Aktiv Kapital (UK) - Who Are They?

princesspop

i wrote to these clowns dated 13/06/08 asking for the proof of an alleged debt i have with them, of which i know nothing, i have just recieved something photocopied with my initial and surname of which i cannot recollect, and a ticked box stating they look forward to receiving my proposals for payment,dated 31/07/08!!

Now this i'm sure is outside their legal 12+30 days to send the requested info and my letter stated, a signed true copy (so a photocopy doesn't count does it?) and no signed true copy of deed of assignment. I just want to make sure my information is correct before I consider my next move if anything!

Help much appreciated!

rog2

princesspop wrote: »

i wrote to these clowns dated 13/06/08 asking for the proof of an alleged debt i have with them, of which i know nothing, i have just recieved something photocopied with my initial and surname of which i cannot recollect, and a ticked box stating they look forward to receiving my proposals for payment,dated 31/07/08!!

What does this 'photocopy' actually say, pp?

In order to check if it is a true copy of the cca, have a look at the followink link:

http://forums.moneysavingexpert.com/showthread.html?p=7869437

Check that, first, then double check the date of your first letter. If one month and 14 days have elapsed (which they probably have) then send them the 12+2+30 day letter that you will find in the following link:

http://forums.moneysavingexpert.com/showthread.html?p=6582439

kazza2828

rog2 wrote: »

I would just send them the statute barred letter - the onus is on them to prove that you have either made any payments, or acknowledged the debt, in writing, over the last six years:

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

If, on the other hand, you feel that you may have made a payment within the six year limitation period, then you can always request a true copy of the original consumer credit agreement, without which they are not entitled to pursue you for payment:

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

In both cases there are template letters that you can use.

Thank you Rog2 and anyone else that helped out with our problem with Thames Credit we sent a statute barred letter and today we received a letter back from Thames credit saying "the account is now closed and we should receive no further contact from them":T We would off never have known about this without you guys thank you again!!!!!:beer:

kara28

Hi ,

i have just got home and found this letter i am very worried can anyone help ?

we are an ivestigation bureau attempting to pass on very inportant paper work to (my name) previously of this address.

if you have any forwarding address or any information whereby we can contact them please call us on 08700501045

alternatively ,please write down the details on reverse of this letter and return it to the address above
(parkgate investergation bureau)
(po box 533)
(rotherham)
(s62 6ww)
supplying this information will be a advantageous to the person concerned

i have no idea who?what this is

fermi

kara28 wrote: »

supplying this information will be a advantageous to the person concerned

I really doubt it. :rolleyes:

Quick google search suggests that these people are in fact "Debt Managers", who are debt collectors. Often involved with Aktiv Kapital, which you have obviously guessed since you have posted on this thread.

They are fishing for info.

There is no guarantee that you are even the person they are looking for with these people.

rog2

kara28 wrote: »

supplying this information will be advantageous to the person concerned

Who do they think they are kidding?

~Chameleon~

Would it be tempting fate to mention that I've still not heard anything after they threatened to send their agents round 3 weeks ago? :silenced: :shhh:

lightmaster

Hi
I was contacted by AK in June 2005 regarding a dept from feb 2000. After some bullying tactics I ruluctantly agreed to pay of the dept. In September 2007 I wrote to them and said that I was stopping payments until they could provide a copy of the original credit agreement. I was originally under the impression that the original dept was settled by my employer as part of a severance agreement. This turned out not to be the case.However I was worried that I may be taken to court and reluctantly mayed payments. I wrote to them after reading that in order to enforce the dept they would have to provide a copy of the original credit agreement. Chancing my arm I also requested repayment of the £5k that I had already paid ( this was mostly intrest on the original amount of around £2k). I had no correspondance from them until a few weeks ago when they started phoning and requesting payment.
My quetion is this
As I made payments does this put me in a weak position?
Should I stick to my guns and continue to ask for a copy of the original agreement?

Interestingly enough on of their opperators let slip that they wouldn't take court action to enforce this but would continue to persue me by phone and letter.

( they no longer have my address only a work phone number)

rog2

lightmaster wrote: »

My question is this
As I made payments does this put me in a weak position?

Not at all, lm. In fact, if AK are unable to provide you with a true copy of the original executed cca, within the prescribed legal time frame, then you are legally entitled to request that ALL monies, paid by you, are refunded.

Should I stick to my guns and continue to ask for a copy of the original agreement?

Yes - of course.

Interestingly enough on of their opperators let slip that they wouldn't take court action to enforce this but would continue to persue me by phone and letter.

That IS interesting - possibly they already realise that they are on a 'sticky wicket'. :think: :think:

( they no longer have my address only a work phone number)

Do NOT allow yourself to be harrassed by AK - have a look at the OFT Debt Collection Guidelines:

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

Spokey_2

I have too, have recently received a letter from Debt Managers Limited of Edinburgh who are acting on behalf of Aktiv Kapital. They claim I owe £469.00 from the 8th April 1998!!!!! I called to query the amount and the debt and they told me it was from an electrical store, but they have an address that I have never lived at. The took me through no Data Protection questions at all and gave me all the address details of the property that I have no knowledge of, a clear breach of Data Protection rules as I understand it. I have now sent a letter accepting no knowledge of the debt and also stating that as the debt is now ten years old they cannot claim it back even if I did know what the debt was.