Aktiv Kapital (UK) - Who Are They?

uv_goth

Any thoughts upon my letter?

(My address)

(Their address)

16th January 2008

WITHOUT PREJUDICE

Ref: (account)

You have contacted me regarding the account with the above reference number, which you claim is owed by myself, last year.

I do not believe this account is mine and feel I was unduly harassed into setting up and making payments.

I require proof that I owe this money to you before further payments will be made.

Please send a copy of the original credit agreement, which I shall expect to receive within 28days of receipt of this letter.

I await your reply,

Yours faithfully,

(typed name)

Quick info: they wrote to me, the debt would be at least 8yrs old, I've only had correspondence by phone or they've sent letters

I should have Googled before agreeing any payments with them but I have spoken to CCCS to advised me to write this letter. The orginal agreement will show it is more than 6yrs old so statue barred.

RAS

uv-goth

Please use your own thread, as this is more useful.

rog2

uv_goth wrote: »

I should have Googled before agreeing any payments with them but I have spoken to CCCS to advised me to write this letter. The orginal agreement will show it is more than 6yrs old so statue barred.

Good advice from CCCS. Don't worry about any 'verbal agreement' that you may have made during any telephone conversations with them - acknowledgement of a debt must be in writing.

Providing that a six year 'limitation period' has elapsed, during which you niether made any payment towards the debt, nor acknowledged it in writing, then the debt would have become 'Statute Barred'.

Once a debt becomes 'Statute Barred' it remains 'Statute Barred' - NOTHING, not even payments will alter the status of the 'debt'.

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

PepeLePew_2

After contesting several debts with Aktiv Kapital on behalf of my OH. And unsurprisingly not getting any positive proof of liability in form of a CCA. I am unsatisfied that all the debts have been have been removed from her name.

What I'm really after is removing these unproven debts from her credit file. Can anyone point me to a good standard letter to send to Equifax? And is it reccomended to send all the copies of letters sent to AK (CCA, 12+2, SAR, proof of recorded deliveries; they could make a good ream)

Cheers :beer:

Kev

freqeist1

i have recieved a letter concerning a debt of over 6 years ago they have tried to contact me about it and i have denied it is mine, the fact of the matter is that it may well be mine but is it collectable from their point of view?
shall i just ignore it as some of you say or shall i send the pro forma letter with my £1 as others say, i have no intention of paying it i just want to know what actuall powers they have?

neil.

hannoja

freqeist1 wrote: »

i have recieved a letter concerning a debt of over 6 years ago they have tried to contact me about it and i have denied it is mine, the fact of the matter is that it may well be mine but is it collectable from their point of view?
shall i just ignore it as some of you say or shall i send the pro forma letter with my £1 as others say, i have no intention of paying it i just want to know what actuall powers they have?

neil.

If you're like me, it'll be on your mind till you make it go away. Twice I've used the pro-forma letter, and both times it was successful in making the problem go away, thereby giving me peace of mind.
If you can happily ignore it and not worry about when the next letter is going to land on the mat, then that may work for you. I'd always go for the 'solving' rather than 'ignoring' approach though. Feels waaay better!

Daz123

Hi guys,

Could you please give me some advice?
I also received a letter from Aktiv Kapital two days ago.
I Googled the name and came across this site.
I have read through the threads on this sit, and noticed that other people who have had a letter from Aktiv Kapital, have been told how much they owe, but my letter does not say.

This is what the letter says.

Dear Sir.

RE Agreement Number 123xxxxxxxxxxxxx

We have been attempting to contact you at a previous address held, however we have been unsuccessful.

We have accessed public information in order to ascertain your current address, (as shown on this letter) and believe that it is your correct current address.

It is important that you now telephone us on the number shown at the top of this letter, as we hold the above agreement at the address shown, and we need to explain this in detail to you.

If you believe this is not your account then please telephone within 21 days on 0800 xxx xxxx to avoid this account being registered against your name at the Credit Bureaux.

We look forward to hearing from you.
Yours faithfully

The letter does not say the address that they were trying to contact me at, it only says, my name and the address I am at now.
I did have money problems in the 90s, and I have moved a few times since then.
As you can see, there is no mention in the letter that I owe any money, or to whom I owe money.

Can you please help me?

Any advice would be greatly appreciated.

Ukevas

1. dont worry to much. This is just the first standard letter that they send.

Lets call it the fishing letter.

2. you can send off asking for the cca or if you are sure all your debts belong in the 90's send them the stat bared letter.

Daz123

Hi Ukevas

Thank you for your Quick reply.

You’re probably right about asking for the cca, then at least I will know what it is for.
Stat barred probably would not work for me, as I think I have a ccj against it, if it is what I think it is.

Thank you.

blade771

I have received a letter this morning from AK UK Ltd which is exactly the same as that shown as DAZ123 above. I have read all the posts with interest however am a little concerned with the wording found in the Statute Barred letter which implies that the debt is actually mine i.e. "The last payment of this debt was made over six years ago and no further written acknowledgement or payment has been made since that time. "

With the content of the AK letter, I have absolutely no knowlegde as to what the debt is nor when or who it was incurred by and do not wish to imply, in any way, that I may be responsible for it.

Any advice please. Many thanks.