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    • Minster are seriously a bunch of muppets if they think they could secure a court win on what they have currently provided document wise...still i am not going to be complacent 
    • Hey,   Just wanted to share a quick experience for a lost Hermes parcel worth a couple of hundred pounds. I accepted Hermes' offer to use mediation and was pleasantly surprised! I read all the threads on here and thanks to the Bankfodder's great advice I came in confident and with notes and was not prepared to reduce the claimed amount even by 10p.    Firstly Hermes stated that my item was not one that is normally covered and due to its fragile nature it is not compensated and secondly they gave the ordinary "you have not opted for insurance bla bla". These were their points and even before I started stating my arguments they were already out with an offer to cover the item value in full and the postage costs for it but NOT the small claim fee of 25 pounds. To me this sounded as a reasonable compromise since I got other things to do during the day. This 25 pounds compromise was about 5 percent  of the overall claim value so that was fine by me.    I went to mediation extremely sceptical having read some of the other ppl's experiences, but I'm glad to say mine took only 2 quick calls, everything was settled in no more than 20 minutes, the mediator was superb, extremely friendly, polite and with a sense of humour  and they just asked me to send my bank details in response to their upcoming email and that was that.    p.s -> I could feel the mediator was actually on my side a lil bit, but what reasonable person would side with such a shameful and honestly disgusting company anyway   All in all, I would highly recommend the experience for anyone who's still on fence regarding mediation. Open small claims against them Hermes mfs, make them pay, they are so aware of their unlawful approaches ! On my part, I will never ever use Hermes services ever. However, in fairness, this whole saga's been going on for two and a half months and I've lost so much time and effort and nerves on the matter that it was worth at least 10 times that settlement. I've been through 41 calls with them regarding the item and went to their depot twice to look for my item...   Have a great week guys/gals   Best
    • i see you have all the statements in the earlier post    pop welcome int rate in cell d15 of out CI sheet Latest Spreadsheets - PPI Claims and Charges Claims - Dec 2011 - Payment Protection Insurance (PPI) - Consumer Action Group   enter every penalty charges. on it date    
    • dx I manage to locate quite alot of paperwork from welcome sent previously - what am I looking for? Im a bit worried that they are going to start court proceedings after their letter last week, im not keen to send them bank statements   Hi peterbard this is a secured loan , i dont believe there is any policy in place   dx should I have sent an SAR to Welcome and Coast even though Coast had taken over the loan?  I have a pile of paperwork i have located thats about 2 reems of paper, from the SAR's I have sent previously.  There is a lot of information - the SAR requests more recently were sent on CDROM and were not accessible after a certain amount of time (i think the username and passcode expire or something)
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Aktiv Kapital, sorry who?? Comet (Time Retail Finance) store card


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12 years ago I had a Comet (Time Retail Finance) store card which I spent about £600 on. I paid this for years (min payments mostly) and the balance only ever got higher.

 

Anyway, the last payment I made towards it was back in June 2008 after which time Aktiv Kapital began chasing me for it. In my credit file with Equifax, the Time Retail account is showing as "Settled" and the one that keeps my score down at Poor is the "delinquent debt" to Aktiv Kapital, now standing at £949. I have now started to get calls from another company called Buchanan Clark and Wells so maybe Aktiv Kapital have sold it on to them??

 

However, I want to know if,... as I have never entered into any agreement with Aktiv Kapital and the original Time Retail account is closed, should I send Aktiv Kapital a CCA request and if they fail to provide it, can I realistically hope to get this one removed from my file?

 

Thanks for any help anyone can offer.

Mick

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You won't get it removed from your credit file. If you paid it, it will show as satisfied, but will still be showing until 2014.

 

All that appears to have happened is that Time Retail Finance sold the debt to AK, who have taken over the default on the credit file and they have now asked BCW to chase for the debt. I am not sure that BCW buy many debts, as they mainly appear to just chase on behalf of others.

 

As the debt will be on the credit file until 2014, it is up to you how you deal with it. If you ask for the CCA and they can't provide it, they can still note the credit file, per McGuffiick v RBS. It is not as if you will take AK to court, to get them to show that they have legal paperwork to show they bought the debt, so have the rights to note your credit file. No point complaining to the FOS or ICO.

 

The TRF will show as settled and then AK replaced them as a new entry, having bought the debt.

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Aktiv Kapital are a debt purchaser so when they aquired the account the also inherited the Ts & Cs rights and oblogations of the original so there is your contract with them.

 

If you want a CCA send the request to BCW as the last compnay to contact you.

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BCW are not Debt purchasers - they will be acting on behalf of the original creditor or new owner - in this case it would appear to be Aktiv Capital

 

If any of the increase of the debt is due to charges - then you should reclaim them from the original creditor.

 

IMHO, the debt should have ceased to increase at the time of assignment.

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BCW are not Debt purchasers - they will be acting on behalf of the original creditor or new owner - in this case it would appear to be Aktiv Capital

 

If any of the increase of the debt is due to charges - then you should reclaim them from the original creditor.

 

IMHO, the debt should have ceased to increase at the time of assignment.

 

Beware of AK, as they appear to make mistakes. With a relatives debt, they somehow made a debt that was originally about £500 into a debt of about £2500.

 

If you want to settle with AK, then offer them a full and final reduced settlement amount, provided that your credit file is fully satisfied. If the debt is noted as £900 is, I would expect them to accept say £300. They would have paid less than £100 for the debt of £600, so they will be delighted with the profit.

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

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If you pay up a defaulted account it will be marked as ''satisfied''.

Have you checked that the amount claimed is the same that shows

on your credit reference files?

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