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  1. 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 original amount. They keep sending me letters offering a discount if I pay the debt in full. Any help would be appreciated. Thank you.
  2. 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 and secondly this is more than the debt was to start with. Shortly after I get a letter from Aktiv Kapital demanding repayment, followed by many more letters. In my confusion I paid a one off £10 through their website which I probably shouldn't have done but just did it to put off the letters. I've now been receiving lots of letters and phone calls from Credit Security Limited on their behalf. So what should I be doing next? I'm not entirely sure that I owe anything , and if I do I don't see how it can be that much. I had a look in the library. Am I meant to send a CCA letter like this one? Or the general debt letter? Or something else entirely?? My mind is boggled so any help would be much appreciated!
  3. 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 our mail. I checked my credit file this morning and there plain as day is a default from Aktiv Kapital. What should I do? If I send them a CCA and they send me the argeement then the counter will go back to zero won't it? Please help I need some advice on what to do next. Tnx
  4. 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 ?
  5. 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
  6. 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 collected' On the 10th of this month (april) I received a settlement offer from aktiv kapitol for an outstanding balance of £782.64 Over the past week whilst I have been at work (9-5) my parents home in which I reside has received numourous calls each day. Today alone they have received 7 calls. Each time they have informed the caller that I am unavailable until after 5 I have been concerned about calling ativ kapital due to previous problems with a previous firm I am looking for any advice as how to proceed. I have v.limited funds and do not want to be pressured into a high monthly payment. Any help would greatly be appreciated
  7. 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
  8. 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 were not a true copy of the original, but the Judge made a judgment that Aktiv's represented application form and T & C's were the documents making the original contract a valid one! I appealed that decision of that court, and again failed at the Appeal court, and fees were awarded to Aktiv. Aktiv issued a bankruptcy petition against me for the outstanding balance of the SD, of which I inadvertently paid to stop bankruptcy. I issued a claim against Aktiv of unlawful enforcement of the agreement, the Judge being presented with many corroborative facts showing the T & C documents were false, and Aktiv had engaged Fraud, struck out my claim as I had not used the word fraud in my Particulars of Claim ("PoC") (only in my Witness Statement and skeleton argument), but had only alleged unlawful enforcement in the PoC, and he also stated the claim was without merit. Aktiv issued a SD for the fees awarded at the Appeal hearing, I applied to set those fees aside as they were founded solely on the false documents (T & C's) represented by Aktiv as the original, of which Aktiv admitted in their Witness Statement for this case that, "it now transpires that the T & C's were not those at time of inception." The Judge of this case (application to set aside) again struck out my application, and without merit, also afterwards immediately made an application to the Designated Civil Judge to have a Civil Restraint Order against me. I now have an Extended Civil Restraint order against me! From two without merits cases, which I had evidenced Aktiv's represented T & C's were false! I made a formal complaint to the Police alleging Fraud, Perjury and Perverting the Course of Justice on Aktiv's part, as they had made conflicting statements within their Witness Statements regarding their representation of the T & C's, their admissions, misleading of the court and their gains against me to my detriment, the Police wrote me a two page letter of reasons why they refuse to investigate. Request Given that two judges on three separate occasions have been given information which evidences beyond reasonable doubt (only need balance of probability in civil court) that the represented documents exhibited by Aktiv were false, and they engaged Fraud, but did not listen, the Police will not investigate, what then can I do about the Bankruptcy petition, as I do not have the money to pay for the petition? Aktiv's bankruptcy petition is founded on the fees arising from the Appeal hearing from the original set aside hearing where Aktiv misled the court into believing the represented T & C's were a true copy of the 2002 set when they were a 2007 set. Any help, advice or suggestions would be appreciated, thank you very much.
  9. 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 customer surveys to help us understand, even better, how to provide the best solutions for our customers. We are excited by the future prospects in the UK market.” Meanwhile Aktiv Kapital Group, the parent firm of Aktiv Kapital UK, posted revenues of £191.6m (€220m) for the year, up 14% on 2011. The Group invested £165.6m (€190m) in debt portfolios and other investments during the year. The face value of the portfolios purchased across the firm’s operations in Europe and Canada stood at £1.9 billion (€2.2 billion) for the year, with 17% of investments coming in new asset classes. Group chief executive Geir Olsen said: “2012 has been a good year where we have seen increased investment momentum and better operational leverage. “We are particularly satisfied with the progress of the Aktiv Kapital Group in the UK, where the team continue to make significant improvements to the local operation. We have greatly improved efficiency, and are funded to invest significantly in 2013.” Link: http://www.credittoday.co.uk/article/14942/online-news/turnover-rockets-at-aktiv-kapital
  10. 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 first national tricity finance for the same amount, s ent mackenzie hall the same request and got letter back saying thay had returned it to aktiv kapital. should i do anything or just sit tight there is nothing on my credit file re first national tricity finance.
  11. 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.
  12. 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!
  13. 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 letter this morning from Aktiv Capital saying- " We have reason to believe that you are subject to Insolvency Proceedings, however we are struggling to read the public Insolvency Register despite our best efforts. Please ring us to discuss or send to us in the post details of your current affairs....etc...blah...blah. It took me 20 seconds to log on to the insolvency website and view my BR details which is public info. Is this a wind up? First question- should I send yet another SB letter or a copy of my BR order or can I bin this letter and forget??? Second question - Can I ring them and tell them to go away or will this reset the clock on the debt and then I'll be liable even though I am bankrupt? Thanks Honeypot
  14. 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 want to call them to tell them to get lost and I will send each company the statue barred letter. If I should be sending a different letter please let me know. My question is, can these companies continue to complete credit searches of my credit file without any recourse?? They are accessing my credit file on a monthly basis and I think this is impacting on my credit scoring. Any advice, as always gratefully received. Keep up the fight y'all!!
  15. Hiya, I have a slightly unusual case here, well for me anyway. I have received plenty of letters in the past from various DCA's chasing for money and fired off the stature barred letter as they have provided all the info for the original debtor, however on this occassion I am not sure how to proceed. I received a letter from Equidebt informing me that they are chasing an amount of £1659 on behalf of Aktiv Kapital Ltd. They have provided no other information other than their own reference number. I did have correspondence with AK last year for a debt of £1300 and it was confirmed that was statute barred. My problem is that although I am 99% sure that AK have just sold on the debt to Equidebt as the amounts are fairly similar I have no way of proving this as Equidebt have provided very little information. I am also positive this is a statue barred debt as there is no negative information on my credit file. In addition they are stating that unless I contact them within 7 days they will arrange for doorstep collection. Should I just fire off another statute barred letter to Equidebt or try something a little different as they are just acting on behalf of AK. Any advice would be greatly appreciated. Thanks in advance
  16. Hi I've been receiving letters from AK demanding payment on to be honest I don't know what? Is there anyway I can find out what this debt is, I have a feeling as it is in my previous married name, that it is more than 6 years old. I think I've also read somewhere on here that I can ask how much the DCA paid for this debt, is this right? And if so what would I do? If I'm not in the right place can you point me in the right direction please?
  17. 12 years ago I had a Comet (Time Retail Finance) store card which I spent about £600 on. I paid this for years (min payments mostly) and the balance only ever got higher. Anyway, the last payment I made towards it was back in June 2008 after which time Aktiv Kapital began chasing me for it. In my credit file with Equifax, the Time Retail account is showing as "Settled" and the one that keeps my score down at Poor is the "delinquent debt" to Aktiv Kapital, now standing at £949. I have now started to get calls from another company called Buchanan Clark and Wells so maybe Aktiv Kapital have sold it on to them?? However, I want to know if,... as I have never entered into any agreement with Aktiv Kapital and the original Time Retail account is closed, should I send Aktiv Kapital a CCA request and if they fail to provide it, can I realistically hope to get this one removed from my file? Thanks for any help anyone can offer. Mick
  18. Hi I have received a letter from this company chasing a debt which they say is for barclaycard for £7000. the name on the letter has a first name, middle name and surname. the first and surname are mine but the middle name is different. The debt is definitely not mine and not just an error on the name. Can anyone offer some advice on how to respond. Should I ignore it or write back. If I write back what should I say that clears it up for good Thanks in advance.
  19. I have received several letters from Aktiv Kapital regarding an old account. I spoke to them today and explained I wasn't familiar with the account and if it was an account of mine then it was probably statute barred. The agent looked and confirmed that the account is statute barred. I said ah ok then, she went on to say that they are still looking to collect but just won't take legal action but that was never their intention. Where do I stand???
  20. Hey there just after a little advice please. A few months ago i received a letter from Aktiv Kapital demanding 800 pounds for an unpaid credit card debt from germany i assured them i have never had a german credit card. I received an email last week from my identity theft provider saying my credit report had been changed so i logged in and they have put a red line from jul 2006 how can i have this removed. any advice greatly received
  21. Hi, has anyone heard of the above company? I had a letter from them today in my last married name saying that I had a debt with G.E. Capital bank, I have been remarried for the last 8 years, the funny thing about the letter is that it says if I pay a certain amount of this debt, they will pay the rest. As far as I know I've never had anything to do with G. E. Capital bank. Anyone any ideas, I don't want to contact them, as I don't want to start any thing up with them, should I just ignore. I have a look round the forum stickies and can see that it would be statue barred anyway, as like I say I have been remarried for 8 years. Any advice would be appreciated.
  22. I have a letter from Aktiv telling me that as they cannot produce the documentation for a debt they purchased from Barclay card, that it is unenforceable. They have also said that their policy in thiese circumstances is to cease collections on this account. However they also say that as this is not yet in DEFAULT if I do not pay they will issue default procedures. My question...can they do this? Also....If they issue a default to credit ref agencies will my bank accounts be affected in any way? I understand the 6 year rule and the effect on obtaining credit...this does not worry me....but any problems with my bank account as a result would. Thank you.
  23. Back in 2007 I received a letter from these with an outstanding debt of £3000. At the time, I knew nothing of DCA's and went along with it. Since then I have paid over £1000 and even to this day still pay the monthly installments. Now, after learning everything I have on this forum I've realised that the debt, when they first contacted me was statute barred. Didnt know what that was at the time, also, i wouldnt imagine they could provide a CCA request. Should I been sending a request and if they don't respond should I stop paying them? The original debt was £2200 and raised to £3000. So I've paid the best part of 50% already..
  24. In the year 2000 i got a car from Yes car Credit, after 18 months the cars gearbox went and i fell into arrears so i eneded up with no car and yes car credit pursuing me. Later in the year 2006 i got a letter from Aktiv Kapital saying that they had purchased the debt and they pursued me for the debt. in 2008 Someone phoned me and i foolishly did not think and they talked me into making a token payment of £50 which would have destroyed the Statute barred angle. These past few weeks i have been getting letters from Buchanan Clark and Wells saying they have been assigned to collect the debt on behalf of Aktiv Kapital. this morning i got a final notice before action letter from BCW so i have sent off the standard cca request letter today, My question is what do i look for on the agreement to check if its enforceable?
  25. Second account with these guys that I apparently owe money on. This time £207.74 and I had already sent them a statute barred letter a couple of weeks back, but they have today come back with a claim that the Terms of the Limitation Act do not apply to this debt as a CCJ was made back 25/10/2003. Surely the fact this CCJ was done almost 9 years ago means they can't still chase this? CCJ or not? There is no record of this on my credit files either. What should I tell these fools? Seems like everyday they are trying it on lately. As always, I thank you in advance for your help.
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