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About Me


  1. Long story short Aktiv bought MBNA credit card debt which had been incurred by my son. Unfortunately card was in my name. Son made payments to MBNA for years (his monthly payments to MBNA were more than my income) until he incurred mental health problems and b*ggered off leaving me with the mess. I've written to AK advising of situation, got copy CCA from them (it's an old combined application form/CCA from 1999 WITHOUT full T&C's), used template letter asking Aktiv to write off debt, explained about my son and said all I could offer was nominal £1 a m
  2. I sent a CCA request to Aktiv Kapital and when they didn't provide the agreement I told them I wouldn't be paying them. They've now asked when I left an address I was last at about 15 years ago. Any idea why they want this or what it has to do with a CCA request
  3. Ladies/Gents I would like to share my success against Aktiv Kapital. AK has been bullying and harassing me since 2009 for debt that didn't exist. I bough a fridge with a comet edge card in 2006 and shortly after it was delivered I changed my mind and sent it back. I didn't hear anything from them until AK started calling me day and night and threatening me with court action and subsequently registered a default against my credit file. I also discovered that AK had illegally changed the default date by 20 months. Fast forward June/ July. I sent Aktiv Kapital
  4. Hi everyone. This is my first post so I apologise if it is in the wrong place. I am currently in a DMP with Step Change. I had a MBNA credit card which went to Thames Credit and eventually to Aktiv Kapital. The debt now stands at approx. £5200.00. The original debt with MBNA was approx. £2300.00 before it was passed on. Aktiv Kapital keep adding interest to this debt on an annual basis so I end up paying less than the interest that is added so the debt keeps going up. Is there any way I can get them to freeze this and put the debt back to the origi
  5. Hello, This is my first post so apologies if it's not to the right place. I've spent a bit of time trying to look at other posts and in the library, but am still struggling to get my head around what I am meant to do. I used to have a Nationwide bank account which was about £300 overdrawn. This was closed about 7/8 years ago and I made repayments (or so I thought). Then out of the blue I get a letter from Nationwide saying that they have sold a debt of £440.07 to Aktiv Kapital Portfolio AS, Oslo, Zug Branch. I was surprised by this firstly because I thought I had paid it back an
  6. Ok hi everyone been a while since I have been on here, so here's what has happened I got a letter back in April from Aktiv Kapital about a debt from Nationwide which I have not made a payment according to my credit report since April 2008..... The account is now 9 months from being statute barred.I have heard nothing from Nationwide since 2008 and now I have this letter from Aktiv Kapital saying the account had gone into default in 2009. As I was moving I sent the letter back saying no longer at this address and I have not had any further correspondence, I did put a redirection on
  7. Hi Has anyone dealt with these idiots before ? They think they can chase debts up that are over 15 years old ! Think it is time to inform the Ombudsmen - What else should be done to stop these fools ?
  8. Hi All I received a letter from Equidebt, who are chasing a debt bought by Aktiv Kapital from Nationwide. This debt consists entirely of bank charges. I would like your advice on, 1. Reclaiming the charges 2. Scraping Equidebt and Aktiv off my back. 3. Getting the default removed from my Credit file. Thanks in advance. Shystar
  9. Hello to everybody, apologies but this is my first post on this forum and I need some advise regarding a debt that has been passed onto aktiv kapital, in 2009 I lost my job and was unable to make my credit card payments to nationwide. I received this letter back in june 2009 Current balance: £782.64 Credit limit: £1100.00 Past due: £523.47 'Our records show that your account is currently three months in arrears. In line with the terms and conditions of your account, the payment protection insurance cover has now been cancelled and no further periums will be
  10. Hi All Just a quickie!! Today I received a Doorstep Threatogram from UMS on behalf of BCW collecting a debt owed to Aktiv Kapital. I'm not worried, as I know that all debts I had are now Statute Barred, so I will fire off the SB letter from the library on Monday. I can't remember who the debt was owed to originally, but it's for about £400. I was just wondering if anyone else has dealt with UMS? Thanks QB
  11. I am going to be served shortly (within a week) with a bankruptcy petition from Aktiv Kapital for fees arising from an Appeal Court case from a Set Aside Application hearing. History In 2012 I received a Statutory Demand ("SD") from Aktiv, I applied to Set Aside. Aktiv responded by Witness Statement and represented a copy of the signed application form and a set of 2007 T & C's (account was MBNA credit card taken out in 2002) exhibited by Aktiv as a true copy of the 2002 original agreement. At initial set aside court hearing I made representations that the T & C's
  12. Annual turnover rocketed by more than 50% at debt buyer Aktiv Kapital UK during 2012. Turnover hit £60m at the UK arm of the Norwegian debt buyer, up more than 50% on turnover recorded in 2011, the firm said in a results statement. The company also revealed it acquired portfolios in the UK with a face value of more than £700m during 2012. The typical UK customer has faced many challenges over the last few years so the results we have been able to deliver are particularly noteworthy,” said David Sheridan, Aktiv Kapital’s UK country manager. “We have invested in consumer research and custo
  13. iHave received from Equidebt acting for Aktiv Kapital re a debt for £1629.54 first national tricity finance I sent letter telling them don't know of any debt to them and asked for a copy of the original credit agreement they have sent letter back saying they have requested the details from the vendor, they are saying that as they are the 3rd party they are not required to supply the details in the 12 + 2 days request is this so as they have stated that this could be sometime. Also i had the same about 12 months ago where it was mackenzie hall on behalf of aktiv kapital firs
  14. Received a few letters from Buchanan Clark and Wells who say they are acting on behalf of Aktiv Kapital. This is for a debt from New Look which was defaulted over 6 years ago. It was at a different address than my current one, don't how they got my present address. I've been ignoring the letters but the latest one is a 'notice of impending further action'. I figure they're unlikely to take court action as I presume this would have been done before now. I don't want to go back to receiving threatening letters constantly, only just got myself sorted out and my c
  15. Hi I had a virgin credit card which I stopped payiing last autumn2012 due to financial difficulties. They sent me a letter around xmas time to say they had passed my debt on to Aktiv Capital. Around a month later I started getting frequent calls from Aktiv Capital, but just kept fobbing them off, saying they had phoned at an inconvenient time. After reading one of your blogs I refused to give them information over the phone. That very day I received a letter from them asking for the full amount. Activ phoned me again that afternoon saying they had se
  16. Hi all I wasn't sure if I should start a new thread, as I posted a few days ago Re: Aktiv Capital sending a £300 pay-us-half-and-we'll-sod-off letter with no details of the debt. I was advised to ignore and thats just what I have done. This is a completely seperate 'debt' by the looks of it, however if I should have added to the existing thread, then could a member of the site team please move it I received the attached letter from Equidebt (Who?!) this morning. It states the creditor as Aktiv Capital and that I owe £3926.53. The only thing I've ever had in my life wit
  17. Hello again good people, I received a letter yesterday from Aktiv Capital regarding a "New Deal" asking my to pay off a certain percentage of a debt in final settlement or set up a payment plan with them to pay it off. The total debt is apparently just over £300. Now, the letter doesn't state what the debt is for or who the original creditor was. In fact, it says nothing. Just along the lines of "pay us this now." This is about the 6th letter I have received from them in about 3 months, but none threaten further action etc. I checked my experian credit report about a week a
  18. Dear sir/madam, My husband and I had quite large debts with mbna, we choose (stupidly) to borrow on 0% credit cards instead of borrowing on a loan with a fixed rate and an end date. (we all live and learn). We ran into difficulties reducing the balance because the cards went form charging 0% - 29.9%, paying £700.00 per month and reducing balance by about £30.00 per month, you probably don't need me to tell you that we could not keep this up, we wrote to mbna who were quite helpful and put the accounts on 0% and reduced payments, we were paying £460.00 per
  19. hi im new here and would like some advice please last year in November 2011 I was made redundant after 25 years I found myself with debt building up under so much pressure and the unemployment was really no help at all But to get to my point, is that I had a credit card with mbna which I couldn't afford the payments mbna made me make a payment of £1 per month 6 months later the debt had been sold to aktiv capital we had the harassing phone calls and letters I never admitted the debt to aktiv in anyway and told them I only deal with letters on the 6th of Decem
  20. For the last couple of weeks I have been receiving calls from 01865 525980 to my mobile phone. This is a local number to me, but as they've called during work hours so I haven't picked up, and they haven't left any messages, however having googled the number it appears it is Aktiv Kapital. Is this a new trick from AK, calling alleged debtors from a local number in the hope they'll answer the phone, or have they genuinely moved from Bromley to Oxford - their website suggests not!
  21. I received a letter from AK informing that an amount was owed to them for a credit card debt. I was not sure of the contents and sent a no knowledge letter. A few weeks later I received a further letter with a copy of a A5 card application and they asked for my comments. As this is not any terms and conditions should I send the CCA request letter however any any cr cards I had are well over 5 years old since any payment or acknowledgement so would it be better to send the statute bared letter. Thanks for any advise.
  22. Firstly happy new year to one and all on the forum. I have had ten phone calls from these people in the last 2 days from 02084609778,I do not answer these calls but they are becoming a bit of a pain.I have no idea as to what debt they may be chasing as I have not had any correspondance of any kind from them.Do I continue to ignore these calls or do I write to them sending the harrasment letter.
  23. Hello Everyone Please can somenone advise, perhaps from a legal point of view, on this weird letter I had today from Aktiv Kapital. They are chasing a debt from 1997-1998. No CCJ obtained, No contact made, No payment made so Staute Barred. They have used various DCA's over the years to try collect on it despite being SB. I just send the SB letter and then wait another year until they try their luck again. Now in Jan 2012 I went bankrupt. All straight forward. In fact the court said I didn't need to include any Time Barred debts on the petition. received a l
  24. Evening all I keep getting letters from AK stating I owe them various amounts to different companies. They also write offering a reduction in the amount I could pay, such as sending me a "gift voucher" today for £3,000 off a 'debt' and stating I should pay them £300. I am also getting daily text messages from BCW asking me, by name to contact them urgently, quoting a unique ref number. I am aware any debt that I have is statue barred, as they are over 6 years and if my memory serves me right ar eover 10 years. I havent made any contact with either company although I
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