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Aktiv Kapital & Time Retail Finance store card - Can i send a CCA


KeefG
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Along with my other thread, i've also got Aktiv Kapital chasing me for a debt to Time Retail Finance for a store card.

 

I've paid monies to Aktiv in the past with regards to this debt and acknowledge that it is mine, but in my present circumstances i'm struggling to pay the debt.

 

I've recieved a letter this morning threatening legal action or enforcement from them unless i respond within 14 days, but i'd really rather they didnt go down this route.

 

I've also tried resoning with them on the phone but the people at this firm are quite possibly the most ignorant set of to****s i've ever had the misfortune of speaking to.....so i'd rather not go down this route either!

 

The debt itself is approx 7-8 years old now, so i'm wondering if i could send a CCA and get rid of the enforcement possibility and then make them an offer on the account that i think i can afford.

 

Also, can i request a statement off them of all monies paid by me? And do i ask for that at the same time or wait for their response from the CCA?

 

Thanks in advance folks :-)

To quote Public Enemy.........

"Fight the power, fight the powers that be" :D

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hi keef

wouldnt hurt to do both.. there may well be ulawful charges on the account, which you can challenge..

good luck

karen

cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

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CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

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sod off rerceived 25/9

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claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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Along with my other thread, i've also got Aktiv Kapital chasing me for a debt to Time Retail Finance for a store card.

 

I've paid monies to Aktiv in the past with regards to this debt and acknowledge that it is mine, but in my present circumstances i'm struggling to pay the debt.

 

I've recieved a letter this morning threatening legal action or enforcement from them unless i respond within 14 days, but i'd really rather they didnt go down this route.

 

I've also tried resoning with them on the phone but the people at this firm are quite possibly the most ignorant set of to****s i've ever had the misfortune of speaking to.....so i'd rather not go down this route either!

 

The debt itself is approx 7-8 years old now, so i'm wondering if i could send a CCA and get rid of the enforcement possibility and then make them an offer on the account that i think i can afford.

 

Also, can i request a statement off them of all monies paid by me? And do i ask for that at the same time or wait for their response from the CCA?

 

Thanks in advance folks :-)

 

I would send them CCA - is this the 7/8 year old one the one that you have been paying?

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