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    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
    • China green-lights mass production of autonomous flying taxis — with commercial flights set for 2025 | Live Science WWW.LIVESCIENCE.COM The EHang EH216-S autonomous flying taxi is the first eVTOL ready for mass production and could lead the way for flying cars around...  
    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
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Aktiv Captial - Haven't a clue what for!


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Hello again good people,

 

I received a letter yesterday from Aktiv Capital regarding a "New Deal" asking my to pay off a certain percentage of a debt in final settlement or set up a payment plan with them to pay it off. The total debt is apparently just over £300.

 

Now, the letter doesn't state what the debt is for or who the original creditor was. In fact, it says nothing. Just along the lines of "pay us this now."

 

This is about the 6th letter I have received from them in about 3 months, but none threaten further action etc.

 

I checked my experian credit report about a week ago, and there is nothing from Aktiv Capital on there, just two defaults with Lowell, one of which is settled.

 

I'm assuming that it could be Statute Barred, but not sure how to go about it, as I have no details of the debt?

 

Could anybody put forward some advice please?

 

Many Thanks.

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fishing comes to mind

 

Could be. I mean, I'm sure it was probably a debt of mine at one point, but the fact they provide no details of who the debt was incurred with, makes me sceptical that it is enforceable.

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Hello again good people,

 

I received a letter yesterday from Aktiv Capital regarding a "New Deal" asking my to pay off a certain percentage of a debt in final settlement or set up a payment plan with them to pay it off. The total debt is apparently just over £300.

 

Now, the letter doesn't state what the debt is for or who the original creditor was. In fact, it says nothing. Just along the lines of "pay us this now."

 

This is about the 6th letter I have received from them in about 3 months, but none threaten further action etc.

 

I checked my experian credit report about a week ago, and there is nothing from Aktiv Capital on there, just two defaults with Lowell, one of which is settled.

 

I'm assuming that it could be Statute Barred, but not sure how to go about it, as I have no details of the debt?

 

Could anybody put forward some advice please?

 

Many Thanks.

 

Is it the Lowell debt, which has been passed onto AK to chase. AK don't always appear to have very good record of debts. Suggest that you send their latest letter back, with a prove it letter.

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

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AK are generally a debt purchaser that farms out debts to DCAs, on occasionally pursuing themselves.

Until they actually state what they are chasing I would not make any response at all.

 

They are in breach of the OFT Guidance in not stating clearly what they are chasing, let them dig their own hole and we can bury them later.

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A.K. so called deals are the pits, 50% write off if you pay over three installments. the longer you take to pay the less discount down to 1% over 7 years, = they win all round as if you cannot pay quickly they eventually they make 100% profit over the longest period of time, not like other DCAs who say pay £50.00 for instance and they write of £50.00 type thing.

:mad2::-x:jaw::sad:
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all discount letters = SOMETHING IS WRONG

 

SAR the OC and get even MORE of a discount

 

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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all discount letters = SOMETHING IS WRONG

 

SAR the OC and get even MORE of a discount

 

dx

 

Unfortunately I have no idea who the OC is, as AK haven't stated what the debt was nor who the original creditor was - tells me nothing about the debt at all in fact.

 

Brig, appreciate the advice. I may hold fire for a while then and see what happens, but I know eventually I will tire of all of these useless letters coming so often.

 

Unclebulgaria - thanks for the link - if the letters continue or get more frequent I will send the letter you recommended.

 

Thanks all.

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