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AK/BCW - old GE Cap (First National Tricity Finance - Tiny Computers Ltd )


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Hi all,

 

I have received a legal notification from the above.

 

Pursuers : Aktiv Kapital UK limited

 

Creditor : GE Capital (First National Tricity Finance - Tiny Computers Ltd )

 

Principle Sum : £1,487.11

 

BCW Ref:xxxxxxxxx

 

Client Ref : AKxxxxxxxx

 

This account goes back approx 8 or 9 years I have no idea as to when the last payment would have been made on it.

 

What I would like to know is who do I send a CCA letter to as reading some of the other threads re this company they do not hold any agreements,so where do I go from here.Any help or advice would be appreciated.

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  • 4 weeks later...

Hi all,

 

I cannot find my original thread regarding these people.

 

Anyway on the 28th March I sent them a statute barred letter. Today I have received a letter dated 17th April.

 

Letter as follows:

 

Pursuers: Aktiv Kapital UK Ltd

 

Creditor: GE Capital (First National Tricity Finance - Tiny Computers Ltd )

 

Principle Sum:£1,487.11

 

BCW Ref:xxxxxxxxxxx

 

Client Ref:xxxxxxxxxx

 

VISIT BY DEBT INVESTIGATION OFFICER

 

Dear Mr xxxxx

 

We regret to note your account with Aktiv Kapital UK Limited for £1,487.11 remains outstanding.

 

You were informed in our last correspondance of impending court action. As a consequence of your failure to contact us and agree a resolution to this long outstanding matter,we must advise you that we are left with no option other than to proceed with a Personal Visitation by a Debt Investigation Officer to your home address, in order to discuss and agree repayment of the debt.

 

If your address details are incorrect, or if there is a particular time you wish the Officer to call we would ask you to contact us immediately on xxxxxxxx.

 

Where do I go from here folks? Do I send them another statute barred letter? Or do I send them a different letter if so which one.

 

Your help and advice much appreciated.

 

Ian

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi all,

 

I cannot find my original thread regarding these people.

 

Anyway on the 28th March I sent them a statute barred letter. Today I have received a letter dated 17th April.

 

Letter as follows:

 

Pursuers: Aktiv Kapital UK Ltd

 

Creditor: GE Capital (First National Tricity Finance - Tiny Computers Ltd )

 

Principle Sum:£1,487.11

 

BCW Ref:xxxxxxxxxxx

 

Client Ref:xxxxxxxxxx

 

VISIT BY DEBT INVESTIGATION OFFICER

 

Dear Mr xxxxx

 

We regret to note your account with Aktiv Kapital UK Limited for £1,487.11 remains outstanding.

 

You were informed in our last correspondance of impending court action. As a consequence of your failure to contact us and agree a resolution to this long outstanding matter,we must advise you that we are left with no option other than to proceed with a Personal Visitation by a Debt Investigation Officer to your home address, in order to discuss and agree repayment of the debt.

 

If your address details are incorrect, or if there is a particular time you wish the Officer to call we would ask you to contact us immediately on xxxxxxxx.

 

Where do I go from here folks? Do I send them another statute barred letter? Or do I send them a different letter if so which one.

 

Your help and advice much appreciated.

 

Ian

 

Was the statute barred letter sent by recorded delivery, do you have proof of delivery from track and trace?

 

Did they ever attempt to prove you have acknowledged the debt in writing or paid anything in that 6 year period?

 

If they havent provided proof and you have stated its statute barred then I would either just ignore and wait for court papers, if they dare

 

or

 

send a response advising them you will be complaining to OFT as its against debt guidelines to a) Chase debts that are statute barred without proving otherwise. Would be worth including the withdrawl of permission to visit too.

 

S.

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Was the statute barred letter sent by recorded delivery, do you have proof of delivery from track and trace?

 

Did they ever attempt to prove you have acknowledged the debt in writing or paid anything in that 6 year period?

 

If they havent provided proof and you have stated its statute barred then I would either just ignore and wait for court papers, if they dare

 

or

 

send a response advising them you will be complaining to OFT as its against debt guidelines to a) Chase debts that are statute barred without proving otherwise. Would be worth including the withdrawl of permission to visit too.

 

S.

 

No I did not send the letter recorded delivery, do you suggest I send another one this time recorded.

 

No they have not provided any proof at all.

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No I did not send the letter recorded delivery, do you suggest I send another one this time recorded.

 

No they have not provided any proof at all.

 

Personally then I would just re-send the statute barred letter recorded delivery.

 

Otherwise they'll just claim they didnt receive it and carry on regardless!

 

S.

 

(Had to get the movie title in there:))

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Personally then I would just re-send the statute barred letter recorded delivery.

 

Otherwise they'll just claim they didnt receive it and carry on regardless!

 

S.

 

(Had to get the movie title in there:))

 

Thanks for that S i will get it in the post in the morning and I will include a copy of the original letter sent on 28th March.

 

This debt does not even show up on my credit file.

 

Ian

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Thanks for that S i will get it in the post in the morning and I will include a copy of the original letter sent on 28th March.

 

This debt does not even show up on my credit file.

 

Ian

 

Just put a line in then "that repeated attempts to reclaim statute barred monies will trigger a complaint to the OFT"

 

Best of luck

 

S.

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Just put a line in then "that repeated attempts to reclaim statute barred monies will trigger a complaint to the OFT"

 

Best of luck

 

S.

 

Thanks for your advice S letter is now in the post,decided to send it today.Watch this space.:rolleyes:

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No-one from these clowns will turn up anyway..they are just full of hot air.

Report them to the OFT & trading standards if you wish...

 

Hi Mr Ton,

 

I am just playing along with them at the moment, I have just sent them another statute barred letter, this time I have sent it recorded. I will see what comes next.

 

Ian:-D

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I am in a similar position and have received the same letter last weel from BC&W. I received another letter today threatening an arrestment of my bank/building society account. I have received these letters despite advising them that the debt is barred and that they cannot take me to court.

 

I will send another statued barred letter just to remind them and this time I will send it recorded delivery.

 

I have had at least 7 DCA's contact me over the last 2 years threatening all sorts of action and as yet not one of them have visited me or taken me to court. So I would hang on in there and wait for it to pass. They seem desperate and will promise all sorts of action against you, but will rarely carry it through!

 

John

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Just put a line in then "that repeated attempts to reclaim statute barred monies will trigger a complaint to the OFT"

 

Best of luck

 

S.

 

Hi S,

 

Aktiv Kapital UK Limited - AKxxxxxxxxx - £1487.11 (this balance has had interest added)

 

I have had the following reply from BCW this morning.

 

I write with regard to your recent communication concerning the above account and can confirm that this account is not statute barred under the Prescriptions and Limitations Act 1980.

 

Our client advises that the last payment on the account was £17.40 on 22nd Dec 2003.

 

Please do not hesitate to contact us on xxxxxxxxxx should you require any further assistance.

 

Yours sincerely

David Smith

 

I have no recollection of having made such a payment at that particular time.

 

Where do I go from here S.

 

Ian

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Hi

 

Get them to prove such a payment was made

 

Where was it paid

How was it paid

Who paid it

 

There will be proof out there somewhere

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi

 

Get them to prove such a payment was made

 

Where was it paid

How was it paid

Who paid it

 

There will be proof out there somewhere

 

Thanks for that S,

 

Do I send just a standard letter to them or is there a template letter I should send and would it be best to send recorded delivery.

 

Ian

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I don't think there is a standard letter but it won't be hard for you to knock something up and yes, send recorded.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi

 

Get them to prove such a payment was made

 

Where was it paid

How was it paid

Who paid it

 

There will be proof out there somewhere

 

Hi S,

 

After sending a letter asking BCW for proof of the payment they state I had made I received 3 letters from them this morning 1st May.

 

Letter 1. Dearxxxx

We refer to your letter and to the information supplied by you.The account at this office has been placed on hold while we refer back to our client for further instructions.We will advise you further in due course.

 

Letter 2. Settlement Offer

 

Dear Mr xxxxxxxxxxxxxx

We refer to previous correspondance regarding the above debt with Aktiv Kapital UK Ltd,and are dissappointed to note from our records that the balance remains outstanding.We are prepared to help you in clearing this debt by offering you the exceptional opportunity to settle on highly favourable terms.We are willing,without prejudice,to accept £743.56 in full and final settlement providing this amount is paid in one instalment.Alternately,you can spread the repayment of a settlement amount of £966.62 over 2 to 6 convenient monthly instalments.

 

Letter 3. Settlement Offer

 

Dear Mr xxxxxxxxxxx Exactly the same as above except for the amount they are willing to accept that being £123.93.

 

What now S?

 

I think BCW are trying it on. What do you think.

 

Ian

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Hi S,

 

After sending a letter asking BCW for proof of the payment they state I had made I received 3 letters from them this morning 1st May.

 

Letter 3. Settlement Offer

 

Dear Mr xxxxxxxxxxx Exactly the same as above except for the amount they are willing to accept that being £123.93.

 

What now S?

 

I think BCW are trying it on. What do you think.

 

Ian

 

This is just a guess but settlement 3 is prob what they paid for the debt or just over it....

 

Perhaps they've had confirmation from their client that no proof of payment exists and thus just want it off their books

 

S.

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This is just a guess but settlement 3 is prob what they paid for the debt or just over it....

 

Perhaps they've had confirmation from their client that no proof of payment exists and thus just want it off their books

 

S.

 

Thanks for your quick reply S,I will not bother with them any more for the time being.

 

Ian

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