Page 1 of 2 12 LastLast
Results 1 to 25 of 34

Thread: Aktiv Kapital

  1. #1
    Join Date
    Jul 2012
    Posts
    141
    Thanks (Given)
    113
    Thanks (Received)
    218

    Default Aktiv Kapital

    Hi All,
    My Partner recieved a "you owe - pay now" letter from Aktiv Kapital a few weeks ago, and ignored it as it didn't say what the debt was for or give any information other than "pay up or else yada yada". We have recently recieved another letter again with no information other than they were now offering a F & F of £77 on a £385 "debt" if paid by 22/02/13, we had just ignored this one too, but it's been niggling as to where this "debt" originated. The amount is the same as the one MMF were chasing which was allegedly for a PayDay loan (my Partner has never taken out a PayDay loan - hence why we ignored MMF), but have heard nothing from them since before Xmas - could they have passed it on to AK as they got no joy? I guess the next step would be a "prove it" letter?

    Thanks,

    Kit
    Attached Files Attached Files
    One life - Live it!

  2. #2
    Join Date
    Nov 2012
    Posts
    5,322
    Thanks (Given)
    16319
    Thanks (Received)
    8566

    Default Re: Aktiv Kapital

    If you are not sure what the debt is for, then you should send a prove it letter. Do not ring them and most certainly don't believe their discount offers. A few years ago I also fell for that old trick with Aktive Crapital who offered to settle a small debt for less than half, I rang them with my debit card, next thing you know I started getting letters demanding the rest. I ignored them and they stopped, but I wouldn't recommend this course of action at all!

    Financial Institutions gambled and caused global economic meltdown, then they were bailed out with our tax money. We consumers are still expected to pay the debts we incurred as a result of their actions. It's time to fight back.


    I don't give advice, just offer guidance and useful resources




  3. #3
    Join Date
    Aug 2011
    Posts
    8,926
    Thanks (Given)
    13802
    Thanks (Received)
    10431

    Default Re: Aktiv Kapital

    PROVE IT LETTER
    Dear Sir,


    Your Ref: abcd1234


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


    We would point out that we have no knowledge of any such debt being owed to [insert name of company].


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


    We 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.


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


    We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.


    We look forward to your reply.


    Yours faithfully,
    Last edited by labman; 1st March 2013 at 15:44:PM.

  4. #4
    Join Date
    May 2011
    Posts
    9,115
    Thanks (Given)
    27749
    Thanks (Received)
    10160

    Default Re: Aktiv Kapital

    I see that the Krooks at Aktiv Krapital have threatened to sent round someone to collect your doorstep.

    Unless it is unusually rare and valuable, they won't bother removing it.
    I am not a lawyer, nor do I pretend to be a lawyer.

    For sensible legal advice http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law

    For FREE legal representation, go to the National Probono Centre

  5. #5
    Join Date
    Jun 2010
    Posts
    2,366
    Thanks (Given)
    4835
    Thanks (Received)
    3085

    Default Re: Aktiv Kapital

    Quote Originally Posted by CleverClogs View Post
    I see that the Krooks at Aktiv Krapital have threatened to sent round someone to collect your doorstep.

    Unless it is unusually rare and valuable, they won't bother removing it.
    In fact if they did send a doorstep collector, he would be done for criminal damage as soon as he used a pickaxe to attempt to remove it. A doorstep visit is rare, as if one did turn up whilst matter is under dispute, a phone call to the police reporting a bogus official, giving the desctiption of the "collector", and any vehicle they are in will ruin their day. in fact it should pour grunge upon their splod in spades.

  6. #6
    Join Date
    Aug 2011
    Posts
    8,926
    Thanks (Given)
    13802
    Thanks (Received)
    10431

    Default Re: Aktiv Kapital

    Quote Originally Posted by CleverClogs View Post
    I see that the Krooks at Aktiv Krapital have threatened to sent round someone to collect your doorstep.

    Unless it is unusually rare and valuable, they won't bother removing it.
    Though bailiffs did once levy on a door mat!

  7. #7
    Join Date
    Jun 2010
    Posts
    2,366
    Thanks (Given)
    4835
    Thanks (Received)
    3085

    Default Re: Aktiv Kapital

    Quote Originally Posted by labman View Post
    Though bailiffs did once levy on a door mat!
    And got their cordwangle stomped on for it

  8. #8
    Join Date
    May 2011
    Posts
    9,115
    Thanks (Given)
    27749
    Thanks (Received)
    10160

    Default Re: Aktiv Kapital

    Quote Originally Posted by labman View Post
    Though bailiffs did once levy on a door mat!
    Quote Originally Posted by bizzybob View Post
    And got their cordwangle stomped on for it
    As did Slough Borough Council, for it was they who were involved... link
    I am not a lawyer, nor do I pretend to be a lawyer.

    For sensible legal advice http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law

    For FREE legal representation, go to the National Probono Centre

  9. #9
    Join Date
    Jun 2010
    Posts
    2,366
    Thanks (Given)
    4835
    Thanks (Received)
    3085

    Default Re: Aktiv Kapital

    Quote Originally Posted by CleverClogs View Post
    As did Slough Borough Council, for it was they who were involved... link
    The report gave Slough Council a good slap, what bailiffs were they using I wonder, that would be such greedy slurpers, of the moolah?

  10. #10
    Join Date
    Aug 2008
    Posts
    1,231
    Thanks (Given)
    279
    Thanks (Received)
    1215

    Default Re: Aktiv Kapital

    When Aktiv offer an unsolicited settlement figure of £77 on a £385 debt then that speaks volumes.

    They are not sure they have the right person, or the debt is statute barred, or it is made mostly up of charges, or it has previously proved to be unenforceable, or something else seriously amiss with it.

    Prove it letter or ignore. Your call.

    What is not in doubt is that letter smacks of desperation.

  11. #11
    Join Date
    Jun 2010
    Posts
    2,366
    Thanks (Given)
    4835
    Thanks (Received)
    3085

    Default Re: Aktiv Kapital

    It most certainly has the tone of "we don't know if you owe anything, or even if you are the right person, but cough up anyway"

  12. #12
    Join Date
    May 2011
    Posts
    9,115
    Thanks (Given)
    27749
    Thanks (Received)
    10160

    Default Re: Aktiv Kapital

    Quote Originally Posted by bizzybob View Post
    It most certainly has the tone of "we don't know if you owe anything, or even if you are the right person, but cough up anyway"
    Yes, it does.

    Report them to Trading Standards.
    I am not a lawyer, nor do I pretend to be a lawyer.

    For sensible legal advice http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law

    For FREE legal representation, go to the National Probono Centre

  13. #13
    Join Date
    Jan 2012
    Posts
    9,417
    Thanks (Given)
    2321
    Thanks (Received)
    11570

    Default Re: Aktiv Kapital

    Quote Originally Posted by bizzybob View Post
    It most certainly has the tone of "we don't know if you owe anything, or even if you are the right person, but cough up anyway"
    Which makes sending them a "Sod Off" letter all the more pleasurable.
    Life is a journey on which we all travel, sometimes together, but never alone.

  14. #14
    Join Date
    Jul 2012
    Posts
    141
    Thanks (Given)
    113
    Thanks (Received)
    218

    Default Re: Aktiv Kapital

    Thank you for the replies ... have one slight problem though, on the Prove It letter, it says
    We would point out that we have no knowledge of any such debt being owed to [insert name of company].
    - but we have no idea who we allegedly owe the debt to as the letter doesn't give a name, any idea's what I can put in place of a company name?

    Oh and they can't take my doorstep - we don't have one, we live on the 8th floor lol!

    Thanks ,

    Kit

    PS ... Think we should be worried by the fact that they can't even spell Active Capital correctly? lol
    One life - Live it!

  15. #15
    Join Date
    Jun 2010
    Posts
    2,366
    Thanks (Given)
    4835
    Thanks (Received)
    3085

    Default Re: Aktiv Kapital

    Quote Originally Posted by Kitiara View Post
    Thank you for the replies ... have one slight problem though, on the Prove It letter, it says - but we have no idea who we allegedly owe the debt to as the letter doesn't give a name, any idea's what I can put in place of a company name?

    Oh and they can't take my doorstep - we don't have one, we live on the 8th floor lol!

    Thanks ,

    Kit

    PS ... Think we should be worried by the fact that they can't even spell Active Capital correctly? lol
    "We would point out that we have no knowledge of any such debt being owed to "Any finance company, financial institution, credit provider utility, telecommunications company mobile or landline" That should do the trick

    As you are on the 8th floor, they might not even get to your door, so in the words of JC Denton the character you play in Deus Ex: " What A Shame"

  16. #16
    Join Date
    Aug 2008
    Posts
    1,231
    Thanks (Given)
    279
    Thanks (Received)
    1215

    Default Re: Aktiv Kapital

    Or something like....

    We would point out that we have no knowledge of any such debt being owed to Aktiv Kapital or any company that you may claim to represent.

    Although most of the time I would just cut that short at Aktiv Kaptial.

    Just write whatever makes most sense to you.

  17. #17
    Join Date
    May 2011
    Posts
    9,115
    Thanks (Given)
    27749
    Thanks (Received)
    10160

    Default Re: Aktiv Kapital

    Quote Originally Posted by Kitiara View Post
    Thank you for the replies ... have one slight problem though, on the Prove It letter, it says - but we have no idea who we allegedly owe the debt to as the letter doesn't give a name, any idea's what I can put in place of a company name?
    "Anyone"

    Think we should be worried by the fact that they can't even spell Active Capital correctly?
    No.

    Those drittsekker were originally Norwegian.
    I am not a lawyer, nor do I pretend to be a lawyer.

    For sensible legal advice http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law

    For FREE legal representation, go to the National Probono Centre

  18. #18
    Join Date
    Aug 2011
    Posts
    8,926
    Thanks (Given)
    13802
    Thanks (Received)
    10431

    Default Re: Aktiv Kapital

    put in AK as the company.

  19. #19
    Join Date
    Jun 2008
    Posts
    609
    Thanks (Given)
    186
    Thanks (Received)
    662

    Default Re: Aktiv Kapital

    Morning all,

    I thought 'Aktiv Kapital' had ceased trading? Any ideas anyone?

    Best wishes

    Dougal
    NEWS :HSBC Charges : An Application for a fresh Hearing has now been made due to '3 Serious Procedural errors' (on the Part of the Judge at the COA in July 2013) - watch this space - Hearing date for late 2014 to follow!

  20. #20
    Join Date
    Apr 2009
    Posts
    2,074
    Thanks (Given)
    5283
    Thanks (Received)
    1060

    Default Re: Aktiv Kapital

    No they are still around Dougall, I know I am fighting them under their sols chivers easton & brown, steve glassborrow is the legal / complaince officer.

  21. #21
    Join Date
    May 2011
    Posts
    9,115
    Thanks (Given)
    27749
    Thanks (Received)
    10160

    Default Re: Aktiv Kapital

    Quote Originally Posted by Dougal16T View Post
    I thought 'Aktiv Kapital' had ceased trading?
    Alas not.

    Any ideas anyone?
    Look here - link
    I am not a lawyer, nor do I pretend to be a lawyer.

    For sensible legal advice http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law

    For FREE legal representation, go to the National Probono Centre

  22. #22
    Join Date
    Nov 2012
    Posts
    5,322
    Thanks (Given)
    16319
    Thanks (Received)
    8566

    Default Re: Aktiv Kapital

    They still show up as live on Companies House: http://wck2.companieshouse.gov.uk//compdetails

    ...and their accounts don't look too shabby either: http://companycheck.co.uk/company/04267803#accounts-tab

    Financial Institutions gambled and caused global economic meltdown, then they were bailed out with our tax money. We consumers are still expected to pay the debts we incurred as a result of their actions. It's time to fight back.


    I don't give advice, just offer guidance and useful resources




  23. #23
    Join Date
    Jan 2013
    Posts
    84
    Thanks (Given)
    3
    Thanks (Received)
    172

    Default Re: Aktiv Kapital

    They're still around. They're still chasing me for an alleged debt that they/Thames Credit confirmed in writing that they have no agreement for, yet continue to add interest to nearly six years later!

  24. #24
    Join Date
    Nov 2012
    Posts
    5,322
    Thanks (Given)
    16319
    Thanks (Received)
    8566

    Default Re: Aktiv Kapital

    Quote Originally Posted by CD36 View Post
    They're still around. They're still chasing me for an alleged debt that they/Thames Credit confirmed in writing that they have no agreement for, yet continue to add interest to nearly six years later!
    if they haven't got an agreement, they could never recover it through the courts, so any interest would be academic. If you haven't paid in six years, it will soon be Statute Barred!

    Financial Institutions gambled and caused global economic meltdown, then they were bailed out with our tax money. We consumers are still expected to pay the debts we incurred as a result of their actions. It's time to fight back.


    I don't give advice, just offer guidance and useful resources




  25. #25
    Join Date
    Jan 2013
    Posts
    84
    Thanks (Given)
    3
    Thanks (Received)
    172

    Default Re: Aktiv Kapital

    I know, it's getting close!

Page 1 of 2 12 LastLast

Similar Threads

  1. Caught by Aktiv Kapital
    By jdr72 in forum Aktiv Kapital (UK) Ltd
    Replies: 6
    : 9th September 2011, 11:29:AM
  2. Aktiv Kapital
    By mudslinger in forum Aktiv Kapital (UK) Ltd
    Replies: 5
    : 21st February 2011, 14:57:PM
  3. Letter from Aktiv Kapital
    By nikki2909 in forum Debt Collection Agencies
    Replies: 3
    : 25th August 2010, 12:13:PM
  4. Manningham Vs Aktiv Kapital
    By Manningham in forum Aktiv Kapital (UK) Ltd
    Replies: 5
    : 22nd September 2009, 07:55:AM
  5. Manningham Vs Aktiv Kapital
    By Manningham in forum Welcome Forum
    Replies: 1
    : 21st September 2009, 23:22:PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  


LegalBEAGLES.info
LegalBEAGLES.co.uk
LegalBEAGLES.org
LegalBEAGLES.net
LegalBEAGLES.uk
Celame.co.uk
Contact Us



© Celame LLP 2013
Hosted by Lodge Information Services Ltd
LegalBEAGLES® are DPA Registered No. ZA025462
LegalBEAGLES® is the trading name of Celame LLP (registered in England and Wales OC389148).
Registered office: Hadfields, Bottom Road, Buckland Common, Tring, Herts HP23 6NH
Celame LLP Powered by vBulletin® Version 4.2.1
Copyright © 2014 vBulletin Solutions, Inc. All rights reserved.
Extra Tabs by vBulletin Hispano
TOP