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    • Jeff believes, like fish, chips and mushy peas, they are an integral part of this country's DNA. While Rachel argues that her 'free' account is being paid for by someone else. View the full article
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    • I'm very sorry but this is very scant information and it certainly doesn't lay out the story in the way that I asked. Also there is absolutely no reason why you shouldn't identify the courier. as long as you are straight dealing and honest then it is better to bring things out in the open. we don't play secret squirrel here or get into any skulduggery. we are very pleased to help you and support you but you will have to lay things out in the open so can we can fully understand and provide us with the information that we have asked for  
    • Thank you BankFodder for the feedback and learning; here is the chronology which encapsulates the 'story'.  All parcels listed below were never delivered (for no apparent reason - the reason stated on the messages I received was that 'customer has no knowledge of purchases' ) by the courier who I'm cautious not to name in case there are legal implications for me personally. This matter is now in the Court system. I would be grateful if you could please confirm that you have seen the defence. Chronology Retailer Date goods ordered Date goods collected from retailer & promised for delivery by xxxxxx Comments / Breach of contract Holland & Barrett 23/09/2019 27/09/2019 Parcels not delivered – returned to H&B Debenhams 27/09/19 07/10/2019 Parcels not delivered - returned to Debenhams Holland & Barrett (re-order) 01/10/2019 07/10/2019 Parcels not delivered – returned to H&B Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams 29/09/2019 01/10/2019 Parcel not delivered - returned to Debenhams Debenhams (re-order) 01/10/2019 07/10/2019 Parcel not delivered - returned to Debenhams
    • If you want to save us all a lot of time, you can tell us the whole story in a chronology without too much narrative including who you are dealing with. We really can't say if you have missed a trick until you lay it all out.   In terms of not wanting to bother us, - very noble, but it is less of a bother if you come to us first so that we can help you to get it right first go  
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi,

 

Hopefully this is posted in the right area.

 

My girlfriend has received a few letters from BCW chasing her for an outstanding debt of 8K from Aktiv Kapitol (think that's how you spell it, haven't got the letters with me!)

 

Firstly the letters are in her married name. She has been divorced nearly 2 years and has been using her maiden name again for the last 3-4 years.

 

She has never had a credit card/agreement with Aktiv Kapitol, so has ignored these letters.

 

After looking through these forums, i now believe they have probably taken over the debt from someone else.

 

She has checked her credit report, which shows an entry for Aktiv Kapitol starting in Sept 2007 and defaulted as of Oct 2009,

 

although there are no other entries for this and no payment was ever made.

 

There are no other credit cards/agreements shown as in arrears/defaulted.

 

She and her ex-husband got into financial difficulty before they split.

She is still on the mortgage of their house, but as it is in negative equity,

the mortgage provider won't release her from it until it is in profit and he can remortgage on his own, which i can't see happening anytime soon.

 

She lives with me but is a stay at home mum, with no income of her own other than child benefit and child maintenance from her ex.

 

I pay all the household bills for us all, so she just spends what little money she has on running her car,

phone bill and stuff for herself and the kids, obviously supplemented by me where i can.

 

 

Bear with me as i'm nearly there!

 

She has now received a letter from BCW stating that they are now going to send round a door step agent??

 

What if any powers do these people have, if in fact the debt is actually hers, having been passed on from an old credit card?

 

She has no possessions of any worth and has very little money coming in.

As she is now living with me,

 

can anyone go after any of my assets?

Can my income be taken into account if she has to come up with any kind of payment plan?

 

Any advice gladly received.

 

Great forum by the way!

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BCW are not BAILIFFS

they are a DCA and have NO SUCH LEGAL POWERS

IF [and a big one]

some guy in a dirty mac does turn up

politely tell him to do one.

 

there is NITHING they can do.

you say this is on here CRA file so what type ofcredit was it?

 

for the OC to sell it

to A. kleaners, there must be something wrong with the debt.

 

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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Hi welcome to CAG.

 

BCW and any of their fake 'doorstep agents/collectors' have exactly NO LEGAL RIGHTS whatsoever, and if they did turn up unannounced then the ONLY discussion that needs to take place is to tell them to remove themselves from your property or you will call the Police.

If they fail to vanish when told then call the Police and report that you have a stranger on your property who refuses to leave when told to do so and you believe they will cause a breach of the peace, replace the handset and watch as the beggar runs off at the sound of sirens.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi DX

 

Equifax just says Credit card from Aktiv Kapital, it just shows the current balance as stated above, credit limit as £0, start and default date as sept 07 and oct 09, with the only entry in the payment history being the default entry in oct 2009.

 

She is adamant that although she did have debts, never had a card with these people!

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Aktiv Kapital Are a purchase company the will have acquired the account from the original creditor and are now the beneficial owner of the debt with all the rights and obligations of the original agreement.

So this debt will arise from a credit card provider such as MBNA, Barclaycard etc.

 

Make a CCA request to BCW.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Mind you, if they want to visit your doorstep, I'm sure it will make them welcome

CCA is spot on

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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