Aktiv Kapital (UK) - Who Are They?

lightmaster

Thanks for that rog2
I wrote to them in Sept 2007 saying that I didn't think they could enforce the dept without a copy of the original agreement and asking for any monies paid to be refunded. They took 10 months to reply. So other than that the only letter I have sent is the last one
LM

rog2

lightmaster wrote: »

They took 10 months to reply. So other than that the only letter I have sent is the last one
LM

Well, personally, I wouldn't worry too much, LM.

If you have not yet done so, you can send them the 12+2+30 day letter - don't worry too much about the delay:

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

Lissa21

rog2 wrote: »

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.

OK, so the default is still there. Can anyone explain to me how I go about reporting these people to TS and The Information Commissioner please? And are they likely to be able to do anything about it?

Many thanks

1400ted

I have been following this forum with some interest for some time now.
About 4 months ago I got a demand from Debt Managers on behalf of AK for several hundred pounds. I have no debts apart from a small credit card which is cleared each month and my mortgage which is up to date.
I ignored the letter. A week later a final demand arrived. I ignored it..... Later an offer of 25% discount arrived. I wrote to the office in Edinburgh
by recorded delivery asking them to identify the original creditor and telling them that they were statute barred from claiming any such alleged 'debt'.
I have heard nothing for 3 months and I assume they have gone 'fishing' somewhere else. I will post again if anything further comes up.
In the meantime, don't let these b..tards grind you down.......the County Courts must know the names and operating procedures of these people. I have no fear of the County Court, another firm took me there trying to claim 2 years advertising fees in a magazine when I had only signed up for one year. They showed me the contract I had signed showing TWO years, I showed their solicitor the carbon copy of the same document which only showed ONE year, They didn't turn up in court, I got costs and they went out of business later so I didn't even pay for the one year....result!
Ted

vinnerisions

Hi. I found this thread after I googled for Aktiv Kapital - lots of useful information on here; thanks everyone and I wonder if anyone could help me further.I recieved a letter today from Call Serve with the title re: Debt Managers Ltd - Aktiv Kapital Investment demanding £1042.97 immediately, threatening me with a debt collector or CCJ if I don't pay. I previously had a letter from Aktiv Kapital themselves (which I have now lost - doh!) for this debt and when I phoned them up they asked me information about my previous address, which I gave them, and then the woman said "No, when did you leave [some place I had never heard of]?" When I said I'd never lived there, she refused to tell me anything else and said that their collection team would look into it further, and I've never heard from them since until now.How worried should I be? And should I send that letter off about the CCA? I don't even know what this debt relates to so I don't know if it's a credit agreement or not, but would that letter be good to send anyway? Cheers for any advice.

dmd12577

Lightmaster
I too have had the exact same letter from Aktiv kapital, obviously a bog standard letter they print off when people ask for the cca request for the first time. Ive sent them the 2nd one now, not had anything in writing just phone calls asking for myself TO WHICH I REPLY SHES NOT IN haha Although i acknowledge there is a debt there, i am disputing the amount owed and since aktiv kapital bought my debt from someone else probably for around 10% of the total, that means my 1,425 debt they probably bought for around 140 quid and they wont accept my offer of 500, so basically now im not worried since if it does go to court and in light of my circumstances they may get even less or nothing at all now. I went to trading standards who kinda took on the part that if I do owe some money then its best to offer something just to stop all the hassles and i kinda went along with that thinking hey its the trading standards guy and he put the offer to them to which they knocked back the next day to myself. Really I should have just stuck to my guns and not listened to the trading standards guy at all since aktiv kapital actually said in my letter they did try to get the info as a matter of good practice but its not available nor is the deed of assignment. I only went to TS just to see where i stood in my standoff to keep myself right and put it this way i probably knew more about it than he did as he did say it wasnt his area so I could have been a bit more lucky on the day and got someone who did but there wasnt.

dmd12577

just something to have a giggle at by the way, on the website for aktiv kapital, they have a csa codes of practice to which they are a member under and under section f it clearly says the following:
f) Comply with all reasonable requests by debtors, clients or their appointed representatives for information concerning their agreements and accounts.
oh and take a peek at this one
r) Where a debt or the sum owed is disputed, as soon as is practicable, supply information to the debtor in support of the claim. Where no information has been supplied by the creditor, obtain the required support, or failing that cease collection action.
this can be found on their own website link which must mean this code they must have to follow themselves i presume. i can see my next letter being wrote right now haha

Tre-beam

Hi,
I was wondering if anyone could give me some advice please?

Basically, I sent a CCA request to Thames Credit on the 29th August 2008. In this I also stated that all correspondance would be by letter and that I would NOT be phoning them.

On Saturday (20th Sept) I recieved a letter saying:

Further to our recent correspondance in connection with the above referenced matter, we note we have not recieved a response.

We are endeavouring to resolve the issue that you have raised (clearly they have recieved a response then!), but require further information from you in order to do so.

Without your assistance, we will not be able to resolve this matter as efficiently as either of us would wish.

We would therefore request that you contact our specialist team on the freephone number who will be able to assist in resolving this matter.

We look forward to receiving your response asap, so please telephone us on etc etc

Any ideas what I should send back to them? I was thinking of reiterating that I WILL NOT be phoning them and that they didn't seem to need any further information from me when they were demanding money off me

Does this sound ok?

thanks to anyone who can help.

TB x

RAS

OK
So yu have not recieved a CCA from them?

Just to check what sort of account was it that you are querying?

Tre-beam

Hi RAS,
No, I haven't had a CCA from them. It says that it's something from GE Capital Global Consumer Finance Ltd.

TB