Aktiv Kapital (UK) - Who Are They?

MummyJilly

thank you rog.

they definitely do impose fear on people dont they

I have already sent the 12+2 day letter to them, that was there response. I have also received another letter from them today asking me to call them.

Ukevas

Hi mummy Jilly i got that letter they sent you back in mid december. have not heard anything since.

so dont worry to much

allthough i feel they will be a letter soon. ( for me that is )

or with the imformation from that link someone posted about the state of the company maybe they are getting short on stamps.

Lets have a whip around for them???? lol

rog2

MummyJilly wrote: »

I have already sent the 12+2 day letter and the text I put up was there response. I have also received another letter today asking me to call them again!

Just ignore it - keep the letter in case you need evidence of what is now 'harassment' - and never phone them. :beer:

MummyJilly

rog2 wrote: »

Just ignore it - keep the letter in case you need evidence of what is now 'harassment' - and never phone them. :beer:

Excellent news, I can happily live with that.

If they do send anymore letters do I ignore those too?

Dai_6

I received a letter from Activ Kapital this morning. It offered to clear my account previously held by thames credit for £150 if paid within . The outstanding balance on the account is 4K+. Is this too good to be true

Little_Girl_2

Hello Rog2 and GeorgeUK

I've not heard from Aktiv's solicitors/agents yet. Hopefully they'll disappear forever..

Rog2 wrote:

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

May I know what second letter is that please?

Little_Girl_2

rog2 wrote: »

For those of us unfortunate enough to have had, or are having, dealings with this bunch of reprobates, you may (courtesy of fermi) be interested to know just who you are dealing with:

http://www.credittoday.co.uk/news/news-item.cfm?news=1015#content

Not only have they posted a loss of £40,000,000 - sufficient alone to question their solvency and, by implication, their legal status - but two of their principle directors have resigned in the last two weeks. One of these was the Director of 'trace and compliance' and the other was Director of 'people and development'.

Despite this, AK have, in the last three months, purchased 'debts' with a face value of £65 million. This certainly begs the question as to 'how much of that debt would be, if challenged, unenforceable through the Courts?

A 'new' UK Country Manager - by the name of David Sheridan - is due to take up his post next week, with a brief to 'improve collections performance and implicate more efficient ways to communicate with debtors'.

Looks as though they have no intention of 'bowing out' gracefully. :rolleyes:

It's a mind torture being chased for a debt and it feels even worst when the debt doesn't even belong to you.. I wonder how these people live and act normal when they know fully well how they make so much money making other people miserable..

Hell is on earth while Aktiv is around..

~Chameleon~

MummyJilly wrote: »

Excellent news, I can happily live with that.

If they do send anymore letters do I ignore those too?

Hi MJ,

I find ignoring them completely is the best method of dealing with these scumbags. I started getting letters about a year ago and have never responded to any of them despite threats of sending round agents and taking me to court etc.

Must admit they had me rattled a couple of times and I was starting to get a bit panicky every time someone knocked at the door so I can fully understand how people cave in to the pressure and just pay up to make them go away.

I've not had any letters from them since xmas now though, so fingers crossed they've finally given up! ... or am I tempting fate by posting this :rotfl:

rog2

Dai_6 wrote: »

I received a letter from Activ Kapital this morning. It offered to clear my account previously held by thames credit for £150 if paid within . The outstanding balance on the account is 4K+. Is this too good to be true

Yes, Dai - it IS too good to be true.

If you acknowledge that the 'debt' is yours, then the ONLY offer that you should consider is one that is made as a 'Full and Final Settlement Offer' - Accept NO other wording whatsoever:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

If, on the other hand, you dispute the debt, or any part of it, then you should request a copy of the original consumer credit agreement (cca), which AK must, legally provide you with within 14 working days of receipt of your request - without this, they can not pursue the debt through the Courts:

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

Is this an 'old' debt? If you have not made any payment towards it, or acknowledged it in writing for a period of six years, it may be 'Statute Barred' and unenforceable anyway:

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

rog2

Little_Girl wrote: »

May I know what second letter is that please?

The letter is on post 6 of the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=963087

I'll 'bump' the thread up to the top of the forum for you.