Tawnyowl v Aktiv Kapital

[Tawnyowl]

What a name for a dca -surely it didnt hatch in this great country.Had a debt with Comet which finally got passed onto this FRIENDLY BUNCH.After about 200phone calls decided to cca them.Sent 1.00 postal order .Received reply

saying they purchased the debt balance and right to collect that balance and the right to apply interest.They did not purchase the actual agrrrreement so they have no obligation to provide it.HOWEVER AS IS GOOD PRACTICE they are going to seek a copy.I BET THEY WILL BE LOOKING EVERYWHERE.

In the meantime they are not suspending debt collection activ--ities and unless i get in touch with them within 7 days it will be passed back to their collection division for FURRRRRTHER action.Please note if the original creditor is unable to provide a copy it does not mean that they have no right to request payment of balance.

Then goes on to offer substantial discount if settled within next ten days.

Makes you wonder what they paid for this account.ANYONE KNOW HOW MUCH THE % PAID IS.Perhaps one of the spies for DCA-S MIGHT BE ABLE TO ANSWER IF they come on here- i wonder if they do. IF they do -get a life.BETTER STILL CAN YOU ANSWER THE QUESTION.How about becoming a defector and working for the good men and women of this great site.Getting a bit carried away now -must fly- Tawnyowl.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

9

[pt2537]

What a name for a dca -surely it didnt hatch in this great country.Had a debt with Comet which finally got passed onto this FRIENDLY BUNCH.After about 200phone calls decided to cca them.Sent 1.00 postal order .Received reply

saying they purchased the debt balance and right to collect that balance and the right to apply interest.They did not purchase the actual agrrrreement so they have no obligation to provide it.HOWEVER AS IS GOOD PRACTICE they are going to seek a copy.I BET THEY WILL BE LOOKING EVERYWHERE.

In the meantime they are not suspending debt collection activ--ities and unless i get in touch with them within 7 days it will be passed back to their collection division for FURRRRRTHER action.Please note if the original creditor is unable to provide a copy it does not mean that they have no right to request payment of balance.UTTER NONSENSE, they can ask you to pay but and its a BIG BUT if they have no agreement they can whistle in the wind as they cant do anything about it

 

 

 

 

 

:)

[Tawnyowl]

That is very cheering news on a cold winters night.Wonderful news in fact.Even if they find one it really seems to rattle them. The more people that send these requests the better.Well worth the pound.CCA all your creditors-

[diskmandave]

saying they purchased the debt balance and right to collect that balance and the right to apply interest.

That's highly debatable too. Ask them for hard copy proof that they have a contractual right to do this. Most DCA's rely upon ignorance to get away with this particular [problem].

 

Regards, Dave.

[Tawnyowl]

Received copy of consumer credit agreement- oh well cant win them all.The only thing to do now is SAR comet and hope there are some charges on the statements.In the meantime i will make offer to Aktiv of Token payment as this is all i can afford at this present time.Bet that is going to please them.

[diskmandave]

oh well cant win them all

This is by no means over! Can you scan and post the "agreement" so we can pick the bones out of it?!

[Tawnyowl]

Still haven't dealt with this due to repossession case and everything else happening.Am moving very soon so will start then-at moment just still asking me for payments-and threatening court action.Not that bothered anymore am soon going bankrupt-sick of all the time spent trying to sort them all out-most of debts reduced to token payments with help on here-so thanks everyone.Still feel they are still there-and poss-prob definate shortfall on mortgage-am going to clear the lot in one swoop.Maybe not best for everyone-but as i have no assets maybe this is best thing to do for me.

[Quoth]

I have to love Aktiv and Thames when they talk about interest. Before I decided to CCA them once I wrote demanding that they provide me with details of the rate of interest they could charge and evidence that they were empowered to do so.

 

They wrote back to confirm that the rate of interest they are entitled to charge was ... 0%

[Tawnyowl]

I have to love Aktiv and Thames when they talk about interest. Before I decided to CCA them once I wrote demanding that they provide me with details of the rate of interest they could charge and evidence that they were empowered to do so.

 

They wrote back to confirm that the rate of interest they are entitled to charge was ... 0%

Very interesting didn't know about the interest they could or couldn't charge

never really thought about that angle.Got letter -keep it dont trust DCAs

[Tawnyowl]

posted on wrong thread-question was meant to be on bankruptcy thread.Tawnyowl

Edited September 19, 2008 by tawnyowl

[Tawnyowl]

Letter received from Activ saying new angle this-due to credit crunch -we are trying to help you so we will accept half of 1500 debt.You can pay over 3 months hope you r well love Activ .250 MONTH was quite well till read that.ALSO ANYONE THINKING THIS IS NICE OFFER -FELL FOR THAT ONCE PAID HALF EVERYTHING WENT QUIET-sorry capslock.Then 6 months later they sold balance to DCA who resurrected other half.So my advice would be if they make you such a offer and you want to settle get it in writing as full and final payment to settle debt.Slight difference to letter no love sent but sounds better feel you know what i mean.Be careful these DCAs crafty lickle devils.Heres the link to the story just in case anyones interested.I didnt get anything in writing.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/123479-stitched-up-h-f.html

Edited October 12, 2008 by tawnyowl