Aktiv Kapital (UK) - Who Are They?

hannoja

ollie1990 wrote: »

Hi,

I have just recieved a letter from Aktiv Kapital today saying that I owe a debt of £600.00

I am concerned as I know I do not have any debts etc, and am wondering why I have been sent this letter.

Does anyone have any advice on this and what to do- I don't want to ignore it and it turns out to be something that I need to pay for, even though I know I dont have any debts.

Any help would be appreciated!

Hi Ollie, welcome to MSE! :hello:

I know this thread is getting long, but it's worth it. Start with the first page, which has a standard letter to send to these so-and-so's, and if that doesn't help, carry on reading. I don't mean to sound patronising, but I feel you've posted in panic, which is natural (I've done it myself), and perhaps haven't read the wealth of information available here first.

I found this thread, and used the letter supplied for an alleged debt my OH had, and we haven't heard from that company (Mackenzie Hall) for months, after they said they'd put the account on hold and close it after 28 days if they hadn't got the 'relevant proof from our client'. Try it

Of course, if you peruse this thread and still have questions, ask away and I'm sure one of our more experienced posters will jump in to help.

RAS

ollie1990 wrote: »

Hi,

I have just recieved a letter from Aktiv Kapital today saying that I owe a debt of £600.00

I am concerned as I know I do not have any debts etc, and am wondering why I have been sent this letter.

Does anyone have any advice on this and what to do- I don't want to ignore it and it turns out to be something that I need to pay for, even though I know I dont have any debts.

Any help would be appreciated!

Hi AK are as likely to have sent out a letter to everyone with the same name as to have sent a letter relating to a debt you really owe. They do is in an attmept to panic the person who does owe the debt into contacting them. Unfortunately some Cas are not particulalry discriminateing and will accept payments for debts from people who do not even owe them.

So do not contact them until they specify what the debt is about. Then come back here.

hannoja

Posted a letter (using 'pro forma' on front page) to AK on Tues. 16/12/08, first class recorded (probably not worth bothering, but might help) and enclosing a £1 postal order.

The woman at the P.O. stared quizzically at my envelope and asked for help spelling who I wanted to p/order made out to. I reassured her that it wasn't my dodgy spelling, but AK's.. made me laugh, since even the way they spell their name looks dodgy (unfortunately, my humour doesn't work too well when using a translator. Still, they're operating here so... raspberries to them!).

I just found this link. I only read a bit, but made me think that 'chancing your arm' is quite a lucrative business... :rolleyes:
At a glance, their site looks irritatingly 'clean' and professional :mad:
There are a couple of pictures on their 'about' page, which could be used to decorate dart boards :rotfl:

roly_33

Hi,

Due to several problems - long story a few years ago - I had alot of credit card debt - it seems these AK peeps have now bought my debt - I have recieved 2 letters from them about 2 seperate accounts - I have sent the template statue barred letter in the hope that would get them to back off - but on the first account (£5000+) they claim I have made a payment back in 2005 via CCS for £50 not that i remember that - or even remember if I owed any cc company 5k - not yet recieved a response to 2nd Statute Barred letter I sent for other account -

I have had a read of this long thread and it seems really helpful - so was just seeking advise on what I should do next - do I send the letter with postal order?

My partner and I are very concerned that we cannot afford to make ends meet without being forced to pay back 5k.

Help appreciated...

~Chameleon~

hannoja wrote: »

I just found this link. I only read a bit, but made me think that 'chancing your arm' is quite a lucrative business... :rolleyes:
At a glance, their site looks irritatingly 'clean' and professional :mad:
There are a couple of pictures on their 'about' page, which could be used to decorate dart boards :rotfl:

You missed the most relevant page concerning their Debt Collection Services and this paragraph in particular makes it abundantly clear what their aims are!

"Typically, payment plans or refinancing initiatives are not offered to the individual customers. Our goal is to always attempt to recover the entire outstanding debt on behalf of our clients. To achieve this we call upon our highly experienced staff that appreciate how best to secure outstanding payments. We talk the individual customer through options available, helping them to decide on the best course of payment."

GeorgeUK

Hi roly.

Can you get confirmation from somewhere that you made the £50 payment that they claim has been made? Either from the bank or CCS (CCCS?)

If you do send the letter requesting a copy of the CCA, make sure it states at the top "I do not acknowledge any debt to your company". That way if the 2005 payment date is correct, the statute barred clock will only have another 3 years to run instead of 6.

sallielou

First of all i'd like to say a big thanks to everyone who has posted on this forum as I have just sat and read all 30 pages! I have received 2 letters both dated 9/12/8 but delivered 2 weeks apart and both identical. They state an agreement number for GE Capital Global Finance Ltd and the following.

We write to advise you that Aktiv Kapital First Investment Ltd has bought the interest of Ge Capital Global Finance Ltd in the debt that you owe them under the above Agreement.
We are acting as collection Agent on behalf of Aktiv Capital First Investment Ltd which is now the legal owner of then outstanding balance on your account.
Our records show the total balance outstanding, inclusive of all accrued interest, amounts to £209.53
You should not send any further payments to GE Capital and if you have a direct debit or Standing Order in favour of GE Capital that should be cancelled.
All future payments should be sent to this company at the address shown. If for any reason you are unable to pay the full balance immediately you should contact us as soon as possible to discuss payment arrangements. We look forward to receiving your payment, if you wish to speak to us our telephone number is clearly shown on this letter.

Unfortunately for them the name on the letter was a name that i have not used since 1999. I rang the debthelpline as i believed that any debt in this name would be statue barred and they advised me to phone the company to determine the exact nature of the debt as i had no idea whether it was legitimate or not. ( I moved house 7 years ago leaving an abusive relationship so left with nothing not even my passport let alone copies of any accounts statements etc lol however i have always been on the electroal roll and am duly paying of 2 valid debts that did follow me at the time)

When i ran AK ( big mistake should have read the forum first) i gave them only their own reference number, they then asked me if i was Mrs Harrison? not my name or my former name. They checked the ref again and asked if i had ever lived at Y address which was a previous address of mine where i lived under the previous name i said yes 10 years ago but i am not acknowledging any debt only trying to evalute what details they had. They then said the debt was for a Dorothy Perkins account that defaulted for £129 in 1999 the rest of the debt was accrued interest and charges. I told them again that i was not acknowledging the debt however if the date of default was 1999 then it would be statue barred anyway. The gentleman then became very agitated. He said quote " oh no you can't have it both ways, if you don't acknowledge the debt thats one thing but you can't say it is statute barred if you do not acknowledge it. You may not have a legal obligation to repay this debt however you most certainly have a moral one which is why we have written to you" I politely told him that as my morals were none of his business and as Aktive Capita obviously have no morals if they are chasing debts illegally then i was terminating the conversation and he would hear from me in writing with an official letter saying that i had no obligation to pay this debt which i do not acknowledge at which point he slammed the phone down on me.

After googling AK i found this site which has proved really helpful - I have printed of the Statute barred letter which will be going recorded delivery on monday minus signature. I'd be really grateful for any comments/suggestions and will keep posting as to any response

Once again thank you so much for all the valuable information i feel much braver for reading it :-)

princesspop

GeorgeUK wrote: »

Debrag - not sure about how the Christmas period affects the 12+2 countdown, but it is no longer a criminal offence if they do not comply.

Apologies if this seems a bit of a dense question, but does this mean that they no longer have a given time period to send out the required info?? Reason for asking is that I wrote to them for proof of an alleged debt, and they never sent within the 12+2+20 or 30 days whatever it is, and they just keep sending various things like obscure screen shots that I cannot make out when I write back. I want to have my facts straight before I advise them I'm taking it further.

Ukevas

no they still have the time limit's but you just might have to add now office days to the 12+2 or 12+2+30 ETC.. but as you have allready done this then dont worry about it.

im sure 95% of there debt they have on the books is just chances debt. as all they seem to do is give people the run around.

w1ldrover

Alleged Debt Aktiv Kapital were chasing: £786.24
Well what a find this forum is! After years of hassle from Aktiv Kapital I decided to google them and of course was directed here - my suspicions confirmed. I immediately sent the letter asking for copies of original agreement I had signed which they replied to within a week saying that because of the age of the debt they could not get hold of a copy (pre 2000) and they said if I still considered the debt was nothing to do with me I should send proof of ID and proof of address going back to 1994. I was preparing to send the '6 year' letter if needs be, but initially wrote back saying that as they were unable to comply with my request, which they were legally obliged to do, they must inform me by return that this alleged debt has been removed from their files. I also informed them that they would not be getting any of the items they had requested from me. They replied to say that 'We do not believe that we fall within the definition of a creditor contained within Section 189 of the Consumer Credit Act 1974. This is because the Act defines a creditor as the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law.' They went on to say how they had only purchased the right to recover the outstanding balance due under the agreement, but did not purchase the duties under the agreement.
They then explained that they did wish to provide the information I required and so they approached the original creditor who were unable to supply the relevant documents. They conclude the letter by saying 'Unfortunately, in this case, the original creditor has been unable to provide us with the information that you requested and as such we now inform you that we will cease all furthe collections relating to this matter.

RESULT!! Thank you for this thread!!!!