Have you ever had a store card? I do know that Aktiv Kapital perform debt collection for GE capital cards (possibly others - I don't know, i'm a neophyte @ this). My partner recently received a letter from CCSC referring to a statute barred debt going back to 2000 - 2002 relating to a GE capital store card.

We're not bothered about getting the charges back, just wanting to ensure that her credit rating hasn't been adversely affected by this as (from my rough calculations) she actually paid off the principal+interest on the principal - it's the late payment charges & the interest on them that caused problems & it appears unfair if her credit rating has been affected. Like I said we'll get her credit files, check them & then probably seek more advice dependent on those results.

I would recommend either starting a new thread or waiting for input from someone more experienced before you take any action - there appear to be a number of very helpful & knowledgeable individuals on this site who are giving marvelous advice.

I think we're going to get a hold of our lasses credit file from the cra's & check for any defaults etc. as they relate to this & then decide what to do. Basically the whole amount owing is due to (illegal) late payment charges, so if her credit rating has been adversely affected we may go the route of sending a statute barred letter & a follow up & maybe a SAR to GE capital - it's a lot of hassle though & is dependent on the contents of the credit file (whether there are any default notices on etc.)

I'm not an expert, but from doing a lot of reading on this site (& others) I guess you could claim harassment, i'd be tempted to send them a harassment by telephone letter (Harassment by telephone - Consumer Wiki) - @ least then any further inquiries from them should come by post so you will have a full record of any communications. Question for more experienced peoples - is it ok to send a letter like this to a DCA without including your name, just sending it from 'the occupier' @ your address?

Thanks for the advice - re: the phone calls - There have been none of them @ this address (moved just under a year ago) - just this 1 letter. Think we will just add this letter to her 'hoard' for now (she has birthday cards from her teens squirreled away) & wait & see what happens. Cheers

Evening all, My partner has received a letter from CCSCollect on behalf of their client Aktiv Kapital requesting payment of £258.39. The last payment made on this account was March '02 & she has made no further payment or acknowledgement since - so I guess the correct response would be to send the statute barred letter template? A little history regarding this - it relates to a GE capital storecard from 2000, original amount spent was around £80. My partner serviced the amount correctly & then a dispute regarding apayment arose which led to late payment charges, higher interest charges, charges for letters etc. - the usual tactics (the original amount was well & truly paid). My partner (a student & single mother @ the time) continued to pay, whilst trying to resolve the dispute (but had no luck) & eventually the debt was passed to eversheds - @ this point my partner had enough & stopped paying, as the only reason the amount had increased was due to the £75 of late payment charges & charges for letters that had been added to the account due to the unresolved dispute, with interest charges added onto these also of course (by this time she had paid back the principle & should have only been left with around £10 yet to pay). Years later @ another address she receive letters & phone calls from a number of DCA's - Thames, Buchanan Clarke & Wells, GBP & Scotcall - she ignore them & just filed them away (as she does with everything - the womble). So now she has this letter from the next DCA company. Don't get me wrong, we have no issue with paying off any legitimately owed money & if I had been her partner @ the time of the original debt (we were split up) I may have been able to help her in resolving the dispute - bit in this case I feel that the amount just isn't legitimately owed (I've read may horror stories about GE capital - major offenders). So I am guessing that a statute barred letter would be the best course of action now? For the record I have been heartened & impressed by some of the accounts I have read here of those who have taken on the DCA's & other unscrupulous financial institutions - hats off to you