Aktiv Kapital debenhams card

[gh0108]

Hi

 

2 years ago my partner recieved several letters from Aktiv Kapital saying she owed them the sum of £1475.79, she telephoned them and asked what the debt was about as she didn't know anything about it. We were told it was for a Debenahms card which she has never had (her ex has)!

 

We asked them to provide proof that the debt was hers and a copy of the agreement to which they said they needed proof who she was before they could send this out! She sent a photocopy of her passport and we never heard anything else about it.

 

Today she has recieved a statment of her account from Aktiv Kapital for the last 12 months! Obviously we haven't paid anythin because we didnt know anything about it any help would be greatly appreciated. Thanks in advance.

[andie_303]

Don't send any proof to a DCA again - if they are contacting you they are supposed to have verified your identity before contacting you.

 

How long ago was the alleged debt taken out? If over 6 years it'll be statute barred and therefore they can do nothing with it. If they have not provideded a copy of the agreement and an enforceable one at that they can do nothing with it.

 

AK are the bottom feeders - they chase uneforceable debts on a regular basis

[gh0108]

Andie thanks for your quick response.

 

My partner has never made a payment on it because she never knew it existed till we got the Aktiv Kapital letters. They told her it was taken out in 2000!

Should i send them a letter?

[PGH7447]

I would ignore them for now unless they start to hassle

[gh0108]

Ok thanks PGH

[andie_303]

If they do hassle then send them the "prove it" letter from the template library.

 

That basically says they must prove the account to be hers. If they can't provide proof - and as its her exes I fail to see how they can - then they can go and whistle.

[gh0108]

Thanks again Andie.

[Seminole]

She should check her credit file to make sure they haven't placed anything nasty on there.

[hungrybear]

These annual statements are sent out automatically for any and all debts on any dca's books now - regardless of the status of the debt. There is a legal requirement to send them hence they have incorporated the legal requirement into their ongoing phishing trips.

 

As said above, just ignore it.

[vjohn82]

I would ignore it...

 

The OFT has guidelines for companies and asking potential debtors to verify their identity by sending documents is against it.

[gh0108]

Hi

 

I had posted a previous thread about my partner having various letters from AK the bold section is from the previous thread:

 

2 years ago my partner recieved several letters from Aktiv Kapital saying she owed them the sum of £1475.79, she telephoned them and asked what the debt was about as she didn't know anything about it. We were told it was for a Debenahms card which she has never had (her ex has)!

 

Over the last 2 weeks they have sent her a statement of the account and then a further letter asking for payment of the account. We sent the letter from this group saying to Aktiv Kapital to prove the debt was hers.

 

Aktiv Kapital have responded to this by sending her a copy of the agreement from 28/11/97 which is in her name and does look like her signature but she is adamant she never opened the account (thoughts are the ex did it and took another fem with him!). Obviously she cant prove she wasn't in the store on the date from 1997 will she now be liable to paying this debt?

 

Thanks in advance for any help.

[PeteT]

When was the last payment made on the account? Was it prior to 2003?

If so, the debt could well be statue barred.

 

I think Aktiv Krapital have bought up a lot of dubious debt recently as I've had a letter asking for the £7k+ I owe Barclays Bank.

Slight problem is that whilst I was a customer for 11 years, I have not banked with them in 14 years....as the account I opened was a Supersaver account I opened when I was 7 and closed on my 18th birthday. Can't see them giving me a loan / overdraft / credit card / an other type of credit on a junior savings account under the age of 18....can you?

[gh0108]

Lol somehow no Pete? My partner has never made any payment on this account she says she wouldn't know if payments were made by her ex. They had a joint account until 12/2001 then she has had her own account since then.