Thames Credit - New Tactic?

[youoweyoupay]

I really appriciate all your feedback.

 

 

MOD edit to remove drivel not pertinent to the topic under discussion.

 

Youowe: if you want to discuss morality, or the accuracy or otherwise of this site, start a thread of your own in the appropriate place. Don't crayon over other people's threads, or your posts will be removed.

[fiftypence]

I really appriciate all your feedback. You have all obviously taken advice from these forums. None of you really know what you're talking about at the end of the day. And you do?

 

And let me just say this;

 

YOU TOOK OUT THE AGREEMENT - PAY WHAT YOU OWE! Not if its stat barred, not if there is no valid CCA, not if... oh you get the idea.

 

Judging by your first post you need to brush up on your knowledge, now sod off back to the swamp with all your other cronies.

[Agent Mulder]

Hi,

 

You are wrong in most of what you have written here. I work in the debt collection business and I think someone should actually start to set you people straight. Aktiv Kapital are a DEBT PURCHASER and therefore not the original vendor/supplier/lender - thus under the CCA and OFT Debt Purchase and Debt Collection guidelines they are NOT legally obliged to supply you people with the original agreement/statements, that is the job of the vendor.

 

But as Aktiv Kapital do like work for you as much as they can - if you write them a simple letter requesting all information avaliable under the CCA, enclose a £1 fee (either postal order or cheque) and they will try to obtain all information for you.

 

No matter how many times I read these forums - you all seem to be in the same opinion that these accounts of YOURS are all stolen from some database? Well let me assure you - they are not - they are all purchased legally from the original vendor(s).

 

As for you sister my friend, if you believe she is not the correct person for this account then you need to call up Aktiv Kapital - let them verify all the information and then you can lodge a dispute or complaint with the CRA's and everything will be hunky dory and you can stop slagging off a well respected company.

 

P.S. Before you all start having a go - saying "oh he must work for them" - I don't, so don't get excited. But I am willing to help anyone with their debt problems - I have extensive knowledge of the business.

 

I really don't think I'll get excited by what you've written but if you ever turned up in court and tried to convince a judge of your argument. I'd probably need to buy incontinence pants.

[Fred Bassett]

youowe.............i found your post rather patronising to say the least..............you people!!!!!!! god Marx would have loved you!!!!

 

There is, however, one good word i can say about you DCA's, without your input, CAG would probably never have been formed and for that I would just like to say a huge big thank you for making it happen

 

He didn't last long though did he? It seems obvious from the time of his posting that he was playing truant. I bet his Mum' stopped him from using his computer and cut his jelly babies ration.

 

Fred

[flintstones1960]

Is there anyway that the utter diarrhoea written by youowe can be confined to the appropriate place...I'd also like to volunteer to press the flush handle.

Go away you unknowledgeable cretin

[spook]

Just tell them all to take a hike - what they gonna do at the end of the day - keep sending scare tactics cause they are limited to what they can do - they run out of ideas - ....

I agree with your sentiments, only problem is that in my sister's case, the evil empire that is AK placed an adverse entry on her credit reference agency records - this without having proved the debt! Then, to rub it in, (and despite clearly having sufficient information to make the adverse CRA entry), they claim that they cannot comply with the CCA as they have "insufficient information" to supply the requested documents!

 

Utter (and probably highly illegal) disgrace. Complaints to CRA, local Trading Standards Dept. and Data Commissioner's Office have been made. Be interesting to see whether these complaints procedures are anything more than window-dressing...

[ScarletPimpernel]

The CRA will say they can't remove any dtaa unless their client says so...

 

...Trading Standards will say that they are not sufficiently well-resourced, and have you contacted ICO...

 

...and ICO will gve you some waffle about how even if they can't meet the legal standard of proof of express consent to process data, they've given CRAs a get-out.

 

It's a mess, and I suspect that the only way you'll get anywhere is if you either take legal action against Aktiv/CRA, or involve your MP (dependant upon which flavour/how deep the snout is in the trough).

[spook]

The CRA will say they can't remove any dtaa unless their client says so...

 

...Trading Standards will say that they are not sufficiently well-resourced, and have you contacted ICO...

 

...and ICO will gve you some waffle about how even if they can't meet the legal standard of proof of express consent to process data, they've given CRAs a get-out.

 

It's a mess, and I suspect that the only way you'll get anywhere is if you either take legal action against Aktiv/CRA, or involve your MP (dependant upon which flavour/how deep the snout is in the trough).

I was already thinking that legal action might ultimately be the only way a remedy can be obtained here. What would the basis for it be?

[eeeezzzyy]

Yes Sosumi, i have sent it registered it was nearly a month ago, no reply except the "please please pretty please phone us " letters....

[sosumi]

Yes Sosumi, i have sent it registered it was nearly a month ago, no reply except the "please please pretty please phone us " letters....

Oh dear, naughty naughty Aktiv Kapital!!

Start a new thread about this Eeeezy. I think you will get CAG's finest to advise you on who to complain to. Please complain about them, they have a lot to answer for :mad:

eeezzzyy -

[thrubolt]

Listen up people,this will get you interested - this should be on all threads - someone I know and its not me, has a business, and he got a letter today and on it in red capitals is NOTICE OF ASSIGNMENT OF DEBT. So people - take heart, why are the companies on here having problems supplying these. It obviously shows that this mentioned co. does things strictly to laid down regulations, and it shows that these companies on here are full of crap when they say we dont need one or they cant find the information - utter ballcocks., now that I have seen this wonderful proof -I am just going to tell those that cant give me what asking for when CCA'ing to 25422 off.

[spook]

OP here, quick update:

 

- Despite several written requests in the appropriate format, Aktiv Kapital (AK) have refused to provide the required statutory information to prove the debt. They have in fact returned the statutory fees with a letter stating they are unable to supply the information requested due to insufficient information on their part, and that we should contact them by telephone to discuss the matter (fat chance)

 

- Letter sent to Experian (CRA) requesting removal of the offending adverse entry from their credit reference records. Experian replied refusing the request, stating that AK, having themselves inputted the adverse entry (!!) the are the only ones who can remove it, and that Experian were only able to enter a "notice of dispute" on their record which expires after 30 days (note to self - Experian in bed with AK, country is totally and irredeemably corrupt, Gordon Brown in need of new moral compass) Experian helpfully (not!) suggested we ring AK by telephone to resolve the dispute (fat chance)

 

- Letter sent to Information Commissioner's Office making complaint under Data Protection Act against AK and Experian in light of the above. Reply received basically stating that they're not interested

 

- Letter sent to local Trading Standards Department complaining about AK & Experian. They replied stating that they will write to AK demanding either disclosure of statutory information to prove debt or removal of adverse entry from Experian's records

 

- Further letter received from Trading Standards Department, informing us that AK have ignored their letters that they are big mad about this and that they have therefore referred the the case to the Office of Fair Trading (OFT)

 

- Letter received from OFT stating that they have received the complaint from Trading Standards and will be pursuing an investigation against AK concerning breaches of the relevant Code of Practice and their fitness to hold their Consumer Credit Licence :D

 

- Further Credit Report requested from Experian - discovered that the adverse entry by AK has mysteriously been removed Tested current creditworthiness in light of this by applying for a new credit card online.

 

- Letter from credit card company received in response to online application for credit card. Guess what? Refused due to adverse entry on Experian's records Letter sent to Experian asking for an explanation and a copy of the report disclosed to lenders, not the censored rubbish they fob off onto consumers and have the cheek to charge a fee for - awaits reply.

 

- Further letter received from OFT requesting consent to use documents as evidence in OFT investigation. They also said that they are unable to take on our individual case and advised us to seek formal legal advice from a solicitor with a view to forcing AK either to disclose statutory information to prove the debt or remove the adverse entry from Experian's records

 

So, can anybody suggest good solicitors specialising in consumer law who would be willing to take this one on?

 

Class action, anyone?

Edited April 26, 2009 by spook

[F_DCAs]

It was Thames Credit/AK who were cited in the Beryl Brazier case, right?

[lickthewallfatboy]

we goota look at the possibilities of a DCA,while admitting they do not have the paperwork necessary,are still defaming people by marking their credit file

 

the only way forward I see in this is to actually sue them to force them to remove it and refrain from further processing of your data

 

has anyone gone down this route yet?