Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • UsedCarMan
      Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card.

      By UsedCarMan · Posted

      Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Johnny1 leg
      2010 Loan Debt from Dubai bank last paid 2009 and IDR letters by Email

      By Johnny1 leg · Posted

      Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • AndyOrch
      Licensed breeder Puppy farm & genetically sick pups.***Settled***

      By AndyOrch · Posted

      Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and thank you for concluding your topic, title updated.   Andy   .
    • AndyOrch
      Licensed breeder Puppy farm & genetically sick pups.***Settled***

      By AndyOrch · Posted

      So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Aktiv Kapital (uk) Ltd

LILIANMAY15

By LILIANMAY15
in Debt Collection Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5338 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

LILIANMAY15

LILIANMAY15

Posted
Posted

Hello Everyone Hope You Are All Well.?

I Joined Today.

Last Week I Received A Letter From Aktiv Kapital Addressed To Me

By Name Asking If They Have The Right Address For My Name And If I

Am That Person To Contact Them. I Did Not Do So.

Today I Received Another Letter From Them Different Headed Paper

Same Compant Requesting Validation Of Details We Hold For You.

I Looked Them Up On The Internet So I Know Basically They Are Debt

Collectors.

Any Suggestions From Anyone.

I Had A Quadruple Bypass In 90's And A Side Affect Was Severe Depression I Lost My Job ,home And Was Made Bankrupt In 1999.

I Have Since Not 1997 Bought Anything Or Had Any Loans So This

Or Anything Like Know Worries Due To My Depression Even Though

I Know I Have No Debts After 1999 My Mind Isnt Always Logical.

Sorry This Is A Bit Long Winded.

Link to post
Share on other sites
ODC

ODC

Posted
Posted

Do not respond to these paras*ites. Keep their letters and come back here if they send you any begging letters looking for money.

 

They are only a DCA and have no LEGAL powers. You do not have to reply to them.

Link to post
Share on other sites
Undercover-Elsa

Undercover-Elsa

Posted
Posted

Hi Lilianmay,

Welcome to CAG :)

Sorry to hear about your problems.

As PGH so rightly says, it's just a phishing trip which can be ignored .

Even if by a long shot they had come up with a forgotten debt which hadn't been covered by your bankruptcy, then by now it would be Statute Barred as its longer than 6 years since.

Come here anytime if there's any more help you need, or if they start pestering you again.

Remember too, if anyone tries to contact you on the phone about it DO NOT discuss it on the phone.

Don't waste any precious time worrying about it :)

Take care,

Elsa xx

Link to post
Share on other sites
Undercover-Elsa

Undercover-Elsa

Posted
Posted

Lilianmay, do not worry! You're anxiety is understandable, having been through the mill with a bankruptcy and your health problems.

It's different now though...people are much more aware of their rights, and are telling these rogue debt collectors where to get off.

We'll help you through every step of the way. There's nothing to fear from these people .

Take care and any time you need help or just to chat for reassurance, come here :)

Elsa x

Link to post
Share on other sites
ODC

ODC

Posted
Posted
Phone them up and a laugh with them,I've had the same letters relating to a debt from 1997,they admitted that they could not take me to court as its statute barred but apparently they have other "methods" to collect the debt.....don't be afraid of these c***s,they're just trying their luck

 

Did they actually put in writing that they have ''other methods'' of collecting SB debt. Im sure the OFT would be interested to hear what these methods are

Link to post
Share on other sites
greendollar

greendollar

Posted
Posted
Did they actually put in writing that they have ''other methods'' of collecting SB debt. Im sure the OFT would be interested to hear what these methods are

 

No,spoke to AK's Craig this morning on the phone,I did ask him to elaborate on what these other "methods" were but he said that it wasn't his call and would be passed on to someone else,I did point out thay as they couldn't legally force me to pay then the only other way must be illegal,he declined to comment.

Link to post
Share on other sites
katpuss

katpuss

Posted
Posted

Hi Lilianmay,

 

First of all love and hugs to you. I know what depression is like having suffered from it in the past and now suffering from OCD. It helps typing away on this forum to control the OCD!

 

Now please ignore Activ Kapital (any company that doesn't use proper english in it's company name should be laughed at!)! They chase me for a debt that I didn't owe and I refused again and again to pay it and disputed it at every level.

 

Eventually they wrote it off due to my perseverence so if you need help in the future please contact me. :D

 

Don't ever phone them as they try to run rings round people. Just ignore them!

 

If you say that you haven't borrowed anything since 1999 any debt that you are now chased for is statute barred.

 

Take care

Katpuss

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

Link to post
Share on other sites
ODC

ODC

Posted
Posted

 

Now please ignore Activ Kapital (any company that doesn't use proper english in it's company name should be laughed at!)!

 

The DCAs really do come up with grandiose sounding but in reality totally meaningless names.

 

Intrum Justitia WTF

 

Robbinscum Way

 

Crapquest

 

Crapbot

 

Westcrap

 

Moorcrap

 

 

 

The list just goes on

Link to post
Share on other sites
SL8R

SL8R

Posted
Posted (edited)
The DCAs really do come up with grandiose sounding but in reality totally meaningless names.

 

Intrum Justitia WTF

 

Robbinscum Way

 

capquest

 

Crapbot

 

Westcrap

 

moorcroft

 

 

 

The list just goes on

 

Like FIRE... (cant remember who there akin to, but rediculous name)... Implies you will get burnt - i prefer to think, u can p1ss on em to get rid of them...

 

I have had dealings with Intrum in the past and to be honest, they seem to be toward the bottom of the food chain. With me, they pressured me into payments, then tried to up the payments, then offered me an F&F figure. When i refused to make any further payment until they prove the debt, they disapeared...

Edited by pete2k8
Link to post
Share on other sites
tindwcel

tindwcel

Posted
Posted

I ignored AK completely and they eventually "gave up" and were replaced by Thames Credit. I say "gave up" because TC are actually part of AK, although not, it seems, in the same way that FIRE are nothing more than a different letterhead used in West Malling.

 

TC eventually really did give up ( after a long time and a lot of letters).

 

Then up popped BCW, who disappeared after only 3 months of ignorage.

 

After that it was ScotCall, who also seem to have no stamina.

 

 

----

 

On the subject of fake DCAs, I found it interesting that all my letters from FIRE were apparently from a FIona REeves. LOL.

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...