Debt Sold

[Mr BoomBaztic]

My Debt has finally been sold to a company called Aktiv Kapital, any one had any dealings with this company?

Cheers

[Never-In-Doubt]

Re: Debt Sold

Loads! They're annoying but otherwise, same as the other DCA's

[Mr BoomBaztic]

Re: Debt Sold

Wow quick response, okay no worries ill just sit tight keep paying my monthly amount and wait for them to contact
me with their threats lol, The debt being sold may work in my favour now i can work on a settlement, Halifax dont even entertain settlements!

Cheers

[Never-In-Doubt]

Re: Debt Sold

Why are you paying?

[Mr BoomBaztic]

Re: Debt Sold

Why? This is my loan this has a valid CCA its my CC with Halifax thats not got a valid CCA

cheers

[Mr BoomBaztic]

Re: Debt Sold

I think i am going to just pay what i normally pay, Going to hope they come to me with offers of settlement

[daisy]

Re: Debt Sold

They will, about every six weeks!
I would advise caution at accepting one of their offers without checking all the details, as they might just sell the balance on, they have no morals :-(

[Mr BoomBaztic]

Re: Debt Sold

Every 6 blooming weeks just aswell they have no upto date contact numbers to contact me on which is a bonus,
Are you speaking from personal experience??

Cheers

[Never-In-Doubt]

Re: Debt Sold

What is the alleged balance outstanding?

Have you considered approaching Aktiv for a F&F deal? Offer 10% to start.

See this -> Making Offers - allaboutDEBT UK

[daisy]

Re: Debt Sold

Ongoing personal experience of the amount of trees that have been felled.

Someone on another forum accepted their offer, but within six months the debt balance had been sold on, don't know the outcome of that case, however, if you are tempted to accept an offer, check and recheck all the details.

First hand experience of the lack of morals, as they faxed my previous employer, to ask me to contact them, it was quite obvious what the fax related to and as it was a small vet surgery, it felt quite excruciating!

[garlok]

Re: Debt Sold

F & F's are difficult things to manage leaving you clean and clear (other than a trashed credit file). Without the correct wordings being in place it can be fraught with the "sell on of the outstanding balances.

There are ways around this but you enter the minefield of the Common Law of Contract which is a whole different playing field to relatively simple Consumer Protection legislation.

I would probably on balance still do what we did ( for an on cost of £245 to legals) , however if you are serious about this then follow Niddy's pattern and model on the site as he has suggested. The law is basically on your side, right up to Court of Appeal but it is a minefield and not be tackled by us mere mortals on our own.

regards
G

[Never-In-Doubt]

Re: Debt Sold

The template we have covers any comeback referring to pinney/cole

[Mr BoomBaztic]

Re: Debt Sold

The alleged debt is for £6.010.09, some great advice from you all thanks, Had a really good experience with a full and final with MBNA, maybe if i do look at settling this i can put the letter up for you guys to look through before i commit to anything

Cheers

[Never-In-Doubt]

Re: Debt Sold

Use the template we have! It's fine and legally sound to stop any comeback

[Mr BoomBaztic]

Re: Debt Sold

I am going to use the template mentioned, i wont do it just yet, lets see what the send me next, As my debt has been sold Kapital cannot add any interest or charges can they?

cheers