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Debt letter from Aktiv Kapital


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hi i have today recieved a letter from aktiv capital stating i owe 1500 from barclays and can settle for £750.00 they say the debt was from 1997 with the last payment being made in 2001 i made the mistake of telephoning them and they say a recorded telephone call made in 2004 which they still have a copy of makes the 6 year rule void as the call in 2004 makes the claim viable are they correct thanks

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see link 22 above

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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hi i have today recieved a letter from aktiv capital stating i owe 1500 from barclays and can settle for £750.00 they say the debt was from 1997 with the last payment being made in 2001 i made the mistake of telephoning them and they say a recorded telephone call made in 2004 which they still have a copy of makes the 6 year rule void as the call in 2004 makes the claim viable are they correct thanks

 

If they were, would they be offering you a 50% discount to settle?

 

Chancers. Report them.

 

SH

All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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My OH received a letter from AK stating he owed a debt,i knew it was SB'd,so off went the letter.

 

Received a reply yesterday,case closed,and they apoligised:D

 

Now filed along side several other DCA's that have been chasing his SB'd debts.

 

They must be having a hard time,poor things:rolleyes:

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i got a reply from recent cca request to activ cap,they sent me a cca copy back signed by me over 10 years ago,so i will continue to pay them £2 pm,

they have offered me all the desperado deals one being a £1,500 settlement on a £30,000 total loan,

 

i doubt they have the original cca as they seem more than content with the £2.00 pm.

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i got a reply from recent cca request to activ cap,they sent me a cca copy back signed by me over 10 years ago,so i will continue to pay them £2 pm,

they have offered me all the desperado deals one being a £1,500 settlement on a £30,000 total loan,

 

i doubt they have the original cca as they seem more than content with the £2.00 pm.

 

 

Have you scanned up the CCA to see if it's unenforcable?

 

If it is you don't have to pay them anything.

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Have you scanned up the CCA to see if it's unenforcable?

 

If it is you don't have to pay them anything.

 

i have and it seems it is.except for the ppi sold when i was self employed.

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Mis-sold PPI will invalidate the default notice. Have you got the default notice to see if there are any other flaws in it?

 

SH

All opinions of ScabHunter are offered in good faith and believed to be accurate and true. Please note, though, that I have no legal training and am human like the rest of us (except the DCA trolls).

 

If you have received court papers, PLEASE POST EARLY. We can help, but only if we are within the timescales.

 

I am happy to receive PMs (and friendship requests!), but if you want me to look at your thread please leave a link to it.

 

If I have been helpful, please feel free to click the old scales!

 

____________________________________________________

 

LIGHT RELIEF - SCABHUNTER STYLE

 

A reply to a DCA troll with a limited vocabulary

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/131409-cheekiness-towards-dca-199.html#post1840093

 

A template letter accepting a full and final settlement

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

A reply to ARE letter dated 13th November 20088

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172657-mbna-letter-asking-me.html#post1863523

 

A reply to a naughty DCA suggesting that the alleged debtor was ignoring the poor dears, and promising a nice social visit

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167422-help-needed-re-letters-3.html#post1850119

 

 

 

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hi i have today recieved a letter from aktiv capital stating i owe 1500 from barclays and can settle for £750.00 they say the debt was from 1997 with the last payment being made in 2001 i made the mistake of telephoning them and they say a recorded telephone call made in 2004 which they still have a copy of makes the 6 year rule void as the call in 2004 makes the claim viable are they correct thanks

 

LoL - I hope I get the same letter when all mine go SB - a recorded call means nothing...That 'call' could have been anyone, needs to be in writing for it to mean anything - we know that and so do they...then again, perhaps they don't - afterall, they've had their heads up their ****s for so long now.

Just hate every DCA out there

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Why not ask them for a copy of the recording... would be interesting to see if it is what they claim. They are chancing their arm here as the alleged debt is clearly statute barred. Telephone calls don't count.

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