Well I was expecting a windfall payment from various places but now seems like an error from bank how I'm going to pay back I do not know

Can someone help me I thought I had a genuine credit in my bank account Santander and now my account is minus £2000 I called and asked why the transfer had been reversed and was told nothing the bank can do and I will get charges on the negative amount! I asked who authorised the reversal and the advisor said we did not and why would we have notes on this try googling the company! I am now frantic as I am now thinking maybe it's a bank error and Santander are not interested mind u I am terrified that is going to mean I'm going to get nasty calls and charges and have had to move my Dla payments for my medical condition and ms disability to another account! What can I do I am now really worried

I have some at home last time they made me sick I shall maybe try again

What's the best way to stop seems i tried it all an can't afford to pay for this addiction no more

I know it's unrelated but can someone tell me how to post for cda issue my ex has lodged an objection to a liability order for the £12500 he owes his 3 kids he used every delay imaginable! The nice sheriff has given him an open ended time for him to log his objections and he's filing for legal aid! I have 3 of his 6 kids and he pays for none and is it right where he has an income and assets he can get legal aid? Will the sheriff take his side and block the order or am I just panicing my ec has a criminal record and legal, criminal and fraud enforcement are involved and ice and he forgot to mention he lives with his wife and actually works and has rental income too! How can he pull the wool over a sheriffs eyes too!!!

Meant ask have you added it to Personal Belongings specified cover also - may be worth asking

Hi there, Have you had it valued as if it comes time that you need to claim you need to ensure that you can prove that you have specified it at its true worth. Make sure you have a pre loss valuation certificate as you will need this if you ever need to claim and want to be able to replace it on a true like for like basis. So keep your valuation up to date and the AA quote seems good but ensure as previously mentioned it is fully covered for all possible mis haps and read the policy cover when you get it. Worst thing is if you cant prove it was worth the amount you specified it for in the event of a claim and you wont be happy if you end up with a reduced or no claim

Hi there, Been reading this forum and itseems like if a customer complains they get what they want and the FOS always back sthe customer is this true? What if there is no proof of ownership and no substantiation and its not been reported as a loss to the police? Would the FOS over rule the Insurer just beacause of a complaint or would there be a pay out if you complain to the right people? Dazza is it NU or NUD you work for as it seems you are bending over backwards to help people but in reality where do you draw the line?

Hi Rory, You may be proud of me I also emailed the letter but added that I may pursue legal action on their staffs methods of harassment on a statute barred debt as I was just out of hospital after being diagnosed with MS and do not think is is right the level of harrasment received on a statute barred debt on someone who was not in a state of mind to deal with it. I also advised I think its discracefull practise towards the disabled and vulnerable. So I hope they go away! I can prove that I was just out of hospital after a 9 day stay when they called me and I did advise I was only just out of hospital and too unwell to deal with it - not that they listened Surelythey have broke an addittional few laws there?

Hi there, So far although the guy at Aktiv Kapital stated theyhave a right to telephone they have amazingly stopped phoning!! I sent off the letters and got a letter stating We note you have failed to keep to the agreed installments. Unless the due payments and arrears are received by return we will have no alternative but to continue through the Courts without further notice. Payment terms are concessions made by Aktiv Kapital as an alternative to pursuing through the courts for payment of the balance in full, we suggest that you keep to the payment terms that have been agreed. I now have my reference and the balance a mass £172.08 I know for sure that I did not start paying themtheir instalments until it was a couple of months short of 6 years as it was registered as a default and has since long gone!!! There is no way that they can take me to court or even try it with a statute barred debt. It was statute barred before I paid them anything!! Any idea what they will now do on a statute barred debt of £172.08 owed to a company that went into liquidation long ago. Will they just keep threatening legal action or will they be stupid enough to think that by paying them it is not statute barred?

This is for Rory, I have decided to take your advice and give it a try the nuggets at the call sentre advised as I made payment it snot statute barred but I read and re read the letter you sent me and advised on the bottom that it was statute barred before they got a payment as the debt was 5years old with no payments by the time they took it on!! I am sending the letter and the telephone harassment letter by recorded delivery tomorrow I am determined even though the debt was £700 + and is now only £100 Its £100 better off in my pocket especially with 4 kids and working too hard at a loss adjusters for not enough pay!!! I take it they now need to prove with evidence that the debt was less than 5 years old when I started paying to enforce the debt?

Iamgetting the same from Aktiv Kapital who state as long as I owe them money they can call me 4 times a day every day 7 days a week and I have no rights torequest them to put their demands in writing and they can call as I owe them

Well the harassment has begun. Chris at Active Kapital just told me that as I paid the debt by direct debit last month to them that I am no longer entitled to Statute of Limitation and that they are entitled to call me 4 times a day 7 days a week as I owe them £100 they do not need to accept my request to have correspondance as they are a telephone based debt collection company. The debt I was paying off is well over 6 years old and no longer on my credit file. He advised as I acknowledged the debt all be it after 5 years by paying them one single payment is acknowledging the debt so baically tough luck!! Can you please re assure me my best course of action

Thankyou so much for that you have just saved me £30 a month, but Aktiv Kapital do have a habit of harassing so I will be expecting wuite alot of phone calls. That explains why they turned on major pressure and offered discounts just before it was about to disappear off my Experian file

Call centres in India and 3G making me pay a mobile phone contract when they know I was bullied into taking it and will not even give me a hanset or repair mine without me shelling out more money even though they know I cannot use it and they won't let me give them more then 30 days notice of cancellation or they want more money and next month when I can cancel they need 30 days notice and a fee!!! The Indian call centre staff are not trained in customer care and I will NEVER use 3G again

Hey if the loss adjuster has lied and you can prove this then complain thats all I can say as its not right!!!

What? Do they not deal with the claim on behalf of the insurance company and if warranted settle the claim within the limits and terms of the policy cover and conditions? If there is no cover they cannot settle it, If there is a policy breaxh they also cannot settle it?

Thats great to know as I have a mass of linked addresses that are well over 6 years old I think I will contact experian to get this rectified. Its not that but Insurance Companies look at this if you make a claim and run searches on them also

Hey there, I am in the same boat and finally in May this year the last of my defaults will be gone!!! I have no idea what the date and the amount was originally and I was never sent a default notice but have just had to sit it out. Some companies have gave me credit as the default is satisfied eg I paid it but others won't give me anything its really up to individual lenders underwriting criteria at the time, could be that wee green zombies with 2 other accounts with rival companies and live in land zog are the only ones getting accepted at that time!!! Bit extreme I know but that is in reality quite close to some ridiculous underwriting criteria gets and with the threatened credit crunch, might actually be an option!!!

Hi there, Yeah, it does 6 years from either settlement or 6 years from the date of default and off they go as if by magic and your credit file looks a whole lot rosier. Just watch you don't have too much credit or too many applications or searches as these can pull down your score also, but in reality it depends on individual companies lending and underwriting criteria but no defaults or CCJ's will help alot!

So if I just don't pay the £30 a month to Aktiv Kapital; that I have been shelling out each month for a debt that they bought from Scottish Power, NOT the utility company, in 1999. That is over 6 years from the date of default then they cannot take me to court or register anything against me, amd I grasping this right as I have been paying £30 a month for 2 years!! If this is bono fido I will be immediatley cancelling my Direct Debit!!

Hi there, I see there is a mass of usefull info on Active Capital on here, but I really need help. When I was ill they bombarded me into paying an installment plan for a debt that was over 5 years old that I had owed Scottish Power. Stupidly I am still paying £30 a month. It is well off my credit reports and way over 6 years old the question is If I now stop paying the £30 a month and cancell the direct debit can they register a CCJ or default on my credit file. The debt is well over 6 years old and if I had known the info on this site when they were harassing me when I was just out of hospital I would never have paid a penny!!