Success with Activ Kapital......Debt Written Off!

[katpuss]

Hi guys,

 

I have various debts and am on a debt management plan so I take responsibility for my debts.

 

Imagine my surprise a year ago when I got a letter from Activ Kapital stating that I owed £316 for a Dorothy Perkins account that I had never had.

 

I responded to the letter by saying that it wasn't my debt. I got phoned every day almost and it almost sent me round the bend! But I kept my cool and made them know in no uncetain terms that the debt wasn't mine and they had to prove it.

 

Time moved on and I sent Activ Kapital a CCA request which they denied receiving and then admitted they had received it.

 

After various threatening phonecalls from them I spoke to what must be the only decent person working at Activ Kapital and he agreed that because they could not produce a signed credit agreement/statements that the debt wasn't enforceable.

 

The debt was then written off 3 weeks ago and I haven't heard from them since!

 

My advice is don't let these DCA's grind you down, keep your cool, write to them (recorded delivery), CCA them and basically do not ever back down if the debt isn't yours.

 

Take Care

Katpuss xx

[Pinky69]

Aktiv Kapital are always doing this - it was a phishing exercise and when they couldn't pin the debt on you they moved elsewhere.

[harrassed senior]

....or sell it on and it all starts over again with another DCA:(

[make them aktiv runners]

Did you receive a letter saying the debt was unenforceable and written off from Aktiv Kapital?

[postggj]

not to mention also to check your credit file for any poss default

[havinastella]

....or sell it on and it all starts over again with another DCA:(

 

I don't think that there is any pond life lower than AK though

 

Jogs

[dx100uk]

so it wasn't yours then anyhow, so it's not written off, just passed to another sucker?

 

dx