Aktiv Kapital (UK) - Who Are They?

rog2

Chameleon - send off the cca letter immediately.

Don't worry about any threatened visit by 'doorstep agents'. They are NOT bailiffs and have no automatic right of entry to your house - peaceful or otherwise. You are under no obligation whatsoever to discuss this 'alleged debt' with them and they must leave immediately when you ask them to.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

~Chameleon~

I know I should probably go down the proper route to deal with this but I'm actually very tempted to call their bluff and let them send their agent(s), assuming of course this isn't just an empty threat on their part.

Reasons being that I know for a fact that I don't owe any money to these people or anyone else. I've checked all my credit files and they are squeaky clean, not even so much as a missed payment for the last 6 years.

Plus, the more I read about this company the more I'm inclined to think it's a huge scam trying to extort money from people and even if they don't get a result in being paid they are still earning £1 from every CCA request which soon adds up if they send out 1000's of letters!

I don't want them having even so much as £1 of my money!

The fact you mention above that they're NOT actually bailiffs is reassuring in one sense, in that they can't just force their way into my home uninvited, but I am concerned at what actions they might try if they're not actually regulated in any way.

What's the worst they can do? And am I within my rights to call the police if they refuse to leave when requested or threaten me in anyway or try to force their way into my house?

It's a bit of a scary prospect to face but I don't see why we should be bullied into submission by these scum :mad:

WEEGIE

~Chameleon~ wrote: »

I know I should probably go down the proper route to deal with this but I'm actually very tempted to call their bluff and let them send their agent(s), assuming of course this isn't just an empty threat on their part.

Reasons being that I know for a fact that I don't owe any money to these people or anyone else. I've checked all my credit files and they are squeaky clean, not even so much as a missed payment for the last 6 years.

Plus, the more I read about this company the more I'm inclined to think it's a huge scam trying to extort money from people and even if they don't get a result in being paid they are still earning £1 from every CCA request which soon adds up if they send out 1000's of letters!

I don't want them having even so much as £1 of my money!

The fact you mention above that they're NOT actually bailiffs is reassuring in one sense, in that they can't just force their way into my home uninvited, but I am concerned at what actions they might try if they're not actually regulated in any way.

What's the worst they can do? And am I within my rights to call the police if they refuse to leave when requested or threaten me in anyway or try to force their way into my house?

It's a bit of a scary prospect to face but I don't see why we should be bullied into submission by these scum :mad:

Hi there
If they don't leave when you tell them you can call the police to have them (doorstep collectors) removed from your premises, but it won't come to that, tell them you do not wish to speak to them and to go away.If they don't go away,(which they will) just close your door and inform the local constabulary.

fortune_pete

~Chameleon~ wrote: »

What's the worst they can do?

If you do nothing they'll likely continue sending threats and harassing letters which may cause you further upset/anguish.

The CCA letter suggestion is the cheaper way to put an end to their intimidation with a known timeline.

It's extremely unlikely you will see a doorstep collector since;
i) that would cost them money and about the only thing a doorstep collector could do is ask you whether the debt is yours and,
ii) they would be unlawfully passing on your personal data to another party without authority.

Do write to the debt collection company and tell them the debt is not yours and they must desist with their letters to you. Do keep a record of correspondence. Do send the letter recorded delivery. Do ask for a copy of their complaints procedure. Do exercise your right and insist no doorstep collectors visit you. Do let them know you are aware of your rights and ultimately will be looking to claim for compensation through the courts if they ignore your letter and misuse your data.
But don't offer any personal information re yourself or your credit history and don't sign your letter.

You've obviously had a good read of this thread and you're armed with knowledge of this company, your rights, the authorities to take your complaint to etc. You'll already be aware of their likely response(s).
I wish you the best of luck dealing with the lowlife and congratulate you on your squeaky clean credit files :thumb up:

Tre-beam

Hi guys,
I'd like some advice please.

I recently received a letter from Thames Credit (part of AK) telling me I owe £171.38. I have just got access to my credit files and there is nothing on Experian but on one of my files there is a CCJ from 2003 for this amount.

My questions are these:

1) Is it worth asking for a CCA as it looks like this debt is actually mine.
2) Should I ring the number and arrange payments or correspond only by letter?

It looks like they don't have a phone number for me (and I want it to stay that way). I also don't want anyone visiting the house as it's my boyfriend's and I'd rather keep him out of this.

Many thanks

Tre-beam

Anyone?

rog2

Tre-beam wrote: »

1) Is it worth asking for a CCA as it looks like this debt is actually mine.
2) Should I ring the number and arrange payments or correspond only by letter?

Hi Tb

You are right not to phone them, and I would keep ALL correspondence in writing only.

If you were unaware of the CCJ, then it is definitely worth talking to the County Court Office - you could apply to have the judgement 'set aside' on the grounds that you were unaware of the claim. You will find the Court Officers very helpfull - they see this all of the time and are well aware of the situation.

Certainly do NOT contact Thames Credit - at least until you have established the validity of their demand.

If you want some free, professional and impartial advice contact National Debtline - 0808 808 4000, CCCS - 0800 138 1111, or your local CAB.

Good Luck.

Tre-beam

Thanks rog2.
At the moment they haven't mentioned a CCJ, it's just from looking at my credit file. In all honesty, this probably is my debt but I was thinking I could maybe request a CCA just to see what's what. I'll try one of the numbers you gave me.

Thanks very much for your help.

TB

Lissa21

Lissa21 wrote: »

hi there, apologies if this is already answered elsewhere...I am so angry and need to deal with this quickly so would be so grateful for a response....

Over a year ago I started getting letters fron Thames Credit threatening court action etc over an alleged £165 debt to GE Capital Bank that they had bought. I did some research, found these boards and sent off the first two recommended letters - firstly with a £1 PO requesting a copy of the agreement, and secondly when they didn't respond another letter reminding them of the deadline etc. I received a letter saying they were requesting the agreement from the original creditor and would require some more details from me, would I phone them. They tried to phone me, got a mouthful from someone else in the household and I never heard from them again. I was so pleased that they obviously didn't have the agreement. I haven't paid them any money. Anyway, I didn't follow up with any other letters.

In the last couple of weeks I applied for a loan and got refused twice. I just got a copy of my credit report and there is a Default on there for £165 from Aktiv Kapital who I take it are related to Thames Credit. This must be why I am not getting a loan, and I am so angry!

My question is, which letter do I need to send now? I still have the letter they sent me, but it has been a year now - do I have to go over the whole thing again requesting the agreement etc or is there a letter to send demanding they remove the default as no agreement has been produced?

Any information would be much appreciated. If only I had checked my credit report sooner...I do not remember receiving a notice of the default which I understand is illegal as well?

TIA

Hi it's me again - I sent the letter as advised (see page 23!) and they received it two weeks ago - there is a signed proof of delivery on the Royal Mail's website. I requested they remove the default and wanted a reply within 14 days etc etc. I have heard nothing back and the default is still there. How do I go about reporting them to Trading Standards (which I will do in a couple of weeks if the default hasn't been removed) and will TS be able to force them to remove it? TIA

rog2

Lissa21 wrote: »

Hi it's me again - I sent the letter as advised (see page 23!) and they received it two weeks ago - there is a signed proof of delivery on the Royal Mail's website. I requested they remove the default and wanted a reply within 14 days etc etc. I have heard nothing back and the default is still there. How do I go about reporting them to Trading Standards (which I will do in a couple of weeks if the default hasn't been removed) and will TS be able to force them to remove it? TIA

It does, unfortunately, often take several weeks for defaults (even illegal defaults) to be removed from your crf.

I would, certainly, check again in a couple of weeks. If it has still not been removed, then report them to both Trading Standards and The Information Commissioner.