Hiya, I have had a right good run in with AK and GE Money regarding defaults and CCJ's. Finally got rid of all defaults and judgements and settled "out of court" (having cost them a small fortune in legal fees as their solicitors were £450 per hour and £600 per hour respectively...) but was invited onto this thread by Elsinore. I have been reading it with interest. As my debt is fully paid to AK, if it transoires that they are not the legal owners, can I sue them for my money back..? I'll give it a go. Really I will... Best regards Kyu

The bundle of joy that was imminent is now 1 years old. Jeez where did that go???? So I'm in!!! I will dig out the recording of Consumer Direct which made me smile. Kyu

Oooh, Consumer Direct... My favourite Champion of the People! I have a recording somewhere at home of them telling me to put my nefariously acquired CCJ and defaults "down to experience". The gits. I'm not sure what I can do with them other than copy out a transcript... time, time and even less time but I'll give it a go. No promises mind as we have a second little bundle of joy due to arrive anytime now. So the wife keeps reminding me...

doh!

Have just spoken to the nice lady at Keighley Court who has suggested that I apply for a 'Third Party Debt Order.' For those of us who didn't know what a TPDO was (this included me until half an hour ago) it means that I can apply to have their bank accounts frozen until they pay me... This sounds far too good to pass up! Little old Kyu stops GE Money getting to their bank account. MHA HA HA HA HA! MHA HA HAW HAW HAW HAW - deranged laughter ad nauseum.

Okay, still no settlement cheque from those weasly gits at GE Money. Can anybody give me a clue as to what my options are? I hadn't really thought about the fact that GE Money would be slimeballs enough to actually ignore the courts! Just how arrogant are these to$S3r5!!!

Or so I thought... The three weeks was up on the 26th August for them to send the settlement through and, surprise, surprise, no settlement... I shall write a letter to the judge and COPY GE Money in and their lawyers. * sigh *

Had a telphone call from their solicitors with a last minute out of court settlement (1pm the Friday before the Monday court case). Finally all finished then. :o( What will I do now? I know! I'll thank all you guys for a start. Your help and advice over the last few months has been inspirational. Many, many, many thanks! As for everybody else who is having problems then battle on! It really is worth it in the end... Aktiv Kapital - Removal of default, CCJ and settled out of court. FNTF (GE Money) - Removal of default and settled out of court. So, as they say at the end of old films... ~ FIN ~

Just thought I'd let you know what was happening with the FNTF part of my crusade as this is the final chapter so to speak of this (very nearly award winning) saga. I now have a hearing date of 30th July 2007 at 14:00 for FNTF (GE Money) I will be interested to see what happens from this point. I have posted all the copies of the documents that are to be relied on in court so I think I just need to sit back and wait until I hear from their solicitors... Will obviously keep you all posted as to the outcome. I'll have to find a new hobby at the end of July when this is all done with!

Yep, it's my own fault. I had assumed that with the capitulation of AK (and my case was no where near as strong against them as it is against FNTF) that FNTF would see sense and follow suit. Just goes to show that the old addage of "Never assume as it makes an Ass of U and Me" correct. Still, no real harm done. Kyu

Well blow me! I still haven't received letter from FNTF so I rang them up about it... The story goes that I faxed them a copy of the letter from the ICO and discussed it with somebody. The letter, for those that don't know, said that FNTF were most definitely in the wrong and that I should consider suing the under section 73 of the DPA. The nice lady then told me that there would be no need to sue them and that this would all be sorted out within a couple of weeks. This was four weeks ago... Hence expecting this letter. So I rang them up about it and told them that I hadn't received this letter. The bunch of * Expletives removed * have only used this four weeks to write a snivelling letter to the ICO to tell them that it wasn't really their fault and that as far as they were concerned I can go and whistle! The * Expletives removed again from this post as they took up far too much room, but made me feel better! * This time I'll sue them and include the letter from the ICO as evidence and there will be NO out of court settlement for this load of * You get the idea * One very PO'd Kyu...

Okay folks. I am now having to bow out of the Aktiv Kapital part of the debate on this forum. We have come to an amicable settlement but I have now signed the 'consent order' of which a part of the agreement is that I am not allowed to divulge any terms of the settlement. Good luck to all you guys who are still battling though and I will gladly assist in your struggles if I possibly can. As an aside, there is a letter waiting for me at home from FNTF which the wife shall be ringing me about in the next half an hour or so to tell me what it says (our post arrives long after I've left for work... ) so I'll post that as well in due course. That should then bring this little thread to a rather neat, if slightly long winded, conclusion! Special thanks to Alanfromderby, Seminole and Elsinore and all you other chaps that have chippd in along the way Kyu PS How do I make a donation to this site..?

They have asked me to fax the courts to tell them that we have agreed a settlement and they will fax the settlement over to me in the next few minutes. That was nearly three hours ago and precisely zero faxes have been sent. I wonder if this was just to have me cancel the court hearing and then deny all knowledge of a settlement being mentioned over the phone... Anyway, I haven't signed the gag order yet as I haven't received it so we'll just have to wait and see won't we...

I'm sorry to hear that you now have a legal bill to pay as well as the original account but they seem to want to settle with mine. What was your legal bill for? How much were you claiming for? I have gone for the small claims route which negates me paying for their legal representation. The guy that I am dealing with seems to be really helpful and talks a lot of sense, although, should they wish to settle then they are insisting on a gag order so I shall not be posting with regard to this shortly. Kyu

Hello Pantherboy, I am currently in the process of suing AK for their gross breach of the DPA and the DPP's. I shall certainly keep you posted as to how I get on. For your information though my thread is here: http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/18126-aktiv-kapital-again-9.html#post464843 I have directed you to the end of the thread as it was a long and painful process involving Trading Standards (who told me to "put it down to experience") the Credit Services Association (fobbed me off) the Financial Services Authority (who also fobbed me off) and the Financial Ombudsman (who, guess what, fobbed me off big time). The ICO was (and are still being) extremely helpful, though so it might be worth contacting them with regards to the CRA entries. Best of luck and stick with it! Kyu