letter from Aktiv Kapital
Comments
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Joined the forum specifically topost a big thank you :T for the advice I found on here I recieved a letter from them asking me for £3800 for a debt with Halifax it was certainly not me. I used the template letters on here and yesterday recieved aletter from them confirming they would not be pursuing the debt.0
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I suppose the last thing they would want then is that the real debtor pays it off. The debts that lay the Golden Eggs eh?... Incidentally, are you absolutely sure the debt is yours? Aktiv are also well known for trying to get people to pay debts which aren't even theirs...Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
:rotfl: Indeed, yes - as far as they would be concerned, the only thing better than someone paying back an unenforceable debt would be more than one person paying back the same unenforceable debt! Although considering some of tactics of these companies, I don't see why such a minor inconvenience as the original debtor having paid up should prove an insurmountable challenge...;)DVardysShadow wrote: »I suppose the last thing they would want then is that the real debtor pays it off. The debts that lay the Golden Eggs eh?Never underestimate the power of the techno-geek...
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i worked at Aktiv Kapital for 8 years, i was 'fired' not long ago due to not being a yes man.
i was the kind of person that had ideas!!!!!!!!!
i can tell you the in's and out's of how credit works.
defaults... 6 years from the default date.. no one can do anything thing to collect on the debt. if you get calls or letters, tell them you will report them to Ofcom or the OFT. trust me they will stop.
discounts.... are you being offered a discount?. stop and ask yourself, why are they giving so much of. they can go up to 90% off if they wish. this is because the debt is so old. there hoping you dont have a clue about state barred that they can rip you off.
auto trace letters.... are you getting letters saying you owe money. what we do is send letters to 'everyone' with the same name and date of birth as you. we hope you ring up and pay. however this puts a bad mark on your credit. SORT IT, tell them you with contact the OFT NOW..... NOW..... NOW. or they will just leave it and keep sending more letters to you.
phone calls.... are you being called at work? tel them to stop.... they HAVE to. if they dont. contact OFCOM. these guys can take there trading lic away from them.. dont sit back and do nothing. DO IT.
offer a payment?.... if you are willing to pay (dont ask me why lol) they what ever offer you gave, they HAVE TO take it. if they push you into more. DONT DO IT. we hate the CAB as they will tell you to pay £1 a month to all creditors. THEY HAVE TO TAKE THIS.
iv admitted to the debt?.... so what if you have said the debt is yours, if its stats barred there is nothing they can do about it. if they say the 6 years starts from when you admit it.... thats a LIE. its a loop hole we use to try and scare you into paying.
any more help, please let me know.
Pete 0 -
please read my post. your account is stat barred. there is nothing they can do and it WONT affect your credit, regardles what they say. i was a manager there for 8 years before we were taken over and i was fired for nothing. i can help you.... easyRubensblue wrote: »I recently received a letter from Aktiv Kapital regarding a debt with GE Capital for £380 of which I knew nothing about. After checking them out online and having established they are a genuine company I thought I better call them to straighten things out. (Wish I hadn't know having come across this forum!) Apparently this debt goes back to 2000 and they were able to confirm my address at the time. The original debt was probably a missed final instalment on a store card run by GE Capital, and was a very small amount, I can only guess it was a genuine oversight on my behalf. Anyway, to cut a long story short the man from AK said (without even being asked) that they'll give me a discount on both the original interest and the current one and if I pay £80 "by the end of the month" they will cancel the account. I thought that was a bit strange and contacted the National debt helpline who advised me that the debt is now statutory barred as it's over 6 years.
My only worry is that if I refuse to pay and send them the Limitation act letter they will default this debt. I know they can't by law, but I read on this forum they still do it. The last thing I want is for this to happen as I'm probably going to apply for a mortgage in the near future. I'm just thinking, for the sake of £80... However, even if I pay what's to stop them from coming back for more or contacting me for other dubious debts? I only wish I never called them in the first place, now they have my details, I feel such a fool...0 -
Please start a fresh new thread of your own. Go to the page with all the threads on http://forums.moneysavingexpert.com/forumdisplay.php?f=76 and use the new thread button. This will save people having to read through a load of stuff which is irrelevant to your problem.Hi,
Really need your Help.:( I had letter from Aktiv Kapital saying i owed them £9,798, and offering me to pay £1.987 in total. i ignored the letter, as i did not think i owed them the debt.. I then applied for a car loan, and was declined.. So i assumed it must be this that had stopped me.. so i paid the £1.987 on my credit card, as i was going into hospital for a major opp, (so was very stressed ).. when i came out of hospital, and had time on my hands i checked out this site (wish i had before i paid the money ). So then checked my credit report, and there is nothing on there from this company or for that amount. (dont know if the debt is mine, if it was it would have been from 1997 ?, so that would mean it was staute barred ? .. I am getting approx 12 calls per day and letters from them saying i still owe them over £10.000 grand, as i didnt pay the org £1.987 in time, which is not what they said on the phone, and the wedsite said account settled..
I want to know how to stop them phoning me, and can i claim the money back from them or my credit card ?
Any help you can offer please, as this is making me ill
Thank youHi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
DVardysShadow wrote: »Please start a fresh new thread of your own. Go to the page with all the threads on http://forums.moneysavingexpert.com/forumdisplay.php?f=76 and use the new thread button. This will save people having to read through a load of stuff which is irrelevant to your problem.
Moved to a new thread.
--> http://forums.moneysavingexpert.com/showthread.php?t=3527959Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
ex_manager wrote: »i worked at Aktiv Kapital for 8 years, i was 'fired' not long ago due to not being a yes man.
i was the kind of person that had ideas!!!!!!!!!
i can tell you the in's and out's of how credit works.
defaults... 6 years from the default date.. no one can do anything thing to collect on the debt. if you get calls or letters, tell them you will report them to Ofcom or the OFT. trust me they will stop.
discounts.... are you being offered a discount?. stop and ask yourself, why are they giving so much of. they can go up to 90% off if they wish. this is because the debt is so old. there hoping you dont have a clue about state barred that they can rip you off.
auto trace letters.... are you getting letters saying you owe money. what we do is send letters to 'everyone' with the same name and date of birth as you. we hope you ring up and pay. however this puts a bad mark on your credit. SORT IT, tell them you with contact the OFT NOW..... NOW..... NOW. or they will just leave it and keep sending more letters to you.
phone calls.... are you being called at work? tel them to stop.... they HAVE to. if they dont. contact OFCOM. these guys can take there trading lic away from them.. dont sit back and do nothing. DO IT.
offer a payment?.... if you are willing to pay (dont ask me why lol) they what ever offer you gave, they HAVE TO take it. if they push you into more. DONT DO IT. we hate the CAB as they will tell you to pay £1 a month to all creditors. THEY HAVE TO TAKE THIS.
iv admitted to the debt?.... so what if you have said the debt is yours, if its stats barred there is nothing they can do about it. if they say the 6 years starts from when you admit it.... thats a LIE. its a loop hole we use to try and scare you into paying.
any more help, please let me know. Pete
Have just read this and wondered if you could help me know where I'm a legally.
Had been paying £5 per month to a company since 2006 - I foolishly fell victim to after initial threatening letters back then and succumbed without even asking for evidence of the original debt (I was in a bad place) After a couple of rock bottm years 2002/3 I did have a couple of debts but thought they were resolved so when I started receiving threatening letters from Aktiv Kapital/call serve I just agreed to pay the small amount to get them off my backs. After paying them since 2006 and being slightly wiser I stopped the DD to find out who this company are and why I am still paying after 6 years. The threatening letters started up again and said I had defaulted on our agreement and unless I paid the £1269.00 in full they would send out a debt collector to my address. I replied in writing stating that I wanted and needed clarification of the original debt as although I have been paying for 6 years I have no idea what I'm paying for. They replied with a list of my £5 payments dating back to 2006 and that the original debt was for a comet account in 2003. They also said I need to send a£1 to get the original agreement. I replied with a £1 standing order asking for this agreement and that's where I'm at now. Could you advise where I stand with this company and as I was foolish and scared enough to start paying them back in 2006 does that mean even if this debt is not mine I'm still liable? I feel so stupid!0 -
Hotlipspamsy wrote: »Have just read this and wondered if you could help me know where I'm a legally.
Had been paying £5 per month to a company since 2006 - I foolishly fell victim to after initial threatening letters back then and succumbed without even asking for evidence of the original debt (I was in a bad place) After a couple of rock bottm years 2002/3 I did have a couple of debts but thought they were resolved so when I started receiving threatening letters from Aktiv Kapital/call serve I just agreed to pay the small amount to get them off my backs. After paying them since 2006 and being slightly wiser I stopped the DD to find out who this company are and why I am still paying after 6 years. The threatening letters started up again and said I had defaulted on our agreement and unless I paid the £1269.00 in full they would send out a debt collector to my address. I replied in writing stating that I wanted and needed clarification of the original debt as although I have been paying for 6 years I have no idea what I'm paying for. They replied with a list of my £5 payments dating back to 2006 and that the original debt was for a comet account in 2003. They also said I need to send a£1 to get the original agreement. I replied with a £1 standing order asking for this agreement and that's where I'm at now. Could you advise where I stand with this company and as I was foolish and scared enough to start paying them back in 2006 does that mean even if this debt is not mine I'm still liable? I feel so stupid!
Have you actually sent the letter at the end of this factsheet and made a request under the Consumer Credit Act?
Factsheet | Getting information about your credit agreement
If so, and they haven't sent you the original agreement, then any legal action can be 'stayed'. It is relatively easy for them to reconstitute an agreement but it would still potentially be unenforceable (under s127 of the Act) as it is a pre- April 2007 account.
There are other sites that specialise in this a bit more than mse and they are mentioned at the end of this article, which I think is well written.0
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