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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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Aktiv Kaptial Default removal help please

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Hi, new to the forum and have a nightmare that I'd like some help with please.


I applied for a couple of bank accounts recently and was declined, even with credit scores of 921 with experian, and similar with Equifax.


Spoke to experian who then linked my file with my old address, even though they had it on file already, and a defaul notice via Aktiv Kapital was applied to it.


The default relates to an overdraft I had with HSBC some 2 1/2 years ago and I paid the amount in full to Atkiv Kapital. Naively being told that because the debt was settled that my credit score would not be affected. As of today it's now gone down to 699 and is in the Poor category.


Experian advised me that the only people that are able to get the Default removed are Aktiv Kapital.


First phone call with them ended up with the call handler being aggressive and offensive over the phone. Called them back and spoke to their complaints department.


They say that they're now going to apply for the relevant documentation from HSBC regarding the account that I defaulted on.


Is there any way of getting the default removed, or am I screwed until 2013.


Thanks in advance,



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The Experian and Equifax scores mean nothing. Each lender has their own criteria in assessing creditworthiness, which is a closely-guarded secret. The CRAs don't know what each lender's criteria is. But you are correct in saying that the default lowers your credit score.


If you're having difficulty opening bank accounts because of the default you could apply for a Basic Account. This doesn't come with an overdraft and cheque book, but some banks give you a full Visa Debit card (i.e. Barclays, Co-op and Lloyds TSB).


There are ways of getting the default removed. However please could you could supply further details, such as:


1. Did you receive a default notice?

2. How long did they give you in the default notice to clear the arrears?

3. Was the default notice issued after 3 months of missed payments?

4. Was the default date on your credit file shortly after the end of the notice period in the default notice?

5. How much of the overdraft relates to bank charges (and interest on bank charges)? Don't worry about the Supreme Court decision a few weeks ago - there's still hope.


Don't speak to Activ Kapital over the phone. Also make sure that if you do post details on this forum, although it sounds obvious, please leave out anything that may identify you, such as account number, reference number, etc.

Hacksaw -v- Allied International Credit/Fairmile Partnership (incorrect Default) **WON** £150 out-of-court settlement

Hacksaw -v- Carphone Warehouse **WON** Default removed after LBA

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