aktiv kapital / aic

[mcvey123]

Hi there

 

for some years now I have been dealing unsuccessfully with Aktiv kapital. they bought 2 debts from GE that I had, and at the same time, I was paying one of them off to AIC. these debts are 5 years old.

 

then I paid off both, one to aic as I was already paying them for it, and the other to aktiv kapital. I sold my house to pay for these and thus moved, happy in the knowledge that all was well etc.

 

4 years later, I get a copy of me credit report and there are the 2 defaults and they say that I have gone away and not paid. So after a few months of wrangling, I get them to update the one that was paid to them (I have to get a copy of the cheque I sent them and it was a nightmare)

 

the second one (which was paid to AIC) they will not update saying that it is still owed to them and I must prove to them I paid it...

 

Aic will not give access to this information as it is archived (it was paid by one of those slips for the post office that they send you so no cheque) and I need the original aic account number, not the ge account number, they are unhelpful and a complete nightmare. I sent them the data protection letter with a postal order and that was at least a year ago, I sent them further letters, nothing in reply from them!

 

I, in the meantime sent all the paperwork to aktiv kapital to prove that I owe them it, they were unable to provide any of it, not the original agreement, default, or the transfer of the debt. so I wrote to them saying that the debt was unsubstantiated, it was paid in full, go away and leave me alone.

 

I also got in touch with ge who say that the account is clear on their side but this could be because it was paid in full from a debt collector or bought by a debt collector.

 

A year has passed and Buchanan wells and clark solicitor have now written to me on behalf of Aktiv kapital, I tried to explain to them that I don't owe any cash and have posted the paperwork Aktiv Kapital sent saying they could not provide any original agreements, default etc.

 

If only Aic would respond. In August this year, it will be 6 years and I was hoping it would drop off the credit report anyway, but it seems that the harrassment will not end.

 

what to do? dca are a bunch of arrogant people who won't help whether you pay or not! incidentally, with the moving of house all aic letter are lost, after paying in full, I naively didn't realise the importance of keeping them,

 

Sinead

[mcvey123]

sorry, need to clarify, on the credit report, the defaults are to a.k. not ge or aic. tell me also, can they now apply for a ccj after so much time has lapsed?

[mcvey123]

any help would be appreciated, I know this crowd are tricky people to deal with!

[twofoot]

They can apply for a ccj anytime but if you defend it as statute barred (6 years old) it would be set aside. They could get a ccj by default if you ignored it and didn't defend.

[PGH7447]

write to both and demad their complaint procedure then when they fail to respond report them both to the FSA and OFT, let them deal with it.

[mcvey123]

I have just received a reply from aic saying that they have received payments on the account and that it was not cleared completely.

 

However the amount owing is just over £200 and aktiv kapital are chasing me for £450. Obviously the debt that they bought from GE for £450 cannot be correct when the balance owed was much less. I am going to write to Aic and GE again to ask for statements to see if many charges were added to the account because this is likely to be made up of these.

 

Aktiv kapital surely are wrong in their information, and while I do not mind paying any money owed, their aggressive pursuit makes me determined to hold them off.

 

the debt will not be 6 years old until september 2009 according to the credit report. this is the only debt I have, having successfully gained back £9000 in charges and having default removed from various companies from this period.

 

Aktiv kapital are the only crowd I am having difficulty with!

[PeeCee]

I've got problems with these guys too. Does anyone know if the clock starts ticking for the 6 years from the date of the card purchases/first statement or from the date the default was logged with Experian/appears on your credit reference? In my case there is an 18month time difference and there may well be a time difference for mcvey123 too

[mcvey123]

I think it could be 6 years from the default, but I could be wrong.