Aktiv Kapital (UK) - Who Are They?

FTW

Phinic wrote: »

Hi, My husband had a letter offering a reduced payment of 35% the other day. Do we still wait for a further letter or do something now?

Ignore. If it's not his debt, there's nothing you need to do. Let them waste their time and paper.

pidsleycat

Aktiv Kapital wrote to me today requesting payment of a debt of £81 relating to GE Capital Consumer Finance. From this thread it seems likely this is a scam but need advice on what to do next. Firstly, the letter is addressed to my old married name which I have not used for nearly 10 years. Secondly, I have no idea whether this was ever a legitimate debt as it must have been over 10 years ago to be in that name.

Should I send the "send me the information" letter or the "statute barred" letter or should I just ignore this completely? If I am going to write to them I don't want to give them my new married name as I don't want anything appearing on credit records that shouldn't be there but equally the person with the name they have doesn't live here (and in fact never has) so what name should I use on a letter?

Any advice welcome please!

~Chameleon~

pidsleycat wrote: »

Aktiv Kapital wrote to me today requesting payment of a debt of £81 relating to GE Capital Consumer Finance. From this thread it seems likely this is a scam but need advice on what to do next. Firstly, the letter is addressed to my old married name which I have not used for nearly 10 years. Secondly, I have no idea whether this was ever a legitimate debt as it must have been over 10 years ago to be in that name.

Should I send the "send me the information" letter or the "statute barred" letter or should I just ignore this completely? If I am going to write to them I don't want to give them my new married name as I don't want anything appearing on credit records that shouldn't be there but equally the person with the name they have doesn't live here (and in fact never has) so what name should I use on a letter?

Any advice welcome please!

Throw it in the bin and ignore it!

FTW

pidsleycat wrote: »

Aktiv Kapital wrote to me today requesting payment of a debt of £81 relating to GE Capital Consumer Finance. From this thread it seems likely this is a scam but need advice on what to do next. Firstly, the letter is addressed to my old married name which I have not used for nearly 10 years. Secondly, I have no idea whether this was ever a legitimate debt as it must have been over 10 years ago to be in that name.

Should I send the "send me the information" letter or the "statute barred" letter or should I just ignore this completely? If I am going to write to them I don't want to give them my new married name as I don't want anything appearing on credit records that shouldn't be there but equally the person with the name they have doesn't live here (and in fact never has) so what name should I use on a letter?

Any advice welcome please!

As with comment 1204. Ignore and throw it away.

gonchuk

FTW wrote: »

If you asked for all that within your CCA request, then yes.

They are also supposed to send out a statement of account with a CCA request, so technically, they have not completed the request you made.

Also, if AK have 'bought' the debt, then they should at some point have sent you a Notice of Assignment.

What you should do is :-

1) Scan up the CCA (but it's essential to remove all reference numbers, barcodes and any details that can personally identify you), using something like Photobucket.

2) Create a new thread, asking the question 'Is my CCA legally enforceable'.

3) Sit back and wait for advice.

Cheers for your advise, I have started a new thread to see what happens! Many thanks :T

gonchuk

GeorgeUK wrote: »

Have you looked at the CCA to ensure all the required terms are there and it's not a copy of the application form?

It looks like they are and it looks like it's a proper CCA - I have started a new post and provided a link to the online PDF as this thread is getting too big! I'd appreciate you looking at it though to see what you think...Is This CCA Enforcable?



Cheers for you advise (again!)

Phinic

George UK

No this is not a debt that he has ever had

FTW

Phinic wrote: »

George UK

No this is not a debt that he has ever had

If he's never had it, then there's nothing needs to be done.

GeorgeUK

Phinic, if it's not his debt, then he owes nothing and can tell them this is they phone. I wouldn't even bother writing back to them. I would however suggest he keeps an eye on his credit file to make sure the DCA doesn't put this debt against his name.

babyboono1

I've recently had dealings with these people and sent them out the stautute barred letter 4 times and no response form them today i recieved a letter from CCS stating they were going to send someone round to discuss the debt or take me to court i found the email addy for Aktiv and stated i had sent the letter numerous times and they had failed to reply why were they now getting ccs to threaten me? i also attached the letter to the email that i had sent in the post. within 3 hours i had the following back
Thank you for your email.

We refer to your recent letter regarding the above referenced account.

We have investigated the issues raised in your letter, and can confirm that legal action on this account would be statute barred under the Limitations Period. We have therefore taken the decision not to pursue this matter any further.

We can confirm that the account is now closed and you should receive no further contact from us with regards to this matter.

Please contact us if you have any further queries.

Regards,
Joleigh Penniall
Customer Services Department
Aktiv Kapital (UK) Ltd.
Joleigh.Penniall@Aktiv-Kapital.co.uk

Hopefully that is the end of all this now x definatley write to them but i reckon emailing is best as you will get a response.