GE kwik fit card 1996 with PPI sold to AK

[stevvieboi]

thank you for that, so many pages to go through on here lol, sending letter off to them today, and thank you again, will post when i get reply

[stevvieboi]

think their is just over £500 to clear it, claiming it back should clear it all off, sending letters off to aktiv today to see what records they hold on me, and to get them off my back, as for getting money out of me, they can sing for it lol

[PGH7447]

Dont rush with these idiots, it was in the paper the other day that they made a loss of £40 Million last year hahahahahaaa, also they are laying some of there threat monkeys off so you may have a wait

[steven4064]

I think you should do 2 things:

 

1. Continue the claim against GE Capital for charges plus interest plus PPI. If they have not agreed to everything you have requested - send letter before action and then take them to court. They will pay up. They do not do court. See my GE Meony thread.

 

2. Send Aktiv a request under s78(1) of the Consumer Credit Act 1974 for a copy of the agreement for the account. Send them £1 and remind them they have 12 days to comply and that the account msut be regarded as in dispute until they do. They won't be able to, and will probably send the account back to GE Capital.

[Capital plus killer]

Hi Guys I Dont Know If I Have Posted In This Section Yet, But If I Havent Then You Need To Contact Conumer direct or the MOJ. The More Complaints The More Can Be Done....i Know The Guys Behind It Even Down To There Number Plates So Please Contact either or both of above.

Edited November 4, 2009 by MARTIN3030

[stevvieboi]

hi

 

i am looking for advice on a debt aktiv kapital have being trying to get out of me,

it's a debt i have disputed with ge money where their ppi was not worth the paper it was written on,

it all started when i was laid off and because i had to much saving i could not sign on,

and because i was not signing on ge and their ppi would not cover my payments and then started applying charges to my account,

 

this has now gone from around 180 that i owed, to now over £400,

 

i was not in a position to pay this debt off, as the money i had saved i had to live off,

pay my monthly payments on car house insurance etc until i found work again,

 

they had put a default on my credit report,

the debt is now over 6 years old and i have had the odd letter from them

if i pay so much it will be wiped clean,

 

i have checked my credit report now and it is no longer on it,

prob because its over 6 years old,

but i have received a letter today from ccs collect debt collectors threatening me with either a visit to my home,

or action taken against me through the county court or sheriff court unless i pay £432.60 within 7 days

 

anyone got any advice what i can do with regards to this will be greatly many thanks

[ims21]

Hi

 

If you are sure that you have not made any payment or written acknowledgement of the debt in a clear period of 6 years (5 in Scotland) then it is statutory barred.

 

When was the last payment made?

 

Have you made any written ackowledgement of the debt in the time scales mentioned?

 

ims

[cerberusalert]

Thread moved into the debt collection forum.

[Nishikigoi]

If it's not on your current CRA then just send the SB letter to them and remind them they are knowingly threatening to take legal action that is impossible and therefore attempting to gain money by deception.

[dx100uk]

yep!

 

 

ruddy spoofers!

 

dx

[stevvieboi]

i have not made any payment on this in over 6 years or made any contact with aktiv

[Nishikigoi]

Time to sadly say CIAO, I know I know it's a tearful goodbye....

[stevvieboi]

i got a phone call this morning from them asking how i was going to pay this off, and informed them that it is now over 6 years old, they informed me that a payment had being recieved back in 2006, yet it was defaulted over 6 years ago by ge money, then was changed to aktiv when they took the debt over, and the default on my cra is now gone, they have said to me that they will have the default applied again to my account giving them another 6 years to pursue this, i know i have not paid anything to this since it was defaulted so where a payment came from in 2006 i dont know, i recall that ge did refund some charges which i am guessing they applied to this account, dont know where i stand with this now, does the statue barred still apply when it was on my cra and now removed?

[Bazooka Boo]

You've fallen for the oldest trick in the book, why oh why do people speak to these clowns on the phone, and then believe what they are told???

 

STAY OFF THE PHONE!

 

You owe nothing, these reprobates will use any and every con trick in the book to convince you that you owe money when you don't, are they going to put that in writing that they received a payment> I doubt it!

 

And as for reapplying a default on your CRF, this phone drone you spoke too is taking the proverbial, I bet he's laughing at you right now with all his other chums in the broom cupboard about how he told yet another lie, they work on commission it is their job to lie cheat con and swindle you out of money you do not owe, this is exactly the reason why YOU DO NOT SPEAK TO THEM OVER THE PHONE!

 

Keep everything in writing, keep a close eye on your credit file, and if this does reappear you can sue for defamation and receive a nice four figure sum in compo from the goons.

If they ring just laugh at them and hang up.

 

It is for them to prove to you that this is not SB, NOT for you to prove it is.

 

Relax.

[LostAtSea]

When you have to take a toy from a child and they throw a tantrum, this is precisely what happens when you let a DCA know that you know your rights. They'll say and do anything to try and get their toy back.

[PGH7447]

i got a phone call this morning from them asking how i was going to pay this off, and informed them that it is now over 6 years old, they informed me that a payment had being recieved back in 2006, yet it was defaulted over 6 years ago by ge money, then was changed to aktiv when they took the debt over, and the default on my cra is now gone, they have said to me that they will have the default applied again to my account giving them another 6 years to pursue this, i know i have not paid anything to this since it was defaulted so where a payment came from in 2006 i dont know, i recall that ge did refund some charges which i am guessing they applied to this account, dont know where i stand with this now, does the statue barred still apply when it was on my cra and now removed?

 

Simples write to the fools and demand proof of said payment, I bet none ever arrives

[Nishikigoi]

i got a phone call this morning from them asking how i was going to pay this off, and informed them that it is now over 6 years old, they informed me that a payment had being recieved back in 2006, yet it was defaulted over 6 years ago by ge money, then was changed to aktiv when they took the debt over, and the default on my cra is now gone, they have said to me that they will have the default applied again to my account giving them another 6 years to pursue this, i know i have not paid anything to this since it was defaulted so where a payment came from in 2006 i dont know, i recall that ge did refund some charges which i am guessing they applied to this account, dont know where i stand with this now, does the statue barred still apply when it was on my cra and now removed?

 

As has been said stay off the phone and if for some bizarre reason you do talk to them on the phone at least record the call....

 

As for a payment in 2006 there are several things that stick out as a problem for the DCA...

 

First it's almost run the SB clock down again from 2006 anyway, second the debt mentions the Sheriff court and therefore it's a 5 year clock and probably SB'd again already!

 

As for this 'payment' if it turns out to be from GE refunding the account this did not come from you and is incidental, you have still not acknowledged the debt. If resetting the SB clock was this easy then every DCA in the land would be putting £1 in your 'debt' account every year to keep the debt open. They don't as they know it would serve no purpose as you had still not acknowledged the debt.

 

Reading again from the beginning you might want to go down the 'Prove it/CCA/SAR' path as this should keep them busy (unless I missed something).

 

Again as has been said, if it's not on your CRA fie then don't worry, if it pops up then time to get paid by the pond life!

[dx100uk]

pers i'd get reclaimin that useless ppi

 

money direct to your pocket for sure

 

dx

[stevvieboi]

hi can anyone give me some advice on the ppi calculator sheets, i had a charge card with ge money i have all my records and charges, but each payment and ppi payment is different from the next, when i open the compound interest calculator i enter the dates, the amount of charge etc, but it wont calculate the number of days elapsed, comes up with a wee red triangle and when i click on it it says you cant compare a date with a number because their data types are different, also when i open it comes up with

 

Missing Font - times new roman,serif

Import Warning - Indents in table cells were imported but aren’t editable.

Import Warning - Unsupported formulas in 252 cells were removed from Table 1 on “COMPOUND INTEREST CALCULATOR.” The last calculated value was used.

 

i am using a mac and the program is numbers, it also wont calculate the compound interest, any ideas? thanks

[ims21]

Hi

 

Spreadsheets will work in Excel and OpenOffice.

 

Don't know what the Mac equivalents are but you will need a program that is compatible with Excel and OpenOffice

 

ims