Jump to content


blondiegirl

Aktiv Kapital (Goldfish) CCA - **AP markers removed**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1720 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

No CCA No PAY!

 

They have failed to provide the agreement, as is your legal right, therefore you are well within your right to ignore them.

 

You are now also in the strong position to offer them a F&F offer, BUT on your terms, which will include cleaning your credit file of all adverse data regarding this account.

Plus a measly offer of 1 or 2 % of the total amount.

 

However, I know what I would do, copy that letter and file it away.

 

How long before it drops off your credit file?


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!

 

 

Share this post


Link to post
Share on other sites

I don't have anyting to offer them for a F&F settlement unfortunately. The BIG issue with this account is that they're reporting it as AP so until the balance is paid off + 6 years which could take a LONG time. This is causing major issues for us :-( It could still show in 15 years which would then have been reported for 21 years or so :-(


- BlondieGirl

Share this post


Link to post
Share on other sites

Hi Blondie,

 

You should NOT be compromised by your ongoing payments and there is guidance in place about this. The reporting of data by the CRA's should only show for 6 years from when the a/c defaulted (maybe a month or 2 after you stopped paying the required amounts).

 

That way, you are not treated unfairly compared to someone who makes NO effort to repay a debt and will see the debt fall off their CRA files after 6 years.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

But I thought the guidance had changed recently on this? I will be writing to them to BEG them to change the AP markers, default me, whichever. I don't want to get into debt, but we can't do anything regarding housing, car. Nothing. And until the AP markers are gone, our life is on hold. Their references to court cases also bother me.


- BlondieGirl

Share this post


Link to post
Share on other sites

Hi Blondie,

 

I see no point at all in begging for AP markers to be changed unless they are technically wrong.

 

Get the SAR sent off so you can see how much was added to the a/c.

 

I still stand by my comments at item 2. in post #13 - best way to get adverse data removed is to show that their data is inaccurate due to the debt figure including unlawful penalty charges.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

I will get the SAR sent off, thank you :-)

 

I don't think there would have been much added. If the balance were in the thousands, there would only have been a couple of hundred pounds added (possibly). Would this be enough to show inaccuracies that would mean the AP markers would have to change? I don't understand why they didn't default me in the first place.


- BlondieGirl

Share this post


Link to post
Share on other sites

Hi Blondie,

 

If you reclaim all penalty charges with restitutionary compound interest, a couple of hundred in charges could mean a reclaim of £1,000 or more, depending on the penalty dates. The older they are, the greater the effect of compound interest.

 

Read up on this in the BC forum and the Barclays **WON** forum where there are many old and recent examples of *WON* cases.

 

This is probably the best chance of getting adverse CRA data removed.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Thanks for replying :0)

 

They have held all interest and charges for the last 6 years. There may have been some added when I was unable to make payments until we went with the CCCS/Stepchange, but not much. I have read elsewhere (moneysavingexpert) where a chap wrote to Barclaycard asking them very nicely to remove the AP markers, which they did; he was in a similar situation. I was going to send the same letter and see if they will help me.

 

I don't suppose you have the link to the SAR letter do you please? Someone was kind enough to paste a link before, but when I tried to use it, it didn't find anything.


- BlondieGirl

Share this post


Link to post
Share on other sites

Hi Blondie,

 

Does this link work for you - http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request&p=4192184&viewfull=1#post4192184

 

If not, go to the Library button (green writing at the top left of any page) and hit the Data Protection heading. The SAR letters are there.

 

You could ask them nicely to remove CRA markers if you want. No harm in trying.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Well I flippin' never!! Mini celebration and triumph. Barclaycard and Aktiv Kapital have agreed to amend my credit file and remove the AP markers!!! WHOOPDY DOO!!!! Only MBNA a/cs to sort now :-)


- BlondieGirl

Share this post


Link to post
Share on other sites

good. what did they actually say, did they say why?


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

They agreed with me that it was unfair to report AP markers for in excess of 20 years when I have been paying the debt off. She agreed that they should only report for them for 6 years, like a default.

 

As they've sold the debt on, they contacted Aktiv Kapital who have also agreed to remove things their end. It will be done by the end of the week apparently. A very helpful Barclaycard which has made my day!


- BlondieGirl

Share this post


Link to post
Share on other sites
They agreed with me that it was unfair to report AP markers for in excess of 20 years when I have been paying the debt off. She agreed that they should only report for them for 6 years, like a default.

 

As they've sold the debt on, they contacted Aktiv Kapital who have also agreed to remove things their end. It will be done by the end of the week apparently. A very helpful Barclaycard which has made my day!

 

thats good :)


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites
:thumb:

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!

 

 

Share this post


Link to post
Share on other sites

Hi Blondie and well done for your persistence.

 

This should encourage others to challenge banks and DCA's about the reporting of adverse CRA data beyond 6 years.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Oh, and as well as getting the AP markers removed/account removed, they offered me £50 for all the hassle caused :-)


- BlondieGirl

Share this post


Link to post
Share on other sites

and have also sent the SAR today too, in case there were any fees added 6 years ago.


- BlondieGirl

Share this post


Link to post
Share on other sites

Yaay !! £50 compensation - better that a poke in the eye !!:whoo:

 

Let us know about this when you get the SAR response.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

I'm now starting to get all the SARs back. What a load of confusing printouts!!! Pages and pages and pages of the stuff largely in code and abbreviations.....I half expected more of a bank statement-type thing :-(


- BlondieGirl

Share this post


Link to post
Share on other sites

Hi Blondie,

 

The SAR is a demand for data, not for specific documents. That's why you may get the data but not in the form of statements.

 

Go through it all carefully so you can identify any penalty charges made, so you can enter them on a site spreadsheet.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Hello :-)

 

 

I managed to get Barclaycard to agree to remove my account from the CRAs

which was being reported on for over 6 years as AP.

They were really helpful, called Aktiv Kapital and the account was removed from my credit file :-D

 

So no trace of Barclaycard or Aktiv Kapital was showing.

 

Or so I thought.

 

 

I checked today, and notice for the last 2 months, Aktiv kapital have started to report AP again.

Dec 2014 and Jan 2015.

 

 

They can't do this can they?

 

 

I thought that once a debt had been removed, no DCA or OC can re-add it to my credit file.

 

Help! Please. And thanks :-)


- BlondieGirl

Share this post


Link to post
Share on other sites

I would be copying the BC letter to AK and demanding compensation if they don't remove it pronto

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi BG,

 

I would send a letter to AK, and a copy to BC, demanding the removal of the CRA entries and compensation for their actions, failing which you will take court action to seek significant damages.

 

Tell them you require their considered response within 14 days.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...