Aktiv Kapital - out of the blue who are they?!

momo1975

Hi all,

i have today received a letter from the saying i owe them around £1k for a debt to GE Capital for an agreement that i took out in 2000!

What?! i have no idea who they are what this is for and why they think that 9 years after this date they seem to claim i owe them money.

No after watching that tv programme on debt collectors it advised never to vlal them as thats admitting you owe them?

what do i do? i guess they cant do diddly squat?

MrsTinks

If the last time you paid the debt or acknowledged the debt in writing was over 6 years ago (or 5 in scotland) then the debt is statute barred. Either ignore them or send them a prove it letter and if they can prove it send them the statute barred letter (I like wasting DCAs time )
If it's not your debt feel free to ignore them btw Just make sure they don't try to put a marker on your credit file... they can be sneaky toads!

Kimitatsu

Aktiv Kapital tend to buy debts that are out of time - usually they are statute barred and see if they can get anything out of them.

Did you default on any payments? That may be what they are chasing but as I said the likelihood is they are barred. Personally I wouldnt bother replying!

RAS

yep

they rely on you not knowing the law.

Send that the SB letter from here http://forums.moneysavingexpert.com/showthread.html?t=963087

momo1975

i thought this was the case they are little monkeys (cant say the other word on here!)


I'll just ignore them i think i cant be bothered even writing to them and wasting the price of ink, paper and a stamp on them.

RAS wrote: »

yep

they rely on you not knowing the law.

Send that the SB letter from here http://forums.moneysavingexpert.com/showthread.html?t=963087

RAS

momo

The OFT Guidlines state that they have to stop ppursuing the debt once they have been advised in writing that the debt is in dispute because it si statute barred. You may be lucky and they will go away, if not send that letter.

Then you can report them if they carry on.

fatbelly

AK are well known for their scattergun approach - buy a load of dodgy debts at next to nothing. Then pursue anyone and everyone who has a name vaguely resembling the debtor.

This may not even be the op's debt!

Momo would be doing everyone a favour by reporting them but I can understand the 'ignore them and they'll go away' approach too.

By the way, if you claim the debt is statute barred they will say you made a payment in 2004.

momo1975

thanks to everyone for your help, i will just ignore and see what happens they are cheeky ******** i havnt a clue who GE capital are - is it a store card?

fatbelly

momo1975 wrote: »

i havnt a clue who GE capital are - is it a store card?

usually, yes

DarkConvict

If they give you any hassle read this, - http://forums.moneysavingexpert.com/showthread.html?t=1933033&highlight=aktiv

They are under investigation for there business practices, so hopefully will go away if you mention about this in a letter you send them. But hopefully the statute barred letter should be sufficient.

gilligansyle

As said by others, its up to you really. AK buy up old debts for cheap and try to see what they can get back. If the original debt was for £1000 in 2000 then the chances are it has been sold on a few times since then and bought for a tiny fraction so they consider any money to be a win. I can't believe they get any response from these letters, but it must be worth it to them somehow.
The debt may be for someone with a similar name, they just randomly send letters out sometimes. You can either send the 'prove it' letter, and then if they carry on, you can report them, or just ignore them.