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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
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    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Activ Kapital


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Hello everyone...my first post here so be gentle.

 

Yesterday, out of the blue, I received 2 letters and my wife 1 (from Activ Kapital) for debts owing from over 10 years ago .

 

The letters state that my argument for the 'statute of limitations act' does actually not apply in these cases.

 

The thing is, I have never had a letter from AK before regarding these debts, and have not asked for any act to be applied. I've never spoken to anyone about these debts, so how they can reckon that I have written to them stating the debts are Statute Barred is beyond me

 

Do I just reply asking for a copy of the original agreements? To be honest, I can't remember if we owe these or not.

 

Any advice please?

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Hi Mancini, and welcome.

 

Couple of questions...

 

Are these actually YOUR alleged debts Aktiv are chasing?

 

If so, can you remember when the most recent payment was made on the accounts, or you acknowledged the debt in writing?

 

If you have not been in regular contact with a creditor, and have NOT made a payment, or a written acknowledgement of the alleged debt, in the past 6 years, then that debt is unenforceable (5 years in Scotland).

 

Aktiv must have bought up a bundle of statute barred debts recently, because the same story as yours has cropped up several times on this forum over the past week. Just do a forum search on Aktiv and you'll see....

 

 

There are suitable letters to send them to chase them away, but for now, keep your head down if you haven't had any contact previously. If you should start getting phone calls (NEVER get into conversation with them on the phone!) or further letters, let us know and we'll help you sort them out.

 

:D

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Hi and thanks for the reply. I and my wife had lots of debts with First Tricity and DSG years ago and after looking at our old paperwork stored in boxes in the loft, I can confirm we owe the money. I can also confirm that we have no records of any payment made to First Tricity in the last 10 years, have had no contact with them in that time either and we certainly have never spoken to AK before.

 

The 3 debts in question are 2 x £500 and 1 x £2000.00. They are offering 50% reductions to settle, (2 x £250 and 1 x £1000.00). They say that if we do not respond they will call in the solicitors!! As explained in my earlier post, these letters claim that we have written to them saying that these debts are statute barred. Their letters go on to say that "the Statute of Limitations' does not apply..............hence my point....we've never written to AK or spoken to them or claimed any statute of anything.........and I don't have 2 x £250 + 1 x £1000 to give them either!!

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10 years?!? The boat sailed long ago!

 

Should they try to take action, they will first of all have to produce in court a valid agreement (unlikely after this time), and secondly they will have to PROVE that you have acknowledged the debt!

 

This is an example of bottom-feeding at its worst! They buy up unenforceable debts, and send out these pseudo-legal threats, in the hope that they can convince people to pay! :mad:

 

Leeches!

 

Stay cool

;)

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  • 1 month later...

Had a reply received on Saturday from Aktiv on 1 of my CCA requests.

 

Aktiv have stated that given the age of the debt, they do not have nor have access to the original credit agreement and have closed their file regarding this account. :D

 

The balance on the letter now states £0.00. :D

 

Would this be £0.00 as far as Aktiv are concerned or £0.00 in the sense that no-one else is going to come chasing for this? :???:

 

Still waiting for the response on the CCA requests for the other two accounts......... :mad:

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