Aktiv Kapital (UK) - Who Are They?

~Chameleon~

I'm beginning to think the best method of dealing with this company is to just completely ignore them!

This is what I've done for several months now and every time they up the ante and threaten me with visits from their "agents" or court action they never follow through with it. Despite their last letter giving me 7 days to pay up or I'll receive a court summons from a named County Court, I've received yet another letter giving me a further 7 days or, yes you guessed it, they will take me to court :rotfl:

I'm seriously beginning to think they are completely bluffing about any and all action, and simply preying on people's fears and insecurities to pay them. Obviously if you know the debt actually relates to you, and is less than 6 years old, and they can produce a credit agreement for it, then you will probably have to pay, but other than that I think they're just whistling in the wind and hoping to collect on an old debt list they've bought for peanuts

ALIBOBSY

Scotschik wrote: »

if i leave it will my parents be blacklisted?

It is a fallicy that "blacklisting" exists. As long as you and you parents are not financially linked (and the fact you have the same surname and are their child is not enough of a link-you need to have been on a financial product together) there should be no entry on their credit file for this.

However debt collectors will try to get around the law and even break the law and the credit ref agencies being in bed with them don't bother checking any info sent to them.

Example by law (ad common sense) a contract ie loan, rolling credit agreement ie credit card can only be defaulted once. That legally cannot and should not be renewed (although CCJ's can be renewed through the courts). Yet rountinely debt collectors add "extra" defaults for accounts already listed with a default by the original creditor and put more recent dates to affect the debtor for a longer period. When challenged eventually these are removed, but the fact that both the debt collectors and the credit ref agencies have so little respect for the law shows exactly what sort of companies they are.

Send them a letter, admit nothing. In big letters at the top write I do not admit any liability for any alleged debt to yourselves or any company you represent. Point out that you know nothing of this alledged debt and state that if any such debt existed that you believe it would be statute barred.

Never call them, do all actions via writing so you hold proof of all dealings just in case.

ali x

ALIBOBSY

BTW for those getting letters about debts they have never heard of I did read about trading standards investigating debt collectors for writing on mass to loads of people in the same area with simular or same names as a "fishing" exercise to find debtors. Very dodgy.

I would do a CCA request instead of a full SAR at this stage. The CCA request only costs a £1 and asks for sight of the credit agreement. Failure to comply with the request is a full defence in law against any court action, plus if they manage to produce anything (it will likely be an application form) it will likely be unenforcable and not compliant with the legislation.
But the advice to sit tight is as good as any, just I like writing letters and annoying/costing DCA's money

ali x

~Chameleon~

ALIBOBSY wrote: »

BTW for those getting letters about debts they have never heard of I did read about trading standards investigating debt collectors for writing on mass to loads of people in the same area with simular or same names as a "fishing" exercise to find debtors. Very dodgy.

I would do a CCA request instead of a full SAR at this stage. The CCA request only costs a £1 and asks for sight of the credit agreement.

And what's to stop someone setting up a scam "debt collecting" company and writing to 1000's of people on a "fishing exercise" in the hope of receiving £1 of everyone requesting a CCA? People are advised to send PO's so there's not even a trace of them receiving this money!

Just think how much money they can make doing this, hence why I refuse point blank to entertain even sending them a penny!

princesspop

What do I have to do to get rid of these clowns?? I received a letter from AktivKapitak regarding some unknown debt which scared the bejesus out o me, having never heard of em I google them and (thank heavens!) found this site!I sent the obligatory £1 for info, waited with baited breath, but never heard anything at all. Again, fired off the letter having waited 30+12+2 days then lo and behold I receive a letter with photocopies of something but the dates don't even add up with anything i had around that time. I ignored it, they sent more letters threatening court action, which again scared the wotsits out of me. Refusing to give in and pay for something I am sure is not mine, I sent off another 30+12+2 letter. I have now received ANOTHER letter stating they are REQUESTING A COPY OF MY SIGNED AGREEMENT AND WILL BE IN TOUCH SHORTLY!!!!!!!!

Surely this cannot be right?? They can't be entitled to have another crack at the whip, having failed the first time??!! If so, how many cracks do they get exactly?? Seriously, I am out of ideas, I am starting to dread the post!

vaderag

I just want to thank all the people in this thread that have posted letters they sent and other associated information. After writing them a letter with a combination of the information above, they have sent me a letter stating that they are no longer going to pursue this with us (it still says that they believe they were right tho!)

So, many thanks!

Scotschik

Well got a reply to my letter today saying that under the data protectyion act they are unable to send details, in order that their fraud department may investigate, they want an official document showing my name date of birth & signature & also a list of my previous addresses since 1996 and prrof that i was staying there!!!!! Aye right!!!! Once they receive all this they will investigate further, they claim to have enclosed a pre paid envelope so i can return the info (none enclosed). What do i do now?

~Chameleon~

Scotschik wrote: »

Well got a reply to my letter today saying that under the data protectyion act they are unable to send details, in order that their fraud department may investigate, they want an official document showing my name date of birth & signature & also a list of my previous addresses since 1996 and prrof that i was staying there!!!!! Aye right!!!! Once they receive all this they will investigate further, they claim to have enclosed a pre paid envelope so i can return the info (none enclosed). What do i do now?

Perhaps you would like to give them a list of your bank details, passwords and PIN numbers too so they can completely steal your ID and falsify documents in your name

I really can't understand why people are even communicating with these fraudsters and charlatans :rolleyes:

markteacher

Hi everybody, new to the forum, and just like to say what an incredibly useful thread this is.

I, like pretty much everyone on here, found the thread after searching Aktiv Kapital having myself received a spurious demand for 1700 pounds.

Here is how my tale goes so far.
27th August receive letter from Call Serve of Whitchurch, requesting 1700 pounds on behalf of Debt Managers - Aktiv Kapital Ltd.

I ignored it for a bit, trying to decide what to do.

10th September, 2nd threatening letter arrives, I find this thread.

13th September, sent off my own letter requesting details of ownership of the debt.

24th September, 3rd threatening letter arrives, no details of the debt are forthcoming.

2nd October, I send off the Consumer Credit Letter enclosing my one pound postal order by recorded delivery, requesting details of the debt, this was signed for by them on 6th October.

No response.

20th October, I sent off the 12+2 letter informing them that as I had not heard from them the account is now in dispute.

Today I have received a letter from Debt Managers Ltd of Edinburgh - the DCA mentioned on the original letter, returning my postal order and informing me that they are 'no longer instructed in the collection of this account.' and 'All further communication should be with Atkiv (sic) Kapital direct.'

So, are they just allowed to ignore my request for information and return my money, and should I continue to pursue the senders of the original letter, Call Serve of Whitchurch with the 12+2+30 letter, as these are the people to whom I sent the original letters, or do you think they will leave me alone now as they clearly have no evidence which supports their claim which would stand up in court. And just how did my one pound postal order get from Whitchurch Bucks to North of the border before coming back to me:rotfl:

Any suggestions from yourselves would be greatly appreciated.

RAS

Send the 12+2+30 day letter which demands

1. They do not sell on the debt.
2, That they remove all reference to you from their files.

to both of them

And keep the letter from Debt manager's in a safe place as you will almost certainly need to send it to the next DCA to whom they sell the debt. ONly you will complain to the OFt and TS as well.