Aktiv Kapital (UK) - Who Are They?

WEEGIE

10past6 wrote: »

Sadly, no :mad:

You could send the following letter:

Dear Sir/Madam

Account no:

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

I would point out that I have no knowledge of any such debt being owed to (insert company name).

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed.

Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.
I look forward to your reply.

Yours faithfully

Can I just add to the post of 10past6, do not sign your letter, as these companies have a habit of forging your signature.

smile21_2

Hi not sure if someone has already asked this, but i'm stressed and can't read though everything properly!

I had a letter a few months back from Response Credit Management on behalf of Akitiv Kapital. It was sent to my parents address and they didn't even get the second initial right, thats why my mum opened it!
I panicked and rang them and told them it was not me or her. They apologised and said the debt was from a store card bill in 1999. I rang from my mobile and withheld my number. I thought that would be the end of it. Any way on Friday an answer machine message is left on their house phone with a reference number and contact for a Ms ********* to ring them. It was from the same company again. What do I do? This isn't my debt! I'm getting stressed by it now as anything to do with money worries me. What letter should i send to them, as now i have read the messages here I was a bit daft to ring them, but I thought it was sorted. As you can imagine, my parents don't need this stress either!

10past6

Smile

Don't phone them, keep everything in writing, the onus is on THEM to prove the debt, in the meantime, send them the following letter by recorded delivery:

Dear Sir/Madam

Account no:

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

I would point out that I have no knowledge of any such debt being owed to (insert company name).

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed.

Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.
I look forward to your reply.

Yours faithfully

smile21_2

Thankyou for the quick response, I'll get that printed off now and posted by recorded delivery tomorrow. I won't sign it, i'll print my name. Do I need to put that I have rang them a couple of months ago and that i'm contacting them by letter as they have rang my parents house? or do I just leave it?

10past6

smile21 wrote: »

Do I need to put that I have rang them a couple of months ago and that i'm contacting them by letter as they have rang my parents house? or do I just leave it?

You can inform them you've requested telephone details be removed, also include this letter:

Dear Sirs

Harassment by telephone

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

I request confirmation that my telephone details have beem removed from your databases.

Yours faithfully,

I would highlight the following within the first template letter:

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment

smile21_2

Thanks for your reply I feel far calmer now and my hands are not shaking as much!

Hopefully that will be the end of it... fingers crossed!

10past6

smile21 wrote: »

Hopefully that will be the end of it... fingers crossed!

If they continue, come back and post

WarrenNI

Hi folks

I've read through the heaps of useful advice in thread re Aktiv Kaptial, so thank you very much for the help.

I have one question. I've received a letter from Buchanan Clark + Wells acting on behalf of pursuers Aktiv Kapital. I've seen the letter templates on previous posts but I'm unsure exactly who I should post them to. Should it be Aktiv Kapital, Buchanan Clark or both of them?

Thanks

Warren

GeorgeUK

You should post the letters to whoever is actively pursuing you for payment.

~Chameleon~

After a 6mth silence from AK I am now receiving more letters!!! :rolleyes:

Looks like they have changed tactics as well as the layout and content of their letters to appear more 'professional' :rotfl:

They are now offering me a 'substantial reduction' in exchange for a one off payment to them as they are concerned at my complete lack of contact with them! *sniggers*

Off to the shredder we go .....