First off, my apologies if this has been posted elsewhere. I have another post on here somewhere relating to a (now) statute barred debt with Aktiv Kapital. Following the advice given on here I sent a letter stating the debt was statute barred. Since then I have received no further phone calls from them but got a letter from them saying that my details had been passed onto the relevant department. It would seem they have got the message in the respect that I have had no more threatening calls or letter from them. However, I was wondering, now that the debt is statute barred should it be removed from my credit file? The reason I ask is that after checking on it shortly before posting this I noticed it is showing as "Unkown Status".

Okay thanks a lot guys. Ill bare in mind the complaint to the OFT if I either dont hear back from them (its a POBox.. will that make any difference to the registered postage?) or they continue to harass me. Nice article Rhia.. I particularly like this bit Telling people SB debts are still enforceable must be one of these new fangled was of implementing communication with debtors then hehe. On a lighter note... doesnt that guys name sound like an Irish fella with the solution?

OK.. Ive dragged my feet a little bit with this one but with good reason. During a recent call from Aktiv Kapital/Kapital Finance I said to them that I would not speak further on the matter and that a letter had been posted to them. The guy asked me what the letter was regarding and I informed him that because the last payment on the alleged debt was over 6 years ago the debt was statute barred and whether I owed them the money or not was now a null point. He replied that because the agreement defaulted in Feb 2003 the debt was still active and statute barred only comes into play 6 years after the debt defaulted and not when they received last payment (as I have come to understand). I know this is probably a silly question but has this act been changed or is he just trying it on (so to speak)?

Okay thanks guys... Statute Barred letter heading their way after I get to the post office. In case they are another company to keep an eye on, the letter I got this morning is headed Aktiv Kapital. Is it a regular practice for debt collectors to use multiple names for their company? So far they have been Aktiv Kapital and Kapital Finance. Thanks again for the help.

First off Hi. Ive recently been contacted by Capitol Finance (or however its spelt) regarding a debt I am supposed to owe to Time Computers. During a recent phone call from them the person on the other end said that I had made a payment back in Dec '02 but then defaulted in Jan '03. What I was wondering is which course of action should I take first? Should I send a CCA request asking for the relevant paper work or should I just send them a letter stating that the debt is now statute barred? Bit of history. They have sent me a few letters recently (funnily enough they started around Nov of last year.. just before the debt became statute barred?). The latest is offering 65% off if I remember rightly. None of the letters actually threaten court action yet. To my knowledge there was a gap of about 5- 5 1/2 years in between Time and Capitol writing to me and since then I have signed nothing and sent nothing to them in writing to acknowledge the debt. So to reiterate which is my best course of action.. request CCA or just send Statute Barred letter? Thanks in advance for any help.