Aktiv Kapital (UK) - Who Are They?

welshsue

Is there something funny going on here or is it just down the the credit crunch?. I have just had a letter from Aktiv Kapital asking for repayment of £1228.55 owed to GE capital (Tricity Finance). The only thing I can think of is a suite of furniture we purchased in approx 1995 which was being paid through Tricity Finance. There is no way that after 13yrs we still owe that money.
What is the best thing to do. Can they chase after so long?

bestyman

welshsue wrote: »

Is there something funny going on here or is it just down the the credit crunch?. I have just had a letter from Aktiv Kapital asking for repayment of £1228.55 owed to GE capital (Tricity Finance). The only thing I can think of is a suite of furniture we purchased in approx 1995 which was being paid through Tricity Finance. There is no way that after 13yrs we still owe that money.
What is the best thing to do. Can they chase after so long?

In a word No, they cannot chase you after so long .
Have a good read of this thread and also read the link below which includes a template letter to send .
http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

~Chameleon~

Aktiv Capital are nothing more than bullies who appear to have bought up an old debtors list (with some dubious claims on it too by the sounds of it) and are preying on people's naivety and ignorance of the law, as well as the fear of dealing with courts/bailiffs etc, to extract money from them.

In reality they will NEVER USE A COURT OR BAILIFF no matter how many times they threaten it with their numerous letters. It's all part of their bullying tactics.

Don't let them bully you and most importantly, don't hand over a penny to them unless of course you happen to be one of the small minority who do appear to have a legitimate debt with them and you can see this debt actually exists on your credit files.

If that is the case, then follow the excellent advice in this thread regarding using the template letters etc, otherwise just ignore them!

~Chameleon~

welshsue wrote: »

Is there something funny going on here or is it just down the the credit crunch?. I have just had a letter from Aktiv Kapital asking for repayment of £1228.55 owed to GE capital (Tricity Finance). The only thing I can think of is a suite of furniture we purchased in approx 1995 which was being paid through Tricity Finance. There is no way that after 13yrs we still owe that money.
What is the best thing to do. Can they chase after so long?

I would just ignore them. If you make contact as suggested then you are acknowledging to them you have received their letter and giving them positive proof of your current whereabouts so they will continue to harass you even more.

They don't have a leg to stand on after all this time and I doubt very much they could even prove you owe this momeny, assuming you even do.

They're very clever though because they stand to earn £1000's from this if every person on their list sends them a £1 PO asking for proof of CCA. Great profit-making business, why didn't I think of it :rotfl:

JLaw_2

princesspop wrote: »

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.

altaf_2

After my last post a couple of months back i now have been sent many letters week after week. Ignoring all of them. The supposed debt they are chasing me for is £2828. Can anyone top that. Well they have said that as i have been ignoring requests for settlement they will call on Aylesbury county court for the debt. Should i keep ignoring the letters or do otherwise. We know that they are a bunch of jokers who are running a scam. Has anyone else been issued with a county court judgment on a amount which they haven't proven.

Thanks. Any advice on what to do next would be great

~Chameleon~

altaf wrote: »

After my last post a couple of months back i now have been sent many letters week after week. Ignoring all of them. The supposed debt they are chasing me for is £2828. Can anyone top that. Well they have said that as i have been ignoring requests for settlement they will call on Aylesbury county court for the debt. Should i keep ignoring the letters or do otherwise. We know that they are a bunch of jokers who are running a scam. Has anyone else been issued with a county court judgment on a amount which they haven't proven.

Thanks. Any advice on what to do next would be great

They threatened me with court too and I've had several of the 'pay within the next 7 days to prevent further action' type letters over the last few months, and still no court papers have arrived!

It's all empty threats as far as I'm concerned so keep on ignoring them. I'll be the first to shout up if they actually do take any action

I'd also be interested to know whether anyone else has been issued a court summons or had a visit from their 'collecting agents' too

altaf_2

Thanks Chameleon, your advice much appreciated. Now i intend to ignore them even still even though their threats have become more "real". I have until 2nd Jan to pay up or else. These bullies have to surely prove the debt exists don't they before any court action can go ahead. I think they think we are all stupid. So what should we all do if the following situations arise:

1. Demand for payment is asked for?
2. letters week after week arrive, should anyone write them a letter to prove the debt
3. Doorstop agents arrive
4. county court judgment is threatened or court papers arrive on doorstep

thanks

tiff8080

Hi everyone, please can you help! I have only ever bought one thing on HP before and that was in 2001 and I made the last payment in late 2001. But I know at the time I had problems because they said I hadn't paid the full amount, which I know I had (I paid cash). The shop assistant tried to sort it out for me and suggested that the wrong account number may have been entered when I paid, therefore, not showing on my account. The original creditors said that if a payment is made under a wrong account number, it goes into a bit 'pot' and you have to prove you made the payment. Only thing is, I paid with cash and thinking everything was fine I didn't keep my reciepts.
I had a letter today from AK which was forwarded to my new address. It said they had tried to contact me at a previous address and had to use the electrol role to track me down, they said they believed this to be my new address and asked me to contact them within 21 days to confirm that I was the person they were looking for. They didn't say how much the debt was, but they did provide an account number at the top of the letter. They said they would put a mark on my credit report too. Should I ignore the letter as I have moved again or what....help, I can't sleep because of this.

GeorgeUK

Hi Tiff

If the last payment was in 2001, then the debt is now statute barred anyway so they cannot force you to pay. I would suggest sending this letter (choose either the Scottish or English version) and also amend it to state that you had paid this debt in full in 2001 and they should refer the matter back to the original company as their records are obviously incorrect.
http://forums.moneysavingexpert.com/showpost.html?p=11571227&postcount=4

JLaw - If you sent a CCA request, they are still required to provide it within 12+2 working days. After this time the debt is unenforcable, until they can produce a copy of the CCA. If you send a request with the £1 fee, then the debt is unenforcable and you should send one of the 12+2 day letters to them (or a combination). You are not longer required to make payments towards that debt as it is unenforcable.

Altaf - ignoring letters is not the correct way to handle this. Even if it is fools you are dealing with. You should write to them requesting a copy of the CCA if applicable and once they are unable to produce it, then you have the law on your side. If you just ignore it and it goes to court, if you do not attend court or show that the company has failed to supply you with any required data or documentation, then it is not impossible for the courts to find in their favour.