Aktiv Kapital (UK) - Who Are They?

abdn1216

Big thanks for the template statute barred letter it worked in my case

amberspy

do i send my prove it leters to bwc who are working on behalf of atkiv kapital or directly to ak ??
thanks

handyman123_2

I would send the prove it letter direct to AK they are the ones who are claiming the debt. When I asked for a CCA on behalf of a friend I also sent a copy letter to BCW stating as I believed their internal communications were slow in the least, I thought it was only fair to tell them that the alleged debt was in dispute.:rotfl:

Regards, Handy.

cloud09_2

I am a newbie to this forum having received a letter today from Aktiv Kapital and reading some of the threads posted regarding this company.

As a student, between 1997 and 2000, I had many credit accounts. Some of these I have paid off but cannot remember which ones (and haven't kept the paperwork as evidence as it was so long ago

In 2000 or 2001, I received several phone calls from Thames Credit regarding an unpaid overdraft with Barclays Bank. I do recall paying a couple of my student debts around this time and another around 2004, and pretty certain one of them was this overdraft (through debt collectors Cabot or Wescot Credit Services).

I have viewed my credit report a number of times over the last few years and no outstanding debt has appeared other than current creditors. I have not beeen behind on any payments for anything over the last few years.

Today, I receive a letter from Aktiv Kapital stating that I have an account with them from original company Barclays Bank with an outstanding balance of £1426.93. Whilst I recall having had a student account with Barclays Bank, I cannot recall if I have paid this debt or not. The letter also states they have found me through public databases and want me to call them to make arrangements for repayment. No other information is given other than the phone number and methods of payment accepted.

The account would have been opened between 1997 and 2000, and not accessed since. Other than the Thames Credit phone calls approximately 10 years ago, I have not had any correspondence regarding this debt.

I am now in a state of panic as my job is on the line and as it is, I struggle to get by on my earnings for paying other creditors, mortgage and general day by day living, with no social life at all. My husband has researched this company and says I should wait to see if I hear anyting else from Aktiv Kapital and then send the 6 year rule letter.

Some advice would be great as I don't want my husband getting caught up in my debt problems from days gone by especially when I am not sure if I have already paid this debt.

Any advice on what to do next would be greatly appreciated...

Thank you!

handyman123_2

Hi Cloud, There will be others more experienced than myself along shortly to help. I would suggest that you need to send them a Prove it letter.
http://forums.moneysavingexpert.com/showpost.php?p=24040085&postcount=1

If it is for an overdraft as they say, overdrafts are not covered by Consumer Credit Agreements (CCA'S) but if they cannot prove the alleged debt then they have nothing to take to a court to enforce that debt.

As you have already found out from reading this thread, AK are sharks of the most dubious variety. The fact that it is over 10 years from the last contact should give you some hope.

So prepare your prove it letter, send by signed for post, and sign your request digitally. It's not unknown for them to chase the wrong person, or to call a debt covered by a CCA an overdraft in order to disguise the fact that a debt is statute barred, (over 6 years old in England) and cannot be enforced.

Hope this helps.
Regards, Handy.

~Chameleon~

I would actually ignore the letter and not respond to it. Once you've responded to them you've confirmed who & where you are so will no doubt be inundated with further threats. I've periodically received letters from AK for over 3yrs now but they just go straight in the bin. They eventually give up

cloud09_2

:hello:Thanks for getting back to me so quickly, and for your advice.

I think I will wait and see if they write to me again and then send the 'prove it' letter.

Will post back if and when I hear further from them (here's hopng they don't!).

Many thanks again for your help, )

Culex

It would appear that Aktiv Kapital thinks that English Law applies to Scotland.

It may not do - Scots Law may apply instead.

:rotfl::rotfl::rotfl::rotfl::rotfl:

Whybee

Hello all...

I have read a lot of the posts in this thread looking for some information about Activ Kapital as I recieved a letter from them yesterday. I was hoping that someone could give me some specific advice for my situation.

The letter I recieved was addressed to me in my maiden name - I married 4 years ago. It came to my new address (house purchased following seperation from husband).

The letter claims that I owe £85 to Lloyds TSB and that they had been instructed to claim the debt. I have not been a Lloyds TSB customer since 1998. I called them to query it - they confirmed my address and asked if I lived at X Y address - my childhood address that I left in 1999 when I went to university - and havent lived in since - my father moved from the address in 2001.

I asked what the debt was for - they claimed it was for a lloyds TSB mastercard. My father paid the mastercard balance off in 1998 and as far as we can both remember the card was destroyed and the account closed - I told the operator this. She then told me that in 2005 a 'charge was applied' to the account and that this is where the debt has risen from. Between 1998 and 2001, when my father moved he did not recieve any statement or letter about the account - as it had been closed (to the best of our recollection!!)

They have offered to write off the £85 for £30 - but I don't believe that I should pay them anything - can anyone offer any advice???

My father is pretty savvy as far as things like this are concerned but even he doesn't keep statements this long!!!! He thinks we should request the mastercard account number and any statements they have - including the one showing the alleged charge in 2005.

Why would a random charge be applied on a (believed) closed account after 7 years???

handyman123_2

Sounds like another Aktiv Krapitall, lets try it on scam. Send them the prove it letter, you will find the link on one of my previous posts. The debt even if indeed it truly existed is obviously Statute Barred, and AK know this. Otherwise they would never try the £30.00 and its paid off routine.

Again it's obvious to those of us who keep an eye on AK and similar DCA's, and from the increase in the number of new posters on MSE, that they have just purchased a large portfolio of old debts, probably for less than 30p in the pound, and are now trying to rake in a fat profit.

You could go straight in with the Statute Barred letter, but I think that the prove it letter will sort this out.

Regards, Handyman.:D