Aktiv Kapital (UK) - Who Are They?

rog2

kitty1977 wrote: »

hi there - i went to pick up a letter from an old address and discovered to my distress a letter exactly like and earlier fellowe forum member. in my working life i cannot risk any legal intanglements so foolishly called the number! i denied all but did say i lived at the addresses they had for me...she eventually told me what the debt was for...it was long time ago so the memory is vague. i said it could be mine but required proof - which she couldn't supply and then when i insisted saying that they would not get anywhere without proof...all of a sudden she asked for the request in writing and then they could tell me all. i think if this debt is mine i want proof and details of the last payment....to establish whether it is statute barred...but how can i without writing for it?? This could constitute acknowledgment....?? any ones comments welcome...thanks xxx:mad:

Hi kitty

Have a look at the following National Debtline link, and send them the letter that you will find in it, with a Postal Order (NOT cheque) for £1.00.

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=getting_a_copy_of_your_credit_agreement_and_account_details

They are legally obliged to provide you with this information within 12 working days of receipt of your request, and without it, they can not pursue the debt.

Send it by recorded delivery, and preface the letter with the words:

"I do not acknowledge any debt to your company, or to any organisation you claim to represent"

Do not sign the letter, with your usual signature - instead, print your name.

If they are able to provide this information, then it will show you if the 'debt' is indeed statute barred or not. See:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

Good luck.

pamril1

loobyloo1980 wrote: »

I have never heard of the company you refer to but I have had dealings with Wescot. I currently have an agreement in place with them for a debt that I do acknowledge, but a couple of years ago they wrote to me about £18 I owed a book company which I had paid in full. I had to get copies of cheques from the bank and allsorts to get them off my back. Never heard from them again once I supplied them.

hope you get this sorted as quickly. good luck

loobyloo
i'm having the same problem with Wescot over an old Vodafone account which was settled in 2006 by direct debit I dont know why it was ever passed to them but i'm lucky I kept the paperwork to prove it.
I'm still waiting to hear back from them with a notification in writing that they acknoweldge the account is settled!

bobsyouruncle69

Hi All,

Just an update. Have sent a request for the agreement and account. Will see what happens and will keep you posted. I have received all the letters as discussed before. The latest offering 30% off.

Interestingly/shamelessly the letters arrive about a week and a half after the date quoted on the letter. Scam to scare you into reacting quickly and/or if it ever gets to court they say that you didnt reply in a timely manner?

All the best to you all.

RAS

Thanks

Keep us posted.

rog2

bobsyouruncle69 wrote: »

Interestingly/shamelessly the letters arrive about a week and a half after the date quoted on the letter. Scam to scare you into reacting quickly and/or if it ever gets to court they say that you didnt reply in a timely manner?

One is certainly 'tempted to think so'.

Good luck with your cca request. :beer:

VanditLXXIII

Hi all!

I have had no actual correspondence from Aktiv Kapital, but have had various letters from other debt agencies, claiming that I owe Aktiv £229.91.

Now, the thing is, when I have phoned these other debt agencies (Debt Managers Ltd., and Call Serve Limited), I have asked them from where the debt originates from, neither of these companies can give me a straight answer, they either say it's from Aktiv, or they do not know.

I am refusing to pay them a penny, until they will give a straight answer, which, I very much doubt that I will get.

I have also written to Aktiv, asking for details of this so called debt, but alas, I have had no correspondence from them what so ever!

Any help on this matter will be much appretiated....

Marc

inmypocketnottheirs

VanditLXXIII wrote: »

Hi all!

I have had no actual correspondence from Aktiv Kapital, but have had various letters from other debt agencies, claiming that I owe Aktiv £229.91.

Now, the thing is, when I have phoned these other debt agencies (Debt Managers Ltd., and Call Serve Limited), I have asked them from where the debt originates from, neither of these companies can give me a straight answer, they either say it's from Aktiv, or they do not know.

I am refusing to pay them a penny, until they will give a straight answer, which, I very much doubt that I will get.

I have also written to Aktiv, asking for details of this so called debt, but alas, I have had no correspondence from them what so ever!

Any help on this matter will be much appretiated....

Marc

My advice would be:

Don't phone them, always write
Send all correspondence Recorded Delivery
Keep copies
Attach Recorded Delivery slips to your file copies
Print off from Royal Mail website proof of delivery slips & attach to copies
Never sign anything you send them
Never give them any proof of your id
Don't be intimidated by threats of Court Action or Doorstep visits

Hope this helps

katiebeth_2

I have just read some of the previous posts about activ kapital. They contacted me a year ago with some old debts (the information they gave me was correct, the amounts and the companies I owed) and I set up a direct debit with them, the debts are due to be paid in full in a couple of months. I'm a little freaked out now that this may not be genuine and that I have wasted all the money I have already paid out (about £2000). How can I go about checking that my money is actually paying off my debt? If it hasn't is there any way to claim it back?

gsephton2000

I'm pretty much in the same position as katiebeth, had a previous debt which aktiv appeared to take over. Mine was with GE capital for around £2000 @ 29.9% apr, with the balance just over £1000 wen aktiv contacted me. After viewing a recent correspdence I noticed that the balance was still over £1000 despite paying £60 a month 4 well over a year, maybe even 2 years. I've called them and asked for the original credit agreement (woman I spoke to gave a half-hearted "i will try to locate it for you but we don't keep these documents ourselves"), which after reading some of the previous posts is a mistake so i've formalised this request with a letter. I would also like to know if they fail to produce the agreement is it possible to claim back previous payments?

vaderag

So, i had a voicmail on my parents phone last night from Gareth saying that "it is in your interest to give me a call before 8pm this evening", and to call 0870 050 1041 and give them a reference number.

So, I called the (alternative) number and the phone was answered.

"Do you have a reference number" - so i gave it
"Are you calling to pay off the amount in full by credit or debit card" - errr... what?!

So it transpires that apparently i owu ~£80 from a Barclays overdraft, which could have been "a number of years ago".

I have NEVER received anything from Barclays about this, and I have only been overdrawn once for which i was charged £25 at the time.

I'm inclined to think this is rubbish, but plan to call Barclays today. If by some bizarre chance it is legit (i genuinely cannot see how it can be...), should i not have received something from Barclays at the time and if i didnt, surely there's some get out here?

What do you all think?