Aktiv Kapital & Time Retail Finance store card - Can i send a CCA

[KeefG]

Along with my other thread, i've also got Aktiv Kapital chasing me for a debt to Time Retail Finance for a store card.

 

I've paid monies to Aktiv in the past with regards to this debt and acknowledge that it is mine, but in my present circumstances i'm struggling to pay the debt.

 

I've recieved a letter this morning threatening legal action or enforcement from them unless i respond within 14 days, but i'd really rather they didnt go down this route.

 

I've also tried resoning with them on the phone but the people at this firm are quite possibly the most ignorant set of to****s i've ever had the misfortune of speaking to.....so i'd rather not go down this route either!

 

The debt itself is approx 7-8 years old now, so i'm wondering if i could send a CCA and get rid of the enforcement possibility and then make them an offer on the account that i think i can afford.

 

Also, can i request a statement off them of all monies paid by me? And do i ask for that at the same time or wait for their response from the CCA?

 

Thanks in advance folks

[Noise1982]

If u make a reasonable offer and provide information supporting why you can afford that amount then the company have to accept your offer

[KeefG]

I'll give that a try first then eh?

 

Cheers

[karens25]

hi keef

wouldnt hurt to do both.. there may well be ulawful charges on the account, which you can challenge..

good luck

karen

[gizmo111]

Along with my other thread, i've also got Aktiv Kapital chasing me for a debt to Time Retail Finance for a store card.

 

I've paid monies to Aktiv in the past with regards to this debt and acknowledge that it is mine, but in my present circumstances i'm struggling to pay the debt.

 

I've recieved a letter this morning threatening legal action or enforcement from them unless i respond within 14 days, but i'd really rather they didnt go down this route.

 

I've also tried resoning with them on the phone but the people at this firm are quite possibly the most ignorant set of to****s i've ever had the misfortune of speaking to.....so i'd rather not go down this route either!

 

The debt itself is approx 7-8 years old now, so i'm wondering if i could send a CCA and get rid of the enforcement possibility and then make them an offer on the account that i think i can afford.

 

Also, can i request a statement off them of all monies paid by me? And do i ask for that at the same time or wait for their response from the CCA?

 

Thanks in advance folks

 

I would send them CCA - is this the 7/8 year old one the one that you have been paying?

[KeefG]

It is yes.

[andabar79]

what was the outcome here guys?