Aktiv Kapital

rjwc22

I have had contact from Aktiv claiming that I owe about £1700 from a credit arrangement dating back to 2000. It was an 9 month interest free deal that I missed the payment on and fell into the fixed repayments over 36 months with a total payment of about £2400. I forgot about the money coming out of my back until 2003 when I realised this should be ending and tried to contact Tiny but they had gone bust by then. I spoke to my bank who advised that the DD would continue until cancelled by one or other party and as Tiny were bust they would not be cancelling.

I cancelled it and then forgot about it until last October when I got the first call from Thames Capital saying that I still owe £1700 on this. I told them that this was wrong that I had paid it off and they said fine and left it at that. AK have now been in touch to say this is still owed. I cannot see how this can be right, especially given the amount they are claiming as I did make at least £2000 in repayments and they say this amount is the amount left outstanding, not any interest.

I have searched my Experian credit file and there is nothing on there, apart from logs showing that Aktiv have been checking me out. As such my questions are:

- Does the statute date start from the date the finance was taken out of the last contact (Does a ongoing DD constitute contact?)

- Can I send the letter asking for details without acknoweldging the debt?

- Would there be evidence on my Credit file of this debt if it still existed, given that all my correct addresses etc are on there?

Thank you for any help on this!

Rob

fatbelly

Hi

Fermi has a 'prove it' letter on this thread.

You may also wish to commence your letter with the phrase

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

The statute date runs from when the debt was last acknowledged, either by a payment (DD counts) or a written (not telephone) acknowledgement.

Your Experian file does not prove or disprove the existence of a debt.