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Aktiv Kapital Plus - A Loyalty Programme!


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Received this today, although dated 24th April 2010.

 

Any thoughts?

 

AKrap.jpg

Edited by harrassed senior

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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LMAO - that's rather strange!

 

Also, you probably want to use paint to block out the info as I'm able to read all of the information on there.

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Done it again, hope that is better?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Do you no get vouchers for Asda or something :p

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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They'll start up a 'Diddlum' next and invite people to join just in case they may become future customers. :lol:

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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The sad thing is people will be gullible enough to fall for this crap. Good old Aktiv pretending they will pay off 35% of your alleged balance. Considering they probably only paid 5% of the face value or should that be faeces value they are speaking with forked tongue

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LMFAO, these fools are getting desperate, but agree with ODC some people will be tempted to agree to this [problem]

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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The letter was actually to my sister - she knows all about my 'activities' on this site, so she gave it to me for my opinion. I have to say it did have her 'worried' as she has heard nothing on this account since a previous DCA failed to produce an Agreement.

 

We will not be responding!

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Laughed so much I did a squirt of wee in my pants!:razz:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:D

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Good morning all, i'm a first time poster but have been registered since last november and have been an avid reader of this site since then. I received the same letter from these people last friday and have hopefully uploaded it in a way that everyone can view it. The only difference is that they offer me a 65% discount!

Aktiv1.pdf

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Love the wording 'obligation'!!

 

What obligation??

Deluded fools..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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thats better than lowell's offer for me to buy back my account in a reserve price auction! but if i did, surely i could then alter my credit file to remove the default... ha ha! i think not.

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Everyone is so loyal to them they have just posted another loss and bought another non-performing portfolio. Aktiv Kapital - even the very name makes me laugh!:lol:

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Good morning all, i'm a first time poster but have been registered since last november and have been an avid reader of this site since then. I received the same letter from these people last friday and have hopefully uploaded it in a way that everyone can view it. The only difference is that they offer me a 65% discount!

 

I can bet they have nothing enforceable, or they would only be offerring a small 25-35% reduction - so I would save the further 35% by paying 0% and telling them to take a hike. Better still tell them nothing and do nothing right now.

 

If they persist then ask them for a copy of the Notice of Assignment and send the £1 CCA or £10 SAR to the OC (BTW who is the OC?).

 

Good luck

 

BD

£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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The DCA's are getting more and more desperate.

 

A few weeks ago I offered 10% to Lowells as a full and final settlement. They accepted, and so I worte back basically saying, "Ok produce a valid CCA for the account and I will forward payment in 7 days." :D Both the offer and reply were sent headed "without predudice" as it is halfway to becoming Statute Barred and I want to keep it that way. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Very clever! Well done Fuzzy!

 

BD

£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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After it all going quiet on the DCA front so far this year, I had one of these from AK today. They hadn't forgotten about me after all :) Though they do appear to have forgotten to supply even a sniff of any proof that I owe anything :rolleyes:

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I notice their quote ref numbers. The 1st has quote “AK1” to receive 35% discount and the 2nd has quote “AK5” for 65% discount. Hmmmm, higher the quote No. the better the discount. Tempting to ring and quote AK10 - or shoot em down with AK47 :-)

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I just got a 2nd letter from AK about the Egg Loan balance they have "bought" - offerring me a full 10% - yes 1/10 OFF my "Outstanding Balnce with THEM" and telling me that THEY will charge ME interest until I start making payments to them. They don't even say at what rate. Surely that can't be legal?

 

I have no NOA - nothing from Egg to say they have sold the debt to AK. I therefore believe I have no agreement with AK or any enforceable obligation to them. They are also phoning 1-2 times every day - but "I'm away on holiday" so they speak to my "answering service" who won't answer their security questions or tell them my "whereabouts" or "alternative contact number". I'm surprised they have the time - they must be very busy with all their new Egg "debts"! .

 

Has anyone else chased up on the NOA question or gone to the wire with AK?

 

BD

Edited by Bigdebtor

£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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Yes - lots of people. I wouldn't pay any third party without an NOA and a copy of an enforceable agreement. I went to the wire with them and they disappeared.

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Pinky - Thanks for this. I'll put my cheque book down again!!!

 

BTW - your dodgy DN thread is one of the best!

 

BD

£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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Ours was an MBNA Virgin Card which was 'charged off' on 31 Jan 2009 showing a NIL balance due.

 

Aktiv Kapital have sent us 6 letters since then all with bargaining options. Just ignore them all :)

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