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AKTIV KAPITAL and ADVANTIS CREDIT old debts


phaitun
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dx, thanks again for advice, advantis are chasing, however upon receipt of my cca request stated they are referring it to their client - Capquest.

 

i guess i should send it to advantis as they recieved the cca

I am fighting it all the way :-x

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well its one dca trying to spoof you into paying another.

 

your letter will go in the bin anyway.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sort what out

if they want you to pay them

they need the legal paperwork

 

and they know it!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thats great dx, however after reading this site for the last 3 weeks, i fancy a bit of claiming back unfair charges as i believe these are what caused most of the old problems i had with the ex mrs, 2 kids and excessive charges to contend with.

 

Most of the debts i had were years old, however i used a DMC for a while, and later when i sacked them i made token payments to DCA's before i got so annoyed at their harrasment, wishing to increase payments and calling me at work etc then so just gave them a bit of verbal abuse or ignored them or started to ask them stupid security questions until they gave up.

 

Now as approaching statute barred they have raised their heads again, i want to either get them to confirm they cant enforce it, then start a claim for charges and penalties.

 

How far back can i go for reclaiming charges, i never had any ppi as never needed it as i have had a good job, secure with civil service for 15 years, however the debts were from when i was young and then had kids/divorce etc

I am fighting it all the way :-x

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typically its only 6yrs unless oyu go the court route

 

but i'd go for the full monty then see wha they say

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

still no replies, guess they have no papier to share

 

will wait another week and then send a letter, asking them to close their file and never chase me again as they obviously have no paperwork to prove any debt actually exists

 

Will see what reaction that gets ~ lol

I am fighting it all the way :-x

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wait the week and then send them the account in dispute letter...... if they aint god a CCA u will find they will send thier case closed letter and will prob sell it on or send it back to the OC

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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i got 50 pounds out of AK they tried getting me for a debt that wasnt mine the fos made them pay up :)

some of the proceeds i donated to CAG hehehe

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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yes

 

ppi

or

penalty charges

or

dodgy paperwork

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Does the likelihood of it being statute barred come under the discount offer as well?

 

Yes it does, one of the main reasons they make the discount offer.

 

You see it as a great saving but in reality it does not need to be paid...they fleece you.

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nah let a sleeping dog sleep

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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Will let them sleep, however have some recorded searches on my cra file marked DEBT COLLECTION and OUTSTANDING DEBT 2010, 2011 and this year, i want them removed as its harming my CRA ability to get credit, not had anything from any of these for a while only the named above and ARROW/CARTER which im running a different thread on.

Can they mark my file like this?

 

26/01/2012

Debt Collection

Fredrickson International Ltd

26/01/2011

Outstanding Debt

Mackenzie Hall - Kilmarnock (Bat

05/10/2010

Outstanding Debt

Mackenzie Hall - Kilmarnock (Bat

06/04/2010

Outstanding Debt

-Credit Solutions Ltd/csl/cougar

26/01/2012

Debt Collection

Fredrickson International Ltd

26/01/2011

Outstanding Debt

Mackenzie Hall - Kilmarnock (Bat

I am fighting it all the way :-x

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Hi phaitun

 

 

This seems to be the industry’s (sic) latest tactic as direct harassment becomes less acceptable to the powers that be. I believe we are developing a strategy to counter this very firmly rooted in EU law and Regulations (same thing really).

 

x

 

v

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  • 5 weeks later...

Yesterday receive a letter from CAPQUEST stating they have received correspondence from Advantis regarding my CCA request and will get back to me shortly.

 

Should i send them the letter that they have defaulted on their obligations under CCA now?

 

Also should i SAR the OC?

I am fighting it all the way :-x

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I would wait and see what they come back with no point wasting £10 when u don't have to

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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you'll only prob get back 6yrs worth and that will come off the card

 

unless its been sold?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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