Aktiv capital/Scotcall/BCW

[miziwizzi]

So it seems a few of us have received orange statements from Aktiv today whilst also being chased by BCW OR Scotcall.

 

Must say it wasa pretty statement and looks fab in my ignore pile!

[smokinjoe2]

So it seems a few of us have received orange statements from Aktiv today whilst also being chased by BCW OR Scotcall.

 

Must say it wasa pretty statement and looks fab in my ignore pile!

 

 

I have to agree with you there, they do look lovely. I dont have an ignore pile like yourself as I try and keep mine nice and warm by sticking them in my incinerator:lol:

[fork-it]

My partner just has one of these, but in her maiden name and she has never used her maiden name nor had an account with orange, and never used that name at this address or any other address for about 12 years. Nothing shows on her Experian credit report.

 

Should I be concerned? or is it just another money scram??

[smokinjoe2]

12 years ago? After 6 yrs the account becomes statute barred. send them a statute barred letter. that should do the trick.

[fork-it]

I havnt sent any letter, but they know its SB so they cant take it further.

 

I am puzzled how the debt came about in the first place. A further dig revealed its not orange, but a company called Creative Finance, and their website says they specialise in store cards - those are something we have never used. We never use credit to buy anything, not even property and cars. If she wants to buy something then she can go and buy it. She would never faff around getting credit for £366.

 

I got a feeling its someone opening an account in her name, but that leaves the question why we never received statements or correspondence. It was like it came from nowhere.

[BRIGADIER2JCS]

If the debt is SB you just need to write quoting the following:

OFT GUIDANCE ON DEBT Collection (updated 2006)

Tthe debt is covered by the statute of limitations Act 1980.

section2.13 states it bis unfair to pursue the debt if there has been no contact

in the relevant limitation period.

Also it is unfair continuing to press for payment after the debtor has stated they will not be paying because it is SB

doing so could amount to harassment contrary to Sect 40 (1) of the Administration of Justice ACT 1970

[fork-it]

My point is I dont think the debt is genuine.

[BRIGADIER2JCS]

Do a CCA request first then if necessary a subject access request to the original creditor (alleged)