Aktiv Kapital (UK) - Who Are They?

FTW

ceejaydee23 wrote: »

errrm, I have just had a look at the Statement of Account that was sent to us recently, It states its something thats ment to be sent every year, But this is the first that we have ever had! AND I've noticed theres a date on it of the original agreement date (i'm assuming thats when the credit card in question went to debt collection?) it says 14/10/2001 grrrr how annoying then that If id known then what i know now id have had my other half ignore the letters for another year, would have been Statute Barred then! as he started making payments to Thames credit on 7th Dec 2006!

Are you in Scotland or England? As far as Statute Barring goes, it does make a difference.

ceejaydee23

England Unfortunately (in this case) lol

FTW wrote: »

Are you in Scotland or England? As far as Statute Barring goes, it does make a difference.

fermi

who_r_they wrote: »

I have been asked by my mother to help go through her bank statements and finances as she has a condition that affects her memory and doesn't know who or what she is paying money too and I came across a direct debit she has been paying to Aktiv Kapital. I asked her about what this was for and she said that she received a letter a few years ago saying she owed money and rang them as she was confused as to what this debt was relating to gave them the reference number. She was told that she had to make a payment otherwise it would go to court and offered to pay £5 per month as that was all she could afford but was told this was not good enough and they set up some sort of agreement for her to pay £10 a month, which has since been increased to double this and some. She recently received a letter from them stating the period covered and the closing balance which is for ten and a half grand. It has according to the letter, an original agreement number and the credit agreement date which is going back to 1983. She does not remember them mentioning any of this when she rang them just that she owed them money and couldn't afford to pay it and then that was when the £10 was agreed.
I think that there is something wrong with this and having read the various information on here am very concerned that my mum has been taken advantage of.
I want to tell her to stop the direct debit and to ask for a copy of this credit agreement but do not know where she stands as she has contacted them and has been making payments, therefore pretty much acknowledging the debt as she didn't know what she was doing and didn't get help at the time and in light of the recently received letter, has no knowledge of ever taking out a loan of this amount especially back in 1983.
Can anyone help/advise me please as I feel a little out of my depth.

This would be better in it's own thread I think?

I'll copy it into one.

Click --> https://forums.moneysavingexpert.com/discussion/3054034

fermi

As a reminder, makes 'illuminating' and useful reading.

BBC News - Debt collector firm censured for targeting wrong people

OFT takes action against unfair debt recovery practice - Aktiv Kapital

requirements imposed on Aktiv Kapital

BBC NEWS | Mistaken identity debt case payout

FTW

fermi wrote: »

As a reminder, makes 'illuminating' and useful reading.

BBC News - Debt collector firm censured for targeting wrong people

OFT takes action against unfair debt recovery practice - Aktiv Kapital

requirements imposed on Aktiv Kapital

BBC NEWS | Mistaken identity debt case payout

That's not to mention the fact that AK were one of the four companies named in the Beryl Brazier case as well.

handyman123_2

FTW wrote: »

That's not to mention the fact that AK were one of the four companies named in the Beryl Brazier case as well.

Hi FTW, I might as well put the link up so folk's can see what can happen. Beryl Brazier
http://www.dailymail.co.uk/news/article-484772/Grandmother-terrorised-death-bank-wrongly-hounded-16-000.html

Regards, Handy.

ceejaydee23

And we all know there are far more people just like that lady, whom end up ending their lives because of these bully boys!

handyman123 wrote: »

Hi FTW, I might as well put the link up so folk's can see what can happen. Beryl Brazier
http://www.dailymail.co.uk/news/article-484772/Grandmother-terrorised-death-bank-wrongly-hounded-16-000.html

Regards, Handy.

handyman123_2

ceejaydee23 wrote: »

errrm, I have just had a look at the Statement of Account that was sent to us recently, It states its something thats ment to be sent every year, But this is the first that we have ever had! AND I've noticed theres a date on it of the original agreement date (i'm assuming thats when the credit card in question went to debt collection?) it says 14/10/2001 grrrr how annoying then that If id known then what i know now id have had my other half ignore the letters for another year, would have been Statute Barred then! as he started making payments to Thames credit on 7th Dec 2006!

Hang on a mo, Handy has had a pop or 2 tonight but has just re-read this post. Just check please that the date quoted of 14/10/2001 is the date that it was passed to a DCA. Statute Barred runs from the date of the last payment to the original lender, or written acknowledgement of the debt. Normally once you miss payments or stop it is 3 months before a default is issued to your credit report and at least 6 months or longer before the debt is sold on to a DCA. AK specialise in buying debts that are almost SB'd that way the get them for @ 20 - 25p in the £.

In my case I defaulted in 2004, in 2010 I get the letter, The Notice of assignment says the debt was bought in 2006. So figure it out.

I don't want to offer false hope. Just make sure you have your dates correct. If like me when it happened I buried my head in the sand threw all the paper work away and ran. Don't even start to think that I still don't feel ashamed.

If I could turn the clock back I would, and I would never have accepted
consolidation on consolidation.

Hope this may help in someway, regards Handy.

ceejaydee23

Well the debt was originally my other halfs, so he doesnt have any paperwork from the original creditcard. so we have now drafted a letter from one of the links posted before on here, with supplying proper documentation. I'll be getting a postal order today so can post it all off for him (and no he hasnt signed the letter)

But it just suprised me seeing this statement of account come through cos in all the years we had been paying we hadnt had one before! and they have always been repeatedly sending "80% off your outstanding balance if you can settle within the X amount of days"! letters too.

handyman123 wrote: »

Hang on a mo, Handy has had a pop or 2 tonight but has just re-read this post. Just check please that the date quoted of 14/10/2001 is the date that it was passed to a DCA. Statute Barred runs from the date of the last payment to the original lender, or written acknowledgement of the debt. Normally once you miss payments or stop it is 3 months before a default is issued to your credit report and at least 6 months or longer before the debt is sold on to a DCA. AK specialise in buying debts that are almost SB'd that way the get them for @ 20 - 25p in the £.

In my case I defaulted in 2004, in 2010 I get the letter, The Notice of assignment says the debt was bought in 2006. So figure it out.

I don't want to offer false hope. Just make sure you have your dates correct. If like me when it happened I buried my head in the sand threw all the paper work away and ran. Don't even start to think that I still don't feel ashamed.

If I could turn the clock back I would, and I would never have accepted
consolidation on consolidation.

Hope this may help in someway, regards Handy.

[Deleted User]

Just to let you know I got a letter from AK saying that this debt is statute barred, and they will no longer pursue it. Thanks to everyone on here who gave me advice. Hopefully I wont need to send any more letters!!