Hi, I received a letter this morning from Aktiv Kapital notifying me that they've bought the interest of CL Finance Ltd (Ex GE Capital) in the debt I owe them for an agreement for which they give me a number. It states they're acting as collection agents on behalf of Aktiv Kapital First Investment Limited which is now the legal owner of the outstanding balance of £698.33 and they're demanding immediate payment. Now I think that this is in relation to a former store card I had at Comet some 5 years ago, on which I defaulted maybe 3 or 4 years ago when I lost my job. Can someone advise me on how to deal with these people please?? Many thanks in advance!

Hi all, I've been contacted by Alexander James & Co acting on behalf of Northumbrian Water as I owe them £319.17. I've just rang them up, and the lady I spoke to asked what I was phoning for and I told her I wanted to sort the bill out. I offered to pay £50 today followed by £70 a month thereafter until the arrears were cleared. Upon telling her this she said that they would only accept at least half of the amount due today followed by the other half in a months time. :???: When I told her I could not afford the amount they were demanding, she said that's the best that they can do and that I should think carefully about what to do next. :? She also asked for details on my wages which I refused to give her over the phone. Can anyone tell me what to do please?? I don't dispute the amount owed, it's just I can't afford to pay it off in two instalments.

Hi, we had our house insurance with The AA but upon renewal their price was double what CIS could offer. So I rang up and notified them I'd not be renewing. Home and contents were both through AA but provided by seperate insurers, so there was one DD from £16 for contents and one for buildings for £17. Upon notifying them I'd not be renewing I cancelled the DD at the bank, but hadn't realised they'd not taken the final payment for each policy and I naturally received a letter notifying me of the missed payments. However, I'd not expected them to place a £12 charge on each of the policies for missing the direct debit. Two days later I get two default notices through the door warning me of the usual default jargon. Can someone tell me whether they have a right to demand £24 in charges for a total premium of £33???? I'm happy to pay the final installement, but don't really want to pay them the extra charges if it's not neccessary even if it is only £24. BTW, I never did send them a copy of my signed credit agreement back.

Cheers spamHEED Knew you were from up our way when I saw the word "heed" :grin: When you say sign nothing, do you mean the letters you send them?

My parents have a letter at their address from JB Debt Recovery over a debt my sister owes. It was a Yorkshire Bank credit card or loan IIRC and is for about £3000. It's in my sisters maiden name, and she's been married almost 13 years and hasn't spoken to any of the companies involved since defaulting on the argreement 14 years ago. Can they still persue her?

Will I hear anything more of this debt though? Will they try and pursue me further down the line? I can't thank you enough mate!! You've saved me so much hastle and money. I dread to think of the mess I'd been in if I'd have just paid the £229 the day I received the claim form. Thanks!

:o Just received a Notice of Discontinuance from Bryan Carters Solicitors!!!! :grin::grin::grin: Is that the end of the matter now?

Thanks mate!! I'll let you know the outcome.

Hi all. Just thought I'd let you all know that I've just been and posted my defence forms off this morning. Later than I'd planned but I've been working away. Just to clarify, I was only supposed to send form NB9 and my defence attached to it?

Okay, they've just rang me and they are after either the vehicle back or £2517, which is what is outstanding on the vehicle. Obviously, I haven't got £2517 to give them and handing the vehicle back to them is not really an option. She then said how about clearing the arrears of £663. I said not a problem at the end of the month to which she replied that because I've received the letter notifying me of the impending court claim, she can only give me two days to find the arrears otherwise they'll go to court. She said, "how about you borrow the money off someone?" Can anyone tell me where I stand?

Well I'm not in a position to clear the arrears in one go. Would have to be payed over 2 maybe 3 months alongside the normal monthly payment.

Fresh on the heels of Bryan Carters court claim I've received a letter this morning from Link Financial over a hire purchase agreement I have with Ford Credit. I bought a car in November 2003 from a Ford dealer and took it on hp over 5 years. Last year I had a couple of months off work through sickness and fell into arrears with Ford Credit. I ended up in £800 or so of arrears and defaulted on the account. Two days after the default I cleared the arrears and then began paying as normal which Ford were happy to do. Two or three months later I get a letter off Ford telling me that 6 weeks prior to the date of the letter they had passed the account over to Link Financial. I rang Link up and transfered the standing over to them. But, foolishly, over Christmas I was strapped for cash and I cancelled the standing order. Then I forgot about it until February and have just ignored until now. So by my reckoning I'm three months in arrears which is about £664. Someone tried ringing me on Saturday morning at 7:50am when I was at work, and after Googling the number I found it to be Link Financial. This morning I've received a letter which says, "We have been instructed to issue County Court proceedings for the return of goods subject to the above agreement. Proceedings will be issued within the next 48 hours if we have no response from you". I tried ringing earlier but the lady I spoke to said the Litigation Dept was busy and they'd ring me at half 12. Still waiting. Can someone advise me where I stand on this issue? Once the arrears are sorted I can pay the monthly payment no problem, just I need the vehicle for work. The past few days have taught me a harsh lesson, and I really need to face up to my debts before things get really out of hand. I feel like I can't breathe at the moment I'm so worried about my finances. Anyway, can anyone give me some advice.

I sent the letter March 11th, they received it March 12th. 26th March will be 14 days. Should be ok to file a defence then, as the letter stated 14 days. I'll do that and then let you know what happens. Thanks you so much for your help my friend. You're a credit to society, along with everyone else connected to this site. Thanks!!

When you say won't go online I assume you mean because it's too long? Claim was issued 6th March and I submitted an acknowledgement of service on the 11th March. That means I have until 3rd April to file a defence. So if I send it on the 24th March I should be alright? Got my brother's wedding to head off to towards the end of that week so I need to send it off before then. This may sound stupid, but can I just print the defence you posted (changed where relevant) and attach it to my defence form? Also, what will happen after I've submitted the forms? And am I disputing the full amount being claimed? :-?

pt, how should I submit my defence to the court? Online or by snail mail? Sorry for being a pest, I just haven't got a clue with things like this.

I used the CPR letter pt posted here http://www.consumeractiongroup.co.uk/forum/show-post/post-1048118.html which gives 14 days. PT, do you mean send my defence by recorded delivery to the court? I was gonna do that via MoneyClaimOnline.

Ok, they recived my letter this morning. When should I submit my defence?

I wasn't sure what to do so I submitted an Acknowledgement of Service via MCOL, printed off a CPR letter and I'm about to go send it recorded delivery. Then I'll submit my defence. :-| Don't if I've done the right thing or not.

Thanks pt Should I just copy all that, changing where relevant into MCOL? Will there be enough room? And Phoenix Recoveries is the claimant isn't it? Also, point 12. Should I send a CPR letter off today after filing this defence? Or should I remove points 12-14?

[causing problems] gits!!! Any idea what I should add to my defence yet guys?

Not sure if it's needed but this is the particulars of claim on the court claim form.

Like I say, he ain't no consumer law lawyer. Claim issue date is 6th March 2008

OK, I've just been down to see my mate, and he basically said what you guys said. Most of what he was saying went over my head, as it was all legal jargon. But he wrote something to put down as a defence. This it what he wrote. 1. The defendant denies the sum owed. The defendant puts the claimant to strict proof to show how the sum claimed is owed including providing a copy of the agreement allowing the costs of recovery to be recouped. 2. The defendant requires sight of the deed of assignment of the debt from Littlewoods to Phoenix Recoveries (UK) Ltd S.A.R.L , for the avoidance of doubt the defendant denies that there has been a valid transfer of the debt from Littlewoods to Phoenix Recoveries (UK) Ltd S.A.R.L. 3. This is not a valid claim under the terms of the Littlewoods account. No term exists to authorise payment of the costs of recovery and the claimant is put to strict proof of their claim. Any opinions?

OK thanks GodMother. I am still going to have to pay someone £658 at the end of the day though aren't I??

Yeah I see what you're saying mate. He knows bits and bobs about this but like I say, he doesn't deal with this kind of thing everyday. Hence he wanted someone who does know all about it to have a look at it. Don't worry, I won't allow them to tell me just to admit to the claim or anything like that after reading this site. The same lad has helped me a couple of times in the past, which is why I spoke to him over this matter. Should I file the acknowledgement of service on MCOL and then send a CPR letter?