Aktiv Kapital (UK) - Who Are They?

RAS

Even if you came back to the UK, the debt is almost certainly statute barred (only possblity is a CCJ) and then they need court permission to pursue a CCJ after all this time.

FenixPunk

Hi Ras...what is a CCJ ?????
Dont worry friend i wont be going back to the uk in a hurry. I've built a new life here with me and my daughter....that letter today was a blast from the past.

yours
Fenix

RAS

County Court Judgement - tell you to pay up. But as I said, cannot be enforced outside the Uk and the DCa has to get court permission to enforce it after enough time passes.

FenixPunk

Thanks friend....so i take it i'll be ok then? its taken me a long time to sort myself out getting off certain narcotics. i just hope the good life i have with my daughter will carry on and the past wont come back to haunt me.
Have you had trouble with this so called company yourself????

Fenix

GeorgeUK

Little_Girl, it's usually best to keep those letters seperate if you don't know what the debt they are referring to is for. Sometimes they seem to just pick a name out the phone book and say pay up. One letter was saying "prove it" - that you don't know what the debt is for and require proof that the debt is yours. The other is requesting a copy of the credit agreement and they can only send this to the person that the debt belongs to. No real harm in mixing the two but they're easily confused and may pursue you for a debt that isn't even yours more than usual. They still need to prove that you owe the debt though.

Cally, there are no template letters for making complaints like this. I'm afraid you will just need to wing it. Tell them the situation, what you have informed them and they you, then what you uderstand your rights to be and that they are still contacting you.

cally6008

ok, thanks for that george

Little_Girl_2

GeorgeUK wrote: »

Little_Girl, it's usually best to keep those letters seperate if you don't know what the debt they are referring to is for. Sometimes they seem to just pick a name out the phone book and say pay up. One letter was saying "prove it" - that you don't know what the debt is for and require proof that the debt is yours. The other is requesting a copy of the credit agreement and they can only send this to the person that the debt belongs to. No real harm in mixing the two but they're easily confused and may pursue you for a debt that isn't even yours more than usual. They still need to prove that you owe the debt though..

Opps.. I've already sent it today.. recorded delivery without my signature and with the 1pound PO.. uh ohh! now you know why I call myself Little Girl.. always confused and needs guidance..

Well I've done it now.. so.. I guez I'll just have to wait until they reply.. if ever they reply.. Out of interest, I wonder how much PO these guys have received by now.. I bet all the PO's can make their company afford PA's for the PA's.. what a crazy world...

Thanks again.. hugs..

elaina79

We have been getting letters from Aktiv Kapital for a while now but I have chosen to ignore them so far. They are both for my husband and the original company is GE Tricity Finance or something like that.
He has no idea what these debts could be but the amounts are £600 for one and over £2000 for the other and that can't be anything since I have know him (8 years).

What is the best letter to send, the "prove it" letter or the statue barred letter. He has a fairly common name and I'm concerned that they have just picked him at random.

As I say he has no idea what this could be.

GeorgeUK

If he doesn't know what the debts are for i would send the "prove it" letter. There is always the chance that even if it isn't yours the real owner has made payments in the last 6 years so they will think they are quite right to continue to pester you if you say it is statute barred.

rog2

Little_Girl wrote: »

Opps.. I've already sent it today.. recorded delivery without my signature and with the 1pound PO.. uh ohh! now you know why I call myself Little Girl.. always confused and needs guidance..

No problem, L_G - just don't send them anything else until they reply (if they reply) to your cca request. After 12 working days, from receipt of your request, they will be 'in-default' anyway if they don't comply with your request. At that stage there is a second letter that you can send, but they will be unable to enforce the debt without permission from the courts.