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    • Andy this is old news, I am afraid you are going to have a look at the GDPR Higher procedure for recording defaults on arrears or arrangements.   I am afraid it is not so simple anymore. I am sorry but I am to busy to hold your hand through it, and I am told not to post legal explanation.   OP Sorry. Perhaps that call to the ombudsman will clear it up for you.
    • Given that the OPS initial post is with regards to DCAs and not original creditors...its fairly unlikely that you would have or could arrange an AP marker...arrangement to pay..... (not a D marker as you refer to Peter) as the agreement would have been terminated at assignment and already recorded as a D.   D represents ‘Default’, which is recorded once the lender believes that the credit agreement has broken down, usually due to a sustained period of arrears. A default is also a form of account closure, meaning that defaulted accounts will be removed from your Credit Report once six years pass from date of default. That being said in some cases, the account may only be marked as closed with a Satisfied (SF) marker when the outstanding balance has been paid. This will depend on the lender or the Credit Reference Agency that they have reported the account information to. Regardless of whether a default is recorded as open or closed, if a balance remains outstanding you can still be chased to repay this indefinitely. Defaults will severely damage your Credit Report. They will only stop harming your Credit Rating once they have been removed, six years from date of default. This is regardless of any subsequent payment made towards the defaulted account.   DA – Debt Assigned DA is used to show ‘Debt Assigned’. This marker is reported when an account has been sold to a debt collector. The original lender will then record the status of the account as Debt Assigned to reflect that the debt has been assigned to another company.
    • Contactless shoppers could actually have to key in their Pin more often to prevent fraud if the tap and pay limit is more than doubled to £100 in the Budget today. View the full article
    • organised criminal gangs pull all kinds of stunts......
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Aktiv Kapital pay off staff


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No I dont work for a DCA anymore nor will I work for one again as truth be told I couldn't stomach speaking to people like yourself for 8 hours a day, as for the spelling error....stercus accidit, but you surely have more pressing things to concern yourself with, like paying your debts?

Edited by cerberusalert
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I don't have any debts, thank you. Obversely why do you think People like us want to speak to you badly trained and irrelevant imbeciles. Rude, aggressive, illiterate; obviously unemployable elsewhere. I think these organisations would be better served employing apes. At least they can be trained to use toilets

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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No you dont give 2 sh**s, thats why your on here ranting about us you moron

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PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Pay You Debts

 

From what I have read, contributors to this site do not encourage people to escape repaying debts. They are simply providing information and assistance, so people are aware of their legal rights.

 

If the financial organisations and DCA's operated efficiently and in full compliance with the relevant laws, including relevant industry requirements, there would not be a need for a forum such as this.

 

The industry that you work in or have worked in, is in a mess of its own making. This is why they resort to underhand ways of operating.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Pay you debts -Who's the fool me or someone with more time on their hands because the only job they had was a pointless existence on the end of a phone, trying to bully people who would pay their debts if they were treated correctly, not shouted at or bullied by companies who think they are owed money for doing sod all.

 

get a life or get out a here

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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PGH7447 - be quiet fool, I'm sitting here for sh*ts and giggles laughing at your daft reactions, I couldn't care less

 

yeah that's why mongs like your sad self sign up here to get a good arse kicking before running off into the night like a dog with their tail between their legs-we've seen 'em come,and we'll see 'em go again

 

now-once you clean the specks of mouth foam from your screen,read and digest

 

your days of bullying and lying to people draw ever closer to their inevitable end,thanks to sites like this one-you'll soon be brandishing your fresh new P45 and joining the ranks of the real world once again

 

don't go looking for alternative employment suitable to your qualifications,because traffic wardens,burger flippers and sewer cleaners positions are all full up

 

what you going to do when they cut even more costs by replacing the likes of you with a team of special needs primates?

 

DCA's

 

a cast-iron case case for euthanasia!

Edited by lickthewallfatboy

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I have two unsecured creditors, both CC's. I missed some payments owing to a small business problem. If I had been approached in a polite and professional manner by these organisations requesting a resolution I would have done everything I could to comply.

 

Instead I had a bunch of cretins calling me all hours making ridiculous threats! as a result of these threats they will now not see a penny unless it is on my terms! I have not spoken to any of these morons in months nor will I ever again! This sums up my response to the debt collection industry and I'm sure I am not alone.

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It warms my heart to read how desperate the DCA monkeys are these days.

They know their industry is finished & crumbling down around them.

Yet they come onto this forum and have ago at what they see is the reason for that.

Its like they think they are "wreaking revenge" or something - except it only makes Caggers laugh at them even more...

Just sit back Caggers, happy in the knowledge that the battle is being won! lol

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I think we should all spare a thought for Aktiv & Pay you debts....must be really hard for them at the moment....while us evil debtors are out spending loads of money and having wild nights out! haha

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Gone quiet hasn't it, it must be looking for some big words to try and use :D

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Here's some big words for it:

 

Cabot - lost

Aktiv Kapital - lost

Aktiv Kapital staff -lost

Ruthbridge - waiting for licence confirmation since last June

1st Credit - licence restrictions

More losses in pipeline

 

No wonder it and its ex-colleagues feel sick.:grin:

Edited by Pinky69
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'Pay you debts' - Even the username isn't correct grammar, which just about sums it up.

 

Why do I have the feeling that this imbecile has been trawling the Whocallsme boards as well, and principally the Cabot boards?

 

08450700381 Phone Number Details 3/3

01244500607 - who calls me from 01244500607? 1/5

 

What's the matter there? Job under threat? Frustrated because you can't make the grade? Annoyed because there's more customers who know that you're utterly powerless? Beginning to question the point of your own existence because of the fact that others are now aware of your complete and utter lack of authority and power - in the same way that impotence sometimes affects people? Like men who feel like eunuchs and beginning to hate themselves because they can't stand to attention anymore?

 

Don't try to come here with your bad spelling and frustration and try to instigate arguments, because you'll be eaten up. You don't have the wit or the knowledge to compete.

 

And if you are the same guy who was on the Cabot WCM boards, then you're a fool for even thinking of coming here, judging by the reception you got when you posted 10 sad, pointless rants on that thread.

 

Your rant sounds very much like pro-Murdoch/BNP propaganda to me - but susceptible minds are simple minds, right?

 

But, if you're a current AK member, then that current shaving of staff is only the beginning. We'll see your company in the gutter yet, just as it has in other countries.

 

And if your job's on the line - HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA

HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA!

Edited by F_DCAs
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If DCA's acted with more dignity and followed the law correctly there wouldn't be the need for forums like this. Its the DCA's who act unlawfully and use illegal practices not the consumers.

How is chasing a no-existent, SB or partial settled debt the correct way to behave?

We don't write the law but we are slowly learning the law.

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CAG CAPTION COMPETITION

 

 

internet_troll.jpg

 

 

After 6 long years in the call centre, Kevin finally finds a Credit

Agreement that is enforceable. Little does he know that because

it took him so long, it's now Statute Barred.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Yes Pay You Debt,

I normally do not rise to to such an imbecile. But YOU need a very severe lesson in the Law. Many many disputes are legitimate because of unlawful behaviour of the original creditor and cretins like you compound that issue.

 

The Statute LAW is crystal clear to anyone who can read at primary school level, you obviously cannot. If the alleged creditor has not kept or did not keep the documentation in order then the alleged debt cannot be enforced, it cannot be chased and there is TOTAL forfeit of the rights and benefits of the alleged debt.

 

It is scumbags like you who need a wake up call and be made to realise that it is the likes of you that have ripped the guts out of what was a fine nation with a history of its citizens being tolerant and law abiding. It is you and your kind that have brought all this about. Grasping greedy ruthless unethical criminals and nothing more. Please tell us when the law of the jungle works in your favour then that is OK, yet when the law of the jungle works against you and ordinary folk wise -up to your illegal antics it is not OK and we get this cacophony of stuck pigs?

 

I could say more but will get cagbotted.

 

oilyrag:mad:

Edited by oilyrag
anger makes my spelling worse
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Do not feed the troll, use this instead. ;)

 

 

ff3h2v.jpg

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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No troll spray for me. As you know, I love to play with the DCA staff who are deluded enough to pop up on here. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Well, that was quick exit from the troll. We haven't had one for a while - this one didn't try very hard, but then again, they never have the intelligence to understand. 'I'm an ex-AK worker'? Sure...

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Well, that was quick exit from the troll. We haven't had one for a while - this one didn't try very hard, but then again, they never have the intelligence to understand. 'I'm an ex-AK worker'? Sure...

 

They will all be ex-AK workers before too long. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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