Aktiv Kapital (UK) - Who Are They?

GeorgeUK

Rabbit - they sent you a letter. Doesn't that mean they have your address?:think:

rabbit80

GeorgeUK wrote: »

Rabbit - they sent you a letter. Doesn't that mean they have your address?:think:

Does it? The way I read it they want me to confirm that it is my address! If, for example I had moved then I would leave a forwarding address or arrange to collect any mail mistakenly sent to the wrong address!

GeorgeUK

AH - gotcha now.

I was taking it more from the posters point that they could send you a letter if they wanted to - didn't think it from their perspective that they may be testing the waters.

We usually advise people not to phone as they may start to get 30 calls a day from some of these companies. If you do start to get numerous calls and they won't leave you alone, there are some template letters on the board that you can send.

dolley_2

hi! my partner also recived this letter today:

Do we have the right address?

We are trying to contact Mr Rabbit80 regarding a personal matter and we have been provided with this address as a possible address.

What to do next?

• If you are the person named above please contact our office.
• If you are not the person named above or the person is no longer resident at this address. Please accept our apologies for contacting you.
• Should you have any information on where our customer may now live, we would welcome a call from you so that we may update our records.

Thank you for your help.

Yours Sincerely,

Aktiv Kapital (UK) Limited

He tried to call but didnt get through. After reading your responses here, i have told him not to try again, but to wait and see if they send further correspondance.

thanks guys x

rabbit80

I don't mind getting phone calls - they don't usually like me after a while since it is a complete waste of their money (I like to put them on hold for up to 10 mins and waste as much of their time as possible)

Unfortunately for them, I can't release personal information over the phone due to phising scams (this includes but is not limited to - Full name, date of birth, address etc...) especially since I have no proof that I owe them money or have ever heard of them until yesterday!

Edit: I am not advising anyone to do the same as me... Its probably better NOT to call them!

benson61_2

rog2 wrote: »

This is standard AK talk for 'Phone us so that we can scare the !!!!!! out of you and get you to admit to a 'debt' that is probably non-existant or, at best, unenforceable, and reach for your debit card before you've had time to seek advice'.

Do NOT phone them. If what they wish to 'talk to you about' is so important, they can put it in a letter.

Many thanks for that rog since reading some of the threads i have also written to the debt collection company i already pay (TBI) and asked them for a copy of the original CCA, using one of the template letters as i have in the past asked for a statement of account only to be told they have no legal requirement to send me one. I have sent the letter by registered mail and will wait to see if they reply within the 12 days if not i will send the second letter informing them of their legal requirements (i will also cancel the standing order i have with them) because after what i have read about them they also seem to be chancers who prey on peoples lack of knowledge in these matters. again many thanks will keep you informed of any developments

GeorgeUK

Benson, when they said they have no legal requirement to provide a copy of the CCA, did they actually put this in writing? If so, that will be good ammunition to take to trading standards if they don't come up with anything (I take it you sent the £1 fee?).

benson61_2

GeorgeUK wrote: »

Benson, when they said they have no legal requirement to provide a copy of the CCA, did they actually put this in writing? If so, that will be good ammunition to take to trading standards if they don't come up with anything (I take it you sent the £1 fee?).

It was a statement of account i asked for not the CCA and also it was a phone call, yes i sent the £1 fee i also sent letter by email so will be interesting to see if i get a reply they have the 12+2 days in which to do so, but for some reason i dont think they will reply(hopefully not) then they can have a taste of their own medicine:mad::beer:

benson61_2

GeorgeUK wrote: »

Benson, when they said they have no legal requirement to provide a copy of the CCA, did they actually put this in writing? If so, that will be good ammunition to take to trading standards if they don't come up with anything (I take it you sent the £1 fee?).

Hi George
I have already replied to your question above but have remembered they actually last sent me a statement of account on the 15th of january 2007 for the previous 12months (no statement before and non since) but i am a bit puzzled by it as this debt as always been paid by standing order yet it shows that one of the payments recieved was for cash?. Are they legally required to send a statement every 12mths or not.

rog2

benson61 wrote: »

i have also written to the debt collection company i already pay (TBI) and asked them for a copy of the original CCA, using one of the template letters as i have in the past asked for a statement of account only to be told they have no legal requirement to send me one. I have sent the letter by registered mail and will wait to see if they reply within the 12 days if not i will send the second letter informing them of their legal requirements

The Consumer Credit Act, 1974, is quite specific in that it places a 'Legal Obligation' to provide a true and compliant copy of the original executed cca on the person who is pursuing you for payment "whether they are the original lender or not".

If they do not reply within the legally prescribed 12 working days, then send them the 12+2 day letter, as you say.

If, after this time, ANY other dca attempts to 'collect' this 'debt', then send that dca a copy of the 'FORMAL NOTICE - ACCOUNT IN DISPUTE' letter from post 7 of http://forums.moneysavingexpert.com/showthread.html?t=063087