Aktiv Kapital (UK) - Who Are They?

Ayrshire_2

Hi Sarah,

Thanks for keeping us up to date and glad you didn't waste 2 hrs waiting in on these pond life. (note - apologies to all normal pond living creatures)

Oohhh don't think my dad has had that yet.... maybe tomorrow as he's usually a day or so behind you with these lovely letters.....I'm working in Glasgow tomorrow so i shall expect the 'panic call' around mid-morning when the postie has been :-)

I can only guess the courts are snowed under with work and the AK/Debt Mangers/'other associated companies' mob can't file the paperwork to haul our backsides to court for these debts. After all that's what they said..... maybe 2 or 3 letters previous. Or maybe they forgot....... might get another offer of 25% off the way things are going !!!

I'll let you know as soon as the telegram drops through the door ..... keep up the good fight and don't let them break you down. As you say they have no rights to enter your property etc..... i wouldn't even acknowledge them should they have the cheek to knock at the door.

Thanks again ... and good luck!

Craig

sparkleyGIRL

Hi

I have recieved 3 letters from Thames Credit Ltd acting on behalf of Aktiv Capital regarding an old debt that I honestly can not remember from a bank account.
I made the mistake of phoning them and they managed to trace my number so they are now phoning on a daily basis and leaving answer phone messages

The last letter I recieved threatened further action if I did not contact them within 7 days and I don't know what to do

Any help would be appreciated

Thanks sparkleyGIRL

squelch123

Hi there.

My suggestion to start with is to read all the posts ref Aktiv Kapital on this site - there is a lot on info here ref both Active Kapital and Thames Credit.
If this debt is yours, but it is old than 6 years, then I believe it is statute barred which means they cannot chase you for it even if you did owe it. Do not admit to the debt, ask them to prove you owe it with the original credit agreement or send the template letter on this site saying that the debt is 6 years old so statute barred etc....
If you had an agreement set up when this debt was live and you were paying into it, then chances are there is an entry on your credit file (experian, Call Credit or Equifax are the credit agencies) which can (note: can not will) be sabotaged by these people, i.e. they may get shirty and try to put a 'deafult' entry against it. I suggest getting a copy of each of your files from the above and seeing if there is an entry for this debt on there. If there is not, do nothing as they can only put a default against an entry that is already there if you get my drift. As I said read the previous posts by me etc and everyone else.
How you take this forward very much depends on where you stand with the debt - is it 6 years old or more? Have you made any payments within those 6 years? If not they can whistle for it...good luck
Sarah

sparkleyGIRL

Hi squelch 123
Thanks for your reply

The debt may be mine but is definitely over 6 years old.I have checked on experian and there is nothing there but they only go back 6 years

I have just remortgaged and had no problems getting my previous mortgage either so it seems strange

I am moving soon so I can change my number then maybe

I have seen the template letters on here,one regarding the 6 year time limit and another on the first page starting "I do not acknowledge any debt to your company" and not sure which to send.The 6 year one seem like an acknowledgement of the debt somehow

Thanks
SparkleyGIRL

yonkie

hoo-ray!after several letters from debt management ltd(including court threats and the usual discounts),then one from Russell+Aitken solicitors,a final last go from d.m.l,and now i have received the first letter from Parkgate Investigation Bureau!!this just serves to justify my last posting(28-5-2007) when i connected all these people as being the same company.maybe i will hire some coaches and we can all go and pay them a doorstop visit!
keep fighting the powers that be,people
yonkie

squelch123

Hi Craig,

Well since my last contact I have had a further letter, this time its from a company called 'Call Serve Ltd' address: Credsec House, Oxford Road, Aylesbury, Bucks, HP17 8PL, tel 0845 1222976 dated 30/5/07.
It says: 'We have been instructed by our client to recover the above overdue debt. We DEMAND (yes they type it in BOLD CAPS!) that the sum stated be sent direct to this office IMMEDIATELY (yes bold Caps again!) using payment slip below. Your failure to comply could result in a DEBT COLLECTOR calling upon you for payment or a COUNTY COURT JUDGEMENT being registered against you'.
This is a different phone number this time, and I can pay via an online web address too (that's kind of them) but it makes me laugh - as all these other previous companies who have been 'passed the debt' don't fight their corner to get the debt paid much do they? One or so letters and off to the next company it goes! I think this letter is designed to make me think they are closing in on me as this company is address not far at all from where I live. Also, they obviously don't realise that you can't register a county court judgement against a person - there has to be a debt to register the judgement against as shown on your credit file and mine is absolutely fine. I look forward to the next letter........will keep you posted...
Sarah

squelch123

Well done you! You are a couple of letters behind my saga - sit tight and don't buckle!
Sarah

squelch123

Hi There,

Check all the credit agencies (but to be honest they will probably say the same info) Agencies are:-
Call Credit
Experian
Equifax
If there are no entries on any of these then sit tight and either stay silent if you have had no contact or send the 'I do not acknowledge the debt' letter, Do not send the '6 year statute barred' letter - I agree with you - this could be used as your admittance of the debt I feel.
Sit tight as they will send you numerous letters (see all my posts).
One thing to mention - on your credit file - check the 'linked' address section - just be mindful of what addresses are shown - if on there it shows up the address that this debt was registered to you under (if it was yours) then check with the credit agencies by calling them - I think is still does not matter as there still has to be an actual agreement entry on your file which it doesn't from what you've said so things look ok to me. Remember though - I am only telling you my experience and what I am doing - I can't confirm that I have the right answers but I think if you follow my notes and other posts on this site then we are pretty much right in our approaches here....Regards Sarah

Ayrshire_2

Hi Sarah,

Thanks for keeping us all updated.

I've nothing more to update as yet, or at least my dad hasn't phoned in a panic of late so sounds like we're still waiting on the 'we're sending someone round' type postcard you got.

They like this mind games bit eh .... making you think they've hunted you down and are passing it to someone local so they can come round and bully/threaten you in person.

Yonkie and sparkleyGIRL .... keep fighting, don't give into this shower of low life. They will use whatever low life trick they can to get money out of innocent people. Yes there are some that owed the money and had time not ran out then fair enough but there are 'decent' ways to go about things and i'm afraid these chancers wouldn't know it if it bit them on the backside whilst sneaking in your back gate.

Also agree about not using the 'older than 6yrs letter' ...... i've told my dad to sit tight and send nothing... why be out of pocket for the stamp ? If they are sooooo certain that your due these debts and could legally prove it they'd have been down the court months ago. How much is it costing for all these letters? Moving around from one 'company' to another (although most are probably nothing more than empty shells). It doesn't make any business sense so it only suggests they have no grounds what so ever to get it to court so all they can rely on is the heavy mob approach.

Don't give in and one day hopefully someone will be p'd off enough to go after these cretins and put them out of business once and for all.

Good luck and keep us all updated, it's great encouragement to others just to know your not alone in the battle.

Regards,

Craig

dorothyjoan

hi

I've read through all the info on Aktiv Kapital and want your advice.

I first received a letter from them on 24th March 2006.

It started 'as you have been previously advised on 9th November 2001, the debt accrued by you, has now been legally assigned to Aktiv Kapital.', and referred to an original creditor that I did not recognise alongside an amount for £3877.

I had not received any notification previously!

I have to say that at this point I had managed to eradicate from my mind the fact that I still have two outstanding ccj's from 1996. I had a breakdown- from debt ,and had just 'come to arrangements' with advice from a debt counsellor before returning home to another part of the country and walking away from it.

Quite honestly, I had foolishly struggled for three years to pay exhorbitant interest on these accounts at the cost of my savings and more, despite advise and pleas from my family. So much so that at the end I felt that I owed them nothing.

After four or five years of desperate struggling I have now put myself onto a 'debt-free' path, effectively blocking out the ccj's. I suppose that was foolish but nevertheless I do resent the debt companies benefitting from me.

To date I have received twelve letters from them, threatening everything stated on previous pages. I have in reply sent them denials, demands with £1 fee and then another letter re-iterating the £1 fee letter and suggesting that I would take legal action against them if they persued me any further without proving just cause.

They have eventually replied with a copy of a signed credit agreement form which shows no amount or anything else. Another letter came last week stating that they will pass the account to 'one of our doorstep agents on 21st June 2007 if we do not hear from you'.

Please advise me what I can do or should do?