Thanks a lot everyone for all your help. I've opted to go with the letter supplied by PGH7447 just to get Thames Credit Ltd off my back. I'll let you know how they respond. Cheers again.

Hi all, I was looking for some advice, this is an ongoing saga that I'm just getting fed up with now so I'm looking for a way to get these companies off my back! HISTORY 27/07/2006 Received letter from Debt Managers Ltd requesting payment of £754.00. I promptly got on the phone to them to establish what this debt was for. I did not get to the bottom of it due to a very rude person on the end of the phone who wouldn't talk to me unless I offered to pay the debt there and then. The only thing I got was it was a finance purchase in 2001. I wrote back to them with the CCA letter and requested a copy of my credit report which yeilded no further information to this debt. 05/08/2006 Received a response to my CCA basically stating that they don't have the information requested so they're passing it back to Aktiv Kapital. I left it here and waited to here from Aktiv Kapita Oct 2006 Received a letter from Aktiv Kapital stating that I have now ackowledged the debt as I have paid £1 towards it (£1 sent with CCA letter to Debt Managers). Anyway, sent these lot a CCA letter on the 02/11/2006 (along with another £1 postal order). 29/11/2006 Received a response to my CCA letter stating the debt was now at £752 (they knocked off another £1, presumably for the £1 I sent them with the CCA letter). They also enclosed a (very bad) copy of the "Credit Agreement Regulated by the Consumer Credit Act 1974". Most info is ledgible, some is not. They also state that copy statements are to follow.........so I waited....and waited........and waited. I now know that this relates to a finance purchase on 19/03/2001. Having checked my bank statements it seems I stopped all payments in Oct 2001 due to loosing my job and having to move address. No further response came from Aktiv Kapita. 22/03/2007 I moved address. 29/01/2008 I received a letter from Aktiv Kapital to my old address. I waited for the next letter and returned it to sender stating not at address. 14/04/2008 I have now received a letter from Thames Credit Ltd to my new address (albeit I've lived here for over a year) stating that they are now managing the account and I need to make payment of £752.00 So, now for some questions: - 1) Should I send a CCA letter to Thames Credit Ltd (I don't want to opt for this route because as far as I'm concerned Aktiv Kapital have failed in response to my CCA letter and therefore I'm in dispute with them and they cannot pass it on to Thames Credit Ltd)? 2) Should I send a letter to Thames Credit Ltd stating I am in dispute with Aktiv Kapital I therefore will not deal with Thames Credit Ltd? 3) If I stopped payment in Oct 2001 and have not ackowledged the debt or made any payments since, does this now fall under "statute barred"? 4) Is there something else I should be doing at this point? I will be grateful for any help with this.

Hello again, Thought I'd come back in after so long, looks like DM & AK have been quite busy. Well, further to my previous post of 6th Dec 2006 stating that on the 29th Nov 2006 they sent me a signed copy of the agreement, but failed to provide any further information, I have heard nothing from them since, until the 2 letters received in the last two weeks. Seems that they're going to try again, both letters requesting money (same amount as before) as I've made "nominal payments" (these would be the £1 payments in conjunction with the CCA letters). Although a few things have changed now.. I have not lived at the address they're sending letters to for the last 11 months, although this is my mothers address so I am getting the mail. The original agreement is now over the 6 year period. So, I have ignored the last two letters. What would be the best course of action from here? Should I continue to ignore them? If they threaten to get a Court action or send in the baliffs, can they do this? Would they do this?

Bump....I could really use someone's help now. I have a feeling I should be receiving a further demand in the next few days.

Can anyone help me on the above? I'm really unsure where to go from here. I've also read a debate on whether under the CCA they actually need to provide the Deed of Assignment. Is there a route that I should be taking from here?

Been a few months and this thing just keeps on going. Early in October I received a letter from Aktiv Kapital (UK) Ltd stating that I have accepted the debt because I paid money in to the account. This happened to be the £1 Postal Order sent to Debt Managers Ltd. It continued ".blah.blah.blah..please pay". Well, I had no intention of responding with another CCA letter at that time, figured if I have to send them £1 i'd let them spend that in chasing. So, back end of October I receive another letter, please pay or we'll take you to court. Fine, on 2nd November I sent the CCA letter. On the 7th I received a acknowledgement from AK and a "we aim to provide you with this same information within the statutory 30 day period." 30 days??? I thought the period was 12 days, then they have a further 30 days before they are breaking the law?? Please correct me if i've misread any information. This puts the 42 day deadline at 13/12/2006 by my calcuation. Then on 29th November, 27 days after posting the CCA letter, a futher letter arrives enclosing a copy of the original agreement, fully signed by myself. It turns out this is over a P.C. bought, don't remember where from Curry's or Comet, something like that but at least I now know what all this is for....result in my book. This agreement is dated 14/03/2001, over 5 years ago. looking back through bank statements I paid 5 payments up to August 2001. At this time i lost my job so stopped all direct debits. Two months later I moved out of the address, that was the last heard of this until the Debt Managers letter. That is all that was enclosed, no statements, no deed of assignment. I remember reading that a debt becomes void if there is no acknowledgement of the debt within a 5 year period. Is this correct and does it apply in this situation? Also if there is no Deed of Assignment i can't guarentee that the original creditor won't come after me as well, once I've paid up. So, where do I go from here? Thanks again maddyrose for all your help on this. At least we know what it's for!!

I'm a little concerned that if I go after them then it's possible they could turn around and issue me with all the documents and request their money. But if they come after me can I have them for breach of the Data Protection Act on the grounds that: - Debt Managers issued me a letter saying my details had been passed to them by Aktiv and they're chasing it They can't provide me with the documents, making it illegal for them to chase In my mind this makes Aktiv in breach of the DPA as Debt Managers aren't supposed to have my data. I think I'll file this under my "weird and unexplained" folder just in case Aktiv are in possession of the docs.

Hey again, This morning I woke up to a letter from Debt Mangers Ltd. It appears that they knocked the £1 PO I sent off the total of the debt. The letter states that: - "The information requested by you is not available to us and in view of this we have closed our file and rturned it to Aktiv Kapita" I didn't expect them to give in this easy. Should I now go after Aktiv Kapita or should I sit tight and wait for them to come to me? Needless to say, as I received no information at all I still have no idea what this is all about.

Ok I got my credit report bits today. There are several items on there, everything I can think of even down to mobile phone bills. There is nothing I can think of that does not appear on there, everything that does and is outstanding I can account for eg bank loan, mobile phone. The rest simply says 'settled', even the financed bike that I thought may be the route of this. Now this 12/30 days has been settled they have until the 16th to reply. Still holding tight! But would love to know what this debt is for.

Yep thanks, registered this morning but am still awaiting a password to come through. I'll post whatever appears on it.

I've paid neither company any money directly but as you said if they were under a different name then possibly. The only things I have on direct debit I can account for, internet, mobile phone etc. So I'm a bit lost on who they are. Strange thing, while on the phoone I noted that they have on file all my info except for a telephone number. The person kept asking for it so I told them if they didn't have it on file I wasn't going to give it to them. I have lived at the same address for 24 years and our telephone number has never changed. If I send the CCA letter the response should help inform me of what the debt is for.

^^thanks for the letter. No I'm not 100% sure I didn't buy something in 2001, 90% sure. I try not to buy things on finance except once I bought a bike, but that was in about 1998. I have definately not heard of these companies before but I believe Aktive Kapital may be linked to Providian. The only thing I had with them was a Credit Card which has been paid off in full (I have all statements) but that was taken out late 2000. As regards to what the debt is for, they would not tell me. edit ** I have not heard of Sharpbranch before.

Hello All, I found this site yesterday while searching for information on Aktive Kapital. I've now probably spent 4 hrs reading posts and what a great site this is. Before I start tackling bank charges I have a more pressing matter. The reason I was looking for Aktive Kapital was yesterday morning I received a letter from Debt Managers Ltd on behalf of client Aktive Kapital. It is a "Urgent Final Demand" for the payment of £754. Firstly I have never heard of Debt Managers Ltd, and also have not received any other demands from them, and secondly I have never heard of Aktive Kapital. I phoned Debt Managers Ltd and tried to get some information out of them which was extremely difficult. They wouldn't tell me who Aktive Kapital are or what the debt is for other than "something you bought on finance in 2001". I can not recall buying anything on finance in 2001. I also asked if they had purchased the debt and they responded "it has been passed to us". Having read so much on this site I believe the best course of action is to send a CCA letter to Debt Managers Ltd. I cannot find a template for this so please could someone post a link. Should I be sending a Data Protection letter to Aktive Kapita as well? Is there anything else I should be doing at this stage and is this the correct course of action? Any help here would be greatly appreciated.