Yeah, I went through the ministry, big help that was. STILL waiting to hear back, and that was years ago.

And yes, I am VERY much aware of what it's called. I'm not stupid, although YOU seem to think I am. And yes, I HAVE demanded it, several time, and still nothing.

And for the record, they can threaten anything they want, whether or not they can actually do it or not. I've heard most of them. I've had threats to have officers of the court show up at my place of work to serve me papers, threats of having the police come to my place of work and charge me with 'fraud', because I could not come up with the full dollar amount in the 'lengthy' two day period they demanded. Still waiting on that to happen.

See? Threatened to do what they cannot do, because it might intimidate me into doing what I cannot do.

Nice to know that on your planet things always work out exactly as they are supposed to. Here on earth, they don't, no matter how many times you demand it and how many times you contact the various outlets that are supposed to be there for you.

(oh, and dearest? I already knew all of your pretty little suggestions.)

And for the record, your entire attitude reeks of the belief that we're here trying to get out of paying what we owe. Your entire, smug, superior little attitude.

"As fas as Aktiv are concerned they are not in business to help people pay off their debts ,they are in business to make money."

Never said they were not in the business of making money. Of course they are. We all are! But that doesn't make them any less of a person because they don't believe everyone they talk to who says "the account was settled/paid/not mine/etc"

"They are a company that buys stat barred debts and try to sucker victims into paying them knowing they have no legal way to pursue it into court."

Sure they purchase some stat barred accounts, there are always some in every 'batch' of debts they buy. However, the majority of them are not stat barred and are suable. I think I've dealt with one or two that were dismissed due to actually being stat barred, and I'd say about 20 that were still suable.

'...lot of people in debt problems also have health problems and cant do that, some can't get jobs at all and are on disability and that is not an option"

There is always an option. If you don't like your situation in life, fix it. You're the only person that has control over it. Now.. with that said.. I do not mean that everyone on disability or who have health problems are able to work. But I've spoken to a person in the legal department awhile ago at Aktiv who assures me that if you're able to show that you can't actually pay your debt, and you have no assets, they will more than likely close the account because it's a waste of time. And when you took the loan you should have got the insurance and made sure you UNDERSTOOD the insurance terms. There is also the option of bankruptcy, credit counseling, or consumer proposals.

"Second, kwalala, says he/she is in the legal field. How can one be in the legal field when they have bad credit? Lie 1."

I never said I had bad credit. I said I pay my debts. Therefore, I have good credit. But nice try.

"I honestly think this is one collection agent thats working on commission and not doing very well obviously. "

I actually do work to make money, but in the legal field. I am not the type of person that can call people up to collect. I actually care too much and am a sucker for a sad story. So I wouldn't make a good collector. Again, nice try.

"the creditors should have thought hard before extending credit to people, yes."

HAHAHAHA.. yes.. because you can tell by a person's appearance that they are 'good for it!" Or that they're not going to pay and you can sell the account and make pennies on the dollar! Please. Be realistic. The debtor should have thought hard before rejecting the insurance that was offered. And they should have read and understood all terms of the insurance policy. It's offered so you are protected.

Vamp... did you bother going through the ministry? Or did you just complain? Big difference. And they cannot threaten anything unless they actually are going to go through with it. I also never said that ALL of those on here are trying to get out of debt.. re read my last post again. sheesh. Sorry to hear you were harassed.. however.. you're the one sitting there saying that you should not 'paint everyone with the same brush' Guess what you're all doing? You've all grouped every single collector in the world and covered them all red. Turn about is fair play.

"I've yet to receive anything like that despite demands. What miraculous world are you living in?"

It's called settlement letter outlining that once you provide confirmation that the account is paid in full as per the agreement, you get a release letter. I've had no issues with obtaining those from Aktiv. They lay out the terms and dates payment is to be made. I've even received one with the terms that they would have my client`s credit report updated to reflect the account in collections has been paid/settled. You are the one responsible to ensure you get one and I wouldn't advise any of my clients to pay until I've received that settlement letter in my hands. I also keep all paper work as evidence they paid as per the arrangement. Just in case someone tried to claim it was not paid as per agreed.

ahh Raymond.. you know. For some reason you're the one that I laugh at the most. So full of useful and some not so useful knowledge. I feel sorry for those that follow you blindly. You are a wealth of information, however it's not 100% accurate. But in any case.. you've got me mixed up with someone else. I have no idea what this vancouver site is nor have I ever been on it.

My 2 children have never ate dog food nor have they ever had watered down kool-aid (I dont' give my kids sugar water, it's real juice or none). But yes.. I did tough it out and still do on a daily basis. I just prioritize. But thank you for your concern. I have no idea who this Deanna Natale is, nor do I care. However, Eric is a good looking man. Yet, my fireplace is reserved for pictures of my family as I live in reality.

`We can only hope you don't send the court documents deliberately to the wrong address and lie on the affidavit of service documents to sneek through default judgments like your counterparts.``

The clients I have dealt with have all been served accordingly at their actual home address by Aktiv. Not sure what you`re talking about. From what I can tell, maybe those served at the incorrect address were listening to your previous post somewhere on this site to provide them an incorrect address. Maybe that`s what happened that some are being served court documents `to the wrong address` Did you think of that? No of course not. Because people who do not want to pay their bills would never give an incorrect address!

It all comes down to those out there that are angry that they actually have to do something regarding their debts. Some are responsible, some are playing games.

Nikita Krushchev: (Chairman, Soviet Union, [banging his shoe on UN desk]): "We will bury you." United Nations General Assembky, NY, NY (Oct. 11, 1960)

Eric Oyno: (CEO, Aktiv Kapital, [licking his chops]): "We will dig you up after they bury you and serve your carcass at our business lunch." (i) Oslo, Norway (May 20, 2008)

(i) http://aktivkapital.gazette.no/Documents/pdf_corp/Introduction_2.pdf

Author's Comment: Under Communism, unlike collection agencynomics, at least, they let you stay buried.

Ray