confused? No offence intended as I appreciate your help!

Hey dx, Yeah I have been done over, but I don't know why I havn't got my money back yet? If you know the answer, could you tell me? I will give them a ring tomorrow and see what they say, and post back here with what they have said. I will admit I'm not sure what to say, but I will see if they know anything about the debt in question.

Thanks again for the reply dx. However I am a bit confused, as you say to ring "them" - who do you mean? Also in your last message you said to never ring and speak to them? Why would they claim it is statute barred, isn't that what I would be doing? I got my credit report from experian/equifax when I originally posted this thread, and there is nothing on there in relation to this. As I said in an earlier post also, since then I have been accepted for a credit card and a storecard. Thanks.

Wow, I didn't even know about that - at least it's come to light after all this time about what they have been doing! I think Yes Car Credit disappeared / went under years ago, so should I contact Yes Loans? Would I be best doing this myself or contacting a no win no fee solicitor? What sort of letter should I send, just point out the agreement is null and void due to the deposit fiddle and the car was repossessed illegally and I want all my money back as per the t&c's of the agreement? What should I send to Aktiv Kapita with regards to this? Thanks again, you really are a star!

Hey dx, I rang them as I was just so annoyed I'd got another letter, and after getting the response last time from Buchanan Clark & Wells I thought the matter was over and wanted to let them know this fact. My mistake and hope I have not messed up too much! When you say "ring the original creditor and ask them why they did not give them back" - what are you referring to? The letters I have are in my OP's, but I have not recieved any letters stating they would give me any money back at all. I have the original agreement which says on it that if a certain amount is paid then they cannot take the vehicle without a court order (which they didn't have) and if the agreement is broken then I am entitled to all money paid. These are in the CA and letter stating "We are please to confirm the above numbered Conditional Sale Agreement has been reached and our interest in the vehicle has now ceased"....which I assume refers to the minimum amount for repossession without a court order being reached? Who is the original creditor, Yes Car Credit / Direct Auto Finance or the last company to request money (Aktiv Kapital) This last letter says the debt is £3911.14 yet if I pay £1368.90 then they will pay £2542.24 - how kind of them eh!? I'm unsure what I can / cannot get back as each time the amount requested is different, the company is different and they act as though they never heard of each other - which is why when they said they have had the debt since 2003 it threw me... If that is true then surely they should have all the letters I sent to BC&W last year? Somebody also pointed out earlier in this thread that the £210 deposit was taken off the interest (not the car) and then added back on at then end and that this may also make the whole agreement invalid - but it wasn't confirmed and I'm not sure if this is another route I could take? To be honest I would rather get this main debt sorted before I start looking at PPI, but I don't know what to do next or who to do it to. I promise I will not be making or taking any more phone calls though! Thanks in advance for you advice.

Hi again guys, sorry to dig this thread up. Quick summary, I followed the advice in this thread with regards to sending letters and got my PO returned both times with a letter stating that "I wouldn't be bothered again by that company (Buchanan, Clark & Wells). I didn't do anything regarding the PPI claimback that was mentioned. I have now recieved a letter about this again, this time direct from Aktiv Capital. (sp?) So I rang them up to tell them I had sent all letters regarding this to Buchanan Clark & Wells and I am fed up of this debt being sold around time and time again - they then informed me they have had the debt since 2003. I asked why they don't have the paperwork I have already sent in and they told me they have no paperwork from me at all - utter crap! When I informed them the debt was statute barred the woman got all arsey with me and said it is not statute barred as there was a payment on the account in 2006 - this is also false as my letters prove the car was illegally repossessed in 2002/2003 and there is no way I would make a payment 3/4yrs later for a car I don't even have anymore and knew they had broken the agreement in 2002! I told them I have all the documents to prove that the car was taken illegally and I have letters to prove it (saying their interest in the vehicle had ceased) and that it means I can reclaim anything I paid under that agreement (this is in the actual agreement!) and of course they repeated that they have no paperwork on file to this effect and can I send it in for them to look at. I refused and said I am not sending any original documents as they will go missing, and if I hadn;t kept these documents for 10yrs as it is, then I would have no evidence of any of this. She requested I send photocopies.... OK, so I ask for your help again in what to do, because this is seriously turning into harrassment and seems never ending. Every time I have to do the same stuff over and over, receive letter, send letters, send PO, get response, wait, recieve letter, send letter, send PO. Then wait for the cycle to start again with a new name on the header. All the original docs are still available to view from my OP's, and I really want to end this, and get back anything I can to rub their noses in it! Would it be worth me going to a "no win no fee" solicitor and with all the documents and letting them deal with it? I don't mind them taking a fee I just want it ended, and if I get anything back then its a bonus. I should say that I got a copy of my credit agreement when I originally posted and there is nothing on this regarding this debt. Since the OP I have been accepted for a credit card and a store card. If it is easy enough for me to do myself then I will give it a go, but I really need some advice again on my next steps. I'm also hoping that I havn't started the 6yrs again by making contact via phone with them. Any advice welcomed - please help me stuff this down their throats, and maybe even look into this PPI thing for £2500 that was mentioned!? Thanks in advance (again) Dooby.

Another bump. Have just just had a letter from the original solicitors demanding payment, offering an installment plan and lots of red ink saying if I ignore it I will be taken to court and have to pay costs etc. Advice on my next step appreciated....I'm thinking Statute Barred but am a bit unsure what with the PPi thing that was brought up in previous posts. Thanks in advance.

Anyone?

Hey again guys, hope everyone had a good double Bank Holiday! So, this morning I received the agreement through the post as I requested, also attached was another sheet which showed ther £210 being taken off the amount of the car (as opposed to the agreement, where it was added back on!), and a payment summary showing the last transaction/payment made on this account was 07/11/02. What they didn't send was the letter saying I had reached my Minimum Agreement...suprise suprise! The cover letter reads: "Please find enclosed a copy of your statements/agreements as requested. Payment is due to *** on receipt of this statement" - Does this mean by just receiving the letter I am duty bound to pay in any way? I'm not sure whether to point out that the agreement "stole" my deposit, repossessed the car without meeting the rules set in the contract and go for getting some of the money back, or whether to just send a "Statute Barred" letter and have done with it. Should I contact CAB and see what they say? I was waiting for post to pop back in as suggested, but he hasn't as of yet and I don't want to leave this lingering too long. I don't think they know I have the original paperwork, and it maddens me to think they hound people like this after 11 years knowing full well most people will have lost/thrown away the paperwork after so long! Any advice appreciated.

Awesome thanks mate. I'll wait to see what other people can advise me before I send anything else, and maybe try and get an appointment at my local CAB.

Ah OK, I will keep trying over the next few days and hope the database clears up then. I can't believe they literally stole £210!! Just shows how bad I am with numbers that I didn't spot this earlier, it's people like me they made their money from I guess! Should I still send the "Statute Barred" letter to BCW, as from reading earlier posts in this thread I gather the PPI is a totally seperate issue? I am going to order my credit repot from both Experian and Equifax tomorrow and see if this is on there. Thanks for all your help, I guess I have a lot of reading to do to find my next step.

Wow, you make it all sound so easy! Following your advice I noticed what you said, they added the £210 back on at (18.) Also then when taking it over to the left hand side (13.) and (14.), Less Vehicle Deposit (2.) is left blank and it isnt even taken off the Cash Price (1.) of the car. Am I right in saying this means they literally just "took" the £210 off me and it didn't deduct it from anything!?!? I don't have a record of how many payments were made or when, no receipts or anything, and the amount they have said I paid in total on one of the letters doesn't equally divide by the monthly payment amount to a whole number, but as I said numbers are not my strong point. I had a look at the link you posted, but I don't have the numbers to put into it, as per above. Sorry for being useless! PS. I used advanced search and didn't find any posts by postggj with relation to Yes Car Credit, but I did find a lot of similar posts with relation to YCC / DAF, and links to the saynotoyes forum, but sadly the last posts in that place are from 2007.

I have looked over the agreement, but numbers are not my strong point....still £2.5k!?!? - WOW!!....I am amazed at that! I was 18 and needed a car to keep my job at the time of this agreement, so didn't really focus on the in/outs of the agreement as losing my job was not an option for me at this time....and yes the car was bought from Yes Car Credit as being so young / no credit record there was nowhere else I could go (I did try). So what do I need to do for this PPI thing and claiming it back? Also, how could I claim back that amount in PPI when I didn't finish the agreement, it was ended early (repossessed)? I assume this will then be pro rata, but maybe less than I even paid to them in installments? I will look now for postggj as you said, and try and find some info on PPI claims and getting money back. I honestlt thought it was just for credit cards, didn't even think to apply it to a car finance deal. Thanks for your time mate, really appreciate your help and advice.