Aktiv Kapital and old debt

purple666_2

letter recieved at previous address ( dads )

It says :

Dear Mrs

---

,

We are trying to contact Mrs ....... ........ with regards to a private matter. We have confirmed your address through a credit link obtained via a credit reference agency as being the same person who previously lived at the address above.

We act on behalf of Aktiv Kapital UK Limited who have instructed us to contact you.

Please contact us on tel: ...... quoting the above reference number and one of our operators will be available to take any relevant details to resolve the matter.

If you believe that you are not our customer, and have no connection with the above referenced client, please contact us as soon as possible on tel....... to enable us to amend our records and remove your address from our file system.


hello im new to this and im not sure how to post my own comment so any help much appreciated ! ive also just recieved the exact same letter at my dads address not my home , as far as i know its an old debt that im sure i owe from a previous address but i have not lived at the address since 2003 ive read up on the 'statute barred' and it says about the debt going to court ? im not sure if they have taken out a ccj or not ? does this mean its not statute barred ? im slightly confused . any help would be great
thanks

fermi

Do you mean their letters say about going to court?

Or do you mean the info you have read on statute barred debts does.

If this is just a "fishing" letter, then I would perhaps leave it for now and wait to see if they write again. If they write again with proper details, and there is a CCJ, then they would mention it in any such letter.

purple666_2

no the letter mentions nothing at all about amount owed or who the creditor is its just addressed to me and has my previous address at the top i have not contacted them tbh i really dont want to i think its statute barred but the stuff ive read about statue barred says something about 3 conditions
1.That the creditor has not taken court action against you, eg CCJ, AND
2.You have not made any payments on the debt over the last 6 years, AND
During the years, you haven't written to the creditor acknowledging that owe them money.
this was my reason for confusion , iwas wondering if they have taken court action ( im not sure if they have ) does the statue barred still stand ? i know i have not heard from them about this matter in over 6 years and i have not acknowledged the debt at all also it is not my actual address.

fermi

If they had taken court action, then the debt couldn't be statute barred.

It is however very unlikely that they have, and Aktiv do not normally chase debts where it has.

That is why I said it may be best to not reply for kow and see if they write with more details. If they do write again and there is a CCJ, then they would almost certainly mention it.

fermi

wookie.

Moved your post to a separate thread.

---> https://forums.moneysavingexpert.com/discussion/3829517

give_them_FA

Yes just ignore them I have had communications from this utterly useless firm and they specialise in debts that are completely uncollectable- as yours is. Their only chance of getting anything out of you was if you had been unaware of the issue of statute barring. Now, after maybe three letters, they will either assume they are writing to a duff address; or will realise you aren't going to fall for it, either way will cut their losses and slink off, don't waste any of your precious time on this Earth talking to this filth.