Had been dormant (sorry won't let me edit)

Just had a couple of letters drop through my door, one from Capquest one from Abbey Stating that they have purchased my account from Abbey and vice versa from Abbey stating they have sold it. I was in town so I dropped into Abbey and politely asked the young lady at reception to search my old account and tell me when it was last used. She confirmed it had not been dormant since 2000 and she could order me statements, to which I said 'Yes please' she asked for my new address as it wasn't on their system (Funny that as I'd just had 2 letters sent to it!) I know for a fact they are bank charges and the account was put in dispute back in 2000 as I felt the charges were totally unreasonable and I stopped using the account. This is the first I've heard from them, should I just let it wither and die?

I really wouldn't recommend it. Even if you keep your account upto date, be very wary if something actually needs to be replaced. If you can go elsewhere do!

Not as uncommon as you think then... barclaycard not only lost my claim under my PPI, they cancelled my PPI 2 months after that claim went in. They then only issued a default, in 2007 after they had 'Sold' my account to AK one month after it became statute barred. Funny bunch aren't they????

Few months ago guy from Phillips turns up trying to collect on behalf of BCW/AK etc, only he asks for my daughter, and produces one of the *cough* so-called Debts they are chasing me for. I have to admit to being not pleasant in the slightest as I told him to vacate the premises! Trading standards involved and the OFT is extremeley interested.

Hee Nice one!!

anyone? sorry i just need to get this sorted asap thanks

Thanks - so thats the one I send to the DCA can anyone point me to the one I need to send to the bank to dispute them please?

Hubby received bog standard Moorcroft letter re bank charges. Can someone point me to the letter I need to dispute the bank charges please and a course of action.

There's already an ongoing investigation via TS and the OFT with regards to this whole little fiasco. I'm just wondering if they'll be interested in hearing the information I gleaned today.

Thanks, I wasn't sure, and in honesty am bemused. Especially as the creditor has offered to take back the debt from the company that they sold it to, knowing that they won't get a penny from me.

is there anything in law regarding a creditor selling a statute barred debt to a debt collector knowing they have no way of enforcing it and knowing themselves that the debt is unenforceable?? Dumb question sorry.

You might want to take a good look here http://www.statutelaw.gov.uk/legResults.aspx?LegType=All+Primary&PageNumber=2&NavFrom=2&activeTextDocId=3309124

I'd talk to your receiver, they are very hot on this and should deal with it for you.

I has hundreds of Threatograms from BCW - They make good fire lighters, or shredded up great bedding for my dogs One thing though, what they don't know, they do tend to make up...so you can probably expect all manner of weirdness being levelled at you.

BCW must read this cos the T***s have just called... *shakes head* Pathetic Edit: Trading standards have asked me to get all my paperwork together for them if needed, but so far they haven't asked for any of it. It's all sat here waiting.

Just checking in to say... I haven't had a single letter or phonecall in over a week - I also haven't heard from trading standards, however all seems quiet on the AK front...bet i've jinxed myself now LOL

I had a message on my answer machine yesterday from trading standards, i rang back within minutes of them leaving it, unfortunatly I got to talk to their answer phone so i am still waiting on a response... on a side note... In the post today were 3 Letters from Aktiv Kapital One of which was for the 12 year old debt they sent the DC around to collect from my daughter. It seems to have gone up another 400 squid... [insert ROFLMAO smilie here] The bit that tickles me is.... 'Our company, the Aktiv Kapital Group, has millions of customers Worldwide, and we have decided we would like to help you with the above account' So it is now filed with all the other letters pertaining to said account, inc the ones that claim this account is now owned by them and the ones where they threaten legal action to reclaim their interest in said account. Likewise the other 2! I'm developing quite the portfolio

I've just received a phonecall from Trading standards and they are going to deal with it as it is plain that I am being harrassed. So watch this space... see what happens... still off to see solicitor and will back up with a cease and desist Harrassment type letter from him.

They've had the letters, I've been a lurker here for a while all they do is move it on to another 'affiliate' and then they start, so i send them a letter and they send me something new, or make illegal searches against my credit record... Experian have already dealt with them, Equifax are a little more difficult to get to move thier backsides. I can deal with anything they throw at me, but to send someone after my daughter...because they can't get to me... that's not something I will stand for.

They've never had a cent out of me, and they won't get as everything they are chasing me for is statute barred - the 'debt' in question is 12 years old. It just seems the more I wind them up, the more digging they do to see what they can throw at me... and they really are scrapping the bottom of the barrel with this one!

I just don't get it...what they have done is illegal... surely? there has to be something in law that they can be prosecuted under? I did some digging through my weekly rainforest and came up with a letter from a Bailiffs in Doncaster called Philips...I'm presuming it was one of their err boys. The letter states 'Outstanding arrears on behalf of BCW Group PLC' but then says the creditor is Aktiv Kapital UK limited. I'm running out of idea's of how to play with these people! They're still going to be hearing from my solicitor and I will be following this up via trading standards, but in the meantime... I need some new toying tactics... all ideas will be thoroughly twisted for maximum amusement factor...

To be honest the OFT have done nothing, I am still receiving phonecalls daily (I've run out of blocked numbers!!) and having half a rainforest dropped in my mailbox on a weekly basis. I want to know which book if any I can throw at them with regard to deformation? false accusations? my daughter has never received diddly squat from them, until this today and it is beyond out of order. Unfortunatly I didn't catch the DC's name or company, he was in too much of a hurry to get back in his car XD

Well with me anyways... Hi new to the boards but not new to the tactics of the group of companies that are Thames Credit, Aktiv Capital, BCW etc I'm prompted to join today after a rather interesting developement, that I believe is not in the slightest bit legal. I reported the incident immediatly to the OFT and I await the phonecall from my local trading standards, *note I'm not holding my breath they have been useless so far*. I've been toying with the above group of companies for nearly a year now. (At first they were annoying, now they just make me laugh at some of the tactics they use) Having got no joy from the OFT I already have a standing complaint in against them I decided to make them my amusement for the day at their daily phonecall..... But today just really takes the cake and now I'm beyond angry. Angry enough that I have an appointment booked with my solicitor tomorrow. I have requested CCA's none have ever been forcoming and no postal orders have ever been cashed, just new 'debts' appear out of the woodwork...I'd love to know where they find em, cos I haven't a clue! Anyways sorry... My daughter has just had a visit from a debt collector, with regards to one of the statute barred debts of mine (a 12 year old debt thats amount owing goes up and down like a yo-yo depending on which letter you read and which company it comes from) My daughter who is 18, has the same initials as myself however her first name is totally different, however this debt somehow now belongs to her! I'm not the sort of woman that gets intimidated easily having run my fair share of estate boozers. And after a rather blunt and to the point retort from myself, I sent the debt collector scuttling off down my path faster than a terrier down a rabbit hole. Has anyone had this tactic tried on them and if so can they be prosecuted? because right now I'm willing to press whatever charges I can against them.