Aktiv Kapital (UK) - Who Are They?

jimmylesaint

WHY don't you send a letter to these ingrat cretins. Stating along the lines,
"I received your letter stating i owed money! I do not know anything about this amount due.
DO NOT EVER write to me again, you or your agents. Unless you can provide unequivocal proof that i owe this amount for this reason and to which company.
If you do not/cannot obtain proof AND still write/instruct agents to write to me in an attempt to defraud me then i will report not only an offense of HARRASSMENT, and distress (under AJA) to the police but a more serious one of FRAUD.

Yours SINCERELY
jimmy

Why not a letter like that, lessens the ping pong of sending expensive recorded delivery letters. Ok(this may not work if you do have a debt with proof to the debt etc)
But for others who don't have a debt or a debt older than 6yrs etc then don't waste time go to the police. Make a formal complaint/statement, the police have a duty to investigate! Make sure they do investigate, call the police every day to find out what they have done! If they have been lax, complain to AN INSPECTOR., then if they still drag their heels make a complaint to THE IPP.
Trust me the company in question will soon lose its' credit license(much like a pubs drink licence, police get them taken away if a trouble hotspot that takes up too much resources.
Any holes in this argument feel free to explain to me/us.

rog2

jimmylesaint wrote: »

Why not a letter like that, lessens the ping pong of sending expensive recorded delivery letters. Ok(this may not work if you do have a debt with proof to the debt etc)
Any holes in this argument feel free to explain to me/us.

Quite simply, jls, the 'hole' in your argument is that sending a letter like that brings an 'alleged debtor' down to the same level as those who sent the original demand.
I totally agree that many dca's are acting on a very fine line between 'legality' and 'criminality' in the way that they target their potential victims, but this is precisely why we should act within the letter of the law when questioning their dubious and shameful tactics. It is, if you like, a bit like dealing with a 'playground bully' at school - if you react in a knee-jerk fashion, this simply fuels the bully's anger, yet if you react with a reasoned approach, then that bully will start taking you seriously and, eventually, may even leave you alone.
The Consumer Credit Act, 1974, was introduced in order to protect the rights of the consumer, but can only work if that consumer follows the framework and processes contained in that act. Yes, I agree, it can be time-consuming and the results are not necessarily immediate, but, when used correctly, it is a very powerful act from which many posters on this board, myself included, have benefited.

jimmylesaint

Rog2 i don't think it takes us to their level, because i am still acting within the law, although angry and indignant(rightly so) in my letter of reply. However these letters sent with no proof or evidence demanding money or face further consequences are shocking! Worse then the recent arrests of the offshore lottery gang, you know the ones that try and scam money from you, saying you've won thousands etc. These Aktiv Kapital people just demand money and threaten further action with no basic proof.
Hence, i will use my letter of reply (as yes i have a letter from Debt Managers Ltd acting on behalf of AKTIVA KAPITAL FI, 650pounds hence i have strolled through this forum:) I can also tell you i have not the foggiest what this debt may be.In fact i personally think it must be someone who stole my ID.
I will of course keep you updated to how it pans out.I WILL use my reply first, then if they do provide me with proof, giving them lawful reason

jimmylesaint

... i will start on the softer approach like CCA. If they do not show proof then i will issue a statement to the police and i will make sure they do something about it as is their duty!
It is time to treat these borderline companies with twice the amount of disdain that they treat you, but negotiate their demise with and within the FULL extent of criminal then civil law.
I feel better already, letters will be sent to both these jokers Monday Morn.

WEEGIE

jimmylesaint wrote: »

Rog2 i don't think it takes us to their level, because i am still acting within the law, although angry and indignant(rightly so) in my letter of reply. However these letters sent with no proof or evidence demanding money or face further consequences are shocking! Worse then the recent arrests of the offshore lottery gang, you know the ones that try and scam money from you, saying you've won thousands etc. These Aktiv Kapital people just demand money and threaten further action with no basic proof.
Hence, i will use my letter of reply (as yes i have a letter from Debt Managers Ltd acting on behalf of AKTIVA KAPITAL FI, 650pounds hence i have strolled through this forum:) I can also tell you i have not the foggiest what this debt may be.In fact i personally think it must be someone who stole my ID.
I will of course keep you updated to how it pans out.I WILL use my reply first, then if they do provide me with proof, giving them lawful reason

hi jimmylessaint
I think you shoul take rog2's advice, as he knows what he is speaking about. If you read his posts and the posts of posters who have been helped(me included) you will realise, if you go about it the proper way, you are more likely to get a better response from those bully boys.

jimmylesaint

Weegie
I have no doubt that Rog2s advice is sound and will get a result.
BUT what i feel does need changing is the fundamental way these companies handle their books, without due deligence, causing stress etc unnecessarily, and sending letters that are an attempt at fraud! Simply i won't tolerate it unless it is backed up with evidence. If they ignore my reply then criminal proceedings begin, using that crime number to OFT trading standards etc so these quaasi bureaucratic organisations don't drag their feet and do something which not just helps me, but all consumers who have had to put up with this cr%p.

rog2

jimmylesaint wrote: »

Simply i won't tolerate it unless it is backed up with evidence.

But that is exactly what the Consumer Credit Act does - it places any creditor or dca under a legal obligation to provide evidence of any 'debt'.
Of course you can initiate criminal proceedings against any dca who is clearly acting outside of the law, but having followed the due process of the law, yourself, can only strengthen your position.
OFT/Trading Standards have come under criticism for appearing not to act, or to act too leniently, on complaints about dca tactics, but, equally, they have often used their powers to revoke the licences of rogue debt collectors.
I, also, will no longer tolerate the bullying, often criminal, way in which these 'parasites' conduct what they call their 'business', but I prefer to do it by using the tried and tested processes that are enshrined in UK Law.
Those 'processes' are, by no means, perfect, and may not be applicable to every situation. However, there are many charitable organisations, such as National Debtline, CCCS and CAB, who are more knowledgeable about debt solutions than I will ever be, and I would be much happier consulting with them before I tried taking the 'Law' into my own hands.

jimmylesaint

I hear you. Will include the CCA first part of the letter(minus the pound) then the riot act 2nd part of the letter. Telling them to only contact me with the evidence, OR to tell me the matter is now closed and erased from their files! ANY other form of contact will be reported/investigated as possible fraud, harrassment, malicious communications act, etc etc.
Simply these people are not doing their job properly and to be a licensed DCA they should show a "duty of care" to not unnecessarily cause stress, humiliation to the recipient AND /OR their family.
That is my course of action and will let you know how it goes:) Though i detest the thought of giving these plonkers £1 for my innocence.
Although nice scam, send everyone in UK a letter like this and if the 60 million inhabitants send in a £1 re:CCA then that be a cool 60 million quid:)

sterobbo25

I have had a phonecall earlier this evening with regards to 2 accounts Aktiv Kapital have in my Mum's name, my Mum died in December 2006. I immediately faxed them a copy of the death certificate. 10 minutes later, I had a phonecall from another of their agents again asking for my Mum, idiots!!

Can they chase my Dad or I for these accounts?

inmypocketnottheirs

sterobbo25 wrote: »

I have had a phonecall earlier this evening with regards to 2 accounts Aktiv Kapital have in my Mum's name, my Mum died in December 2006. I immediately faxed them a copy of the death certificate. 10 minutes later, I had a phonecall from another of their agents again asking for my Mum, idiots!!

Can they chase my Dad or I for these accounts?

Strictly speaking any debts should be settled from your mum's estate, providing she had anything to leave. If not, then they have no right to ask you or your Dad to settle any outstanding debts.

HTH