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Aktiv Kapital Default Removal

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Help!

 

I am experiencing problems with Aktiv Kapital and was beginning to think that there was very little I could do about it until I came across this site.

 

I held an account with First National Tricity Finance between 2000 and 2003 under an HP agreement. I wasn't always dead on time with my payments but was never more than 2 months late. In the last year or so of the agreement I was paying by DD and no payments were ever late. The DD payments stopped when I assumed the account was closed. A year later I was contacted by Westcot requesting £120 that I 'owed' First National. In a bit of a naive moment I promptly paid it.

 

Later in 2004 I was checking my credit files with Experian and Equifax to discover that First National AND Aktiv Kapital had recorded defaults against me. I quickly wrote to both companies to insist that this information was incorrect and explained that I could not default if I was unaware that I owed them money.

 

No reply from either company...

 

When checking my credit files again later that year I discovered ALL information from First National had been removed but the entry from AK still existed. I found out that AK and Wescot were linked and for the past two years have sent numerous letters to AK requesting that they remove their default. On one occasion I did manage to get through on the phone to their company to be told that First National would need to confirm with them that there was no default before they could remove it.

 

I have sent letters to first national and AK to continually request some cooperation but to no avail.

 

Should I be able to get this default removed?

Should AK have registered this default?

Were they allowed to?

 

I dont care about the money i just want negative information removed from my credit file.

 

Can anyone help advise me?

 

I would be really grateful of any help.

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Hi App1es,

 

As you've probably read from the other posts about defaults, it's a hard process to initiate, but it can be done, there are some success stories around! (I think)

 

I'm currently trying to get a default removed from my credit file too, but

with HFC. Here's a link to my post.

 

http://www.consumeractiongroup.co.uk/forum/hfc-household/42422-lees-hfc-household-bank.html

 

They've just received the letter today so I hope to hear back from them soon, I've already been fobbed off once!

 

Cheers,

Lee


HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

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It is more than likely that the £120 you paid in 2004 would have included

unlawful charges levied by First national and possibly by Westcott too.

 

If you read the FAQS on the forums first page, you will understand the thinking behind the actions taken to recover these unlawful charges. The

other benefit in discovering how much of the £120 is made up of charges,

is that the higher the figure, the less reason Aktiv have to list the £120 as

a default. In any event, as you no longer have an agreement with any of

the three companies, they have no valid mandate to process data about you.

 

To start the ball rolling, send an sar to First Credit and Westcott to find out

what the original debt was, and how much they both added to that amount.

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I'm having a right royal runnaround with AK and Equifax - did a S.A.R - (Subject Access Request) with AK and got all my details for an account from Comet and they have registered a default on my account from before I even had dealings with them. Now AK say that they remove the persons default whom they take over the account from and register it in their name - my argument is that they didn't include any of the necessary info for a default (original letter etc) with everything else from the SAR and also the fact that I had no dealings with them at that time (their own accounts show that my dealings commence some 6+ months after the default) so the information is inaccurate. Still having no joy but am sortof snowed under atm so not overly pursuing it.

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Can anybody tell me how to go about sending a SAR (subject access request). Is there a stardard form/letter? Or do I just request everything?

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All the info you need is in the FAQ's.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/


HSBC - S.A.R - (Subject Access Request) 30/10/06

 

07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....

 

Capital One - S.A.R - (Subject Access Request) 31/10/06

 

Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......

 

GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06

 

Store card account. Charges approx £200, prelim being sent off in the new year!

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