Thanks guys you have been a great help ,i dont think they have much to worry about the debts are fairly small. I will pass on your imfo. cheers

hi quisling the debts are souly in the persons name no other person on them and i dont think there is enough money in the estate to cover them but could a dca just come in and take wot he wants even if it does not cover the debt.you see the person in question had her son living with her who is 20 they were in council flat he could be left with no memories of her.?Going to post on other foram to see if council would be able to just kick him out without finding him place to live if he has no place else to go.

hi dave yes i thought along the same lines but wanted to see what came back.the person in question feels sure she has read it in a magazine that she can be chaced for the debt and the answer back in the magazine was from the consumer action group whether it was this one or not i dont know.

hi guys Some one has asked me to post this thread because she might have this problem soon but first can i just say to anyone who has been following my other thread {30 days} not heard back from aktiv as yet but will keep you posted. Ok two questions a] if you are the the executor to a will whether family member or friend of the family who is just good a sorting things out can a persons debts become your debts and would a dca be legaly able to chaise you for the debt. b]if no will was drawen up and no executor appointed would the debt be transferd to the next of kin.Bearing in mind there is no money in the estate to pay this debt.

No News Yet But Will Keep You Posted:d

thanks lookinforinfo solid advice as ever:)

hi guys thanks for the reply,yes it has got two signatures on it but cannot make out a lot of the small print it is very bad but there isnt alot of it.as for terms and conditions they must have been on the other side or on seperate page?.i do have a spread sheet format of payments made from arriginal request with a balance which is the same amount as aktive are asking for £1,052.30 but there is no signiture on it. when i made arriginal request in november by phone i asked for proof that this debt was mine i said i wanted proof whot payments had been made and whot they were for also proof of a credit aggreemant.they did not ask for a £1 cheque to cover the cost and i didnt now about it at the time so all that was sent me was that spread sheet with a headed letter saying[ we refer to the comunication in respect of the above account and enclose herewith copy of statements as requested] and a demand for payment , so i can only guess they may deny i made a formal request in november at all.....

Yes Should Have Thort Of That. Take A Look At My Other Thread[30 Days] And Give Me Your Thoughts Cheers

Hi Guys Moved Into House About 3 Years Ago On Card Meter With Southern Electric But Get No Rebait Every Quarter Lots Of My Friends Are On Card Meter On Other Elec Companys And They Do.souther Elec Is Cheep Comperd So Is This Why? Or Can I Claim This Back Some Way.....any Info Would Be Great Guys:d

Dous A Debt Recovery Agent Need To Send You The Arriginal Credit Aggreemant Or Will A Photocopy Do...?

hi guys just a update for any advice,sent aktive short letter as suggested asking them to confirm they want my identification and that they have been proccesing my data wialst uncertain of who i am and that they comply to my arriginal request within seven days.Well got letter back yesterday with a PHOTOCOPY of arriginal docs which looks like it has been taken from a fax it is very poor and you can only just make out the writing...does the cca say i have to be in possesion of the arriginal docs or will a photocopy do....a bad one at that? and of course they made no mention about my identity of which they wanted befor and did not confirm they have been processing my data of which they have...so they do not truely know who i am which is a offence under the Data Protection Act? it has been over two months from my arriginal request by phone and 38 days from my request by letter and all i have had back is a print out of payments made from my request by phone in november and a photocopy of the docs from request by letter.....surely by now they have defaulted... i have given them enough time to dig themselfs a hole....any thoughts guys on my next action

cheers mate will send them a brief reply as sugested will keep you posted:D

hi guys the arriginal docs had my old address on so yes they have been proccesing data without truely nowing who i am, but if i stall in sending id off would that not give them more time to get my docs if they are bluffing:confused:

yes cheers gunna right back with this got most of it from another thread tell me if it sounds ok i refer to my letter dated ...... in which i made a formal request under the consumer credit act also my initial conversation i had with youselfs in august 2006 for the true copy of the regulated aggrement referred to in the above account . To date you have failed to comply with my statutory right also you have failed to ascetain my true identity befor proccesing any dated or writing to me demanding payment therfor you have defaulted in this account and under the cca YOU have commited a offence punishable by conviction of fine of upto £5000 or a three months inprisonment.Additionaly the alleged agreement is uninforcable until such time the default is removed or enforced by a court or law.It is further a offence to atempt to enforce the elleged aggreement until such time the default is removed .I have also reported this matter to the office of fair trading and northamton county court informing them of a breach of data protection act and to stop proccesing any further information and to mark the debt as in dispute. ANY FEED BACK GUYS...THERE IS NO CCJ MARKED ON CRED REPORT NEXT THIS, IS IT WORTH INFORMING NORTHHAMTOM COUNTY COURT

but they have already defaulted from the request i made in november all they sent me was print out of payments made from my account and they didnt ask for any proof then? could i send photo copy of passport.or should i send them any thing at all just go to letter saying THEY HAVE DEFAULTED