CCS Collect

[VH200371]

Hiya

 

I hope you can help me I would really appreciate some advice. I received a letter from a company called CCS Collect on behalf of a company called AKTIV Kapital First Investment.

 

I have never heard of either company, I have checked my credit report and neither are on there and the name on the letter is my maiden name, I was married for 8 years and we have split up this year.

 

What can I do here? I know I am not going to sleep worrying about this, can they ask for money from this long ago? How can I prove I owe the money after this long? From what I can gather from past posters on your site these people are aggressive and rude and after the year I have had I can do without talking to someone like this I am falling apart already.

 

Thanks very much and I apologise if this is in the wrong place x

[firstship]

Hi.You do not have to prove you owe the money,that is up to CCS Collect or Aktiv Kapital.If they phone refuse to answer the security questions,tell them nothing just put the phone down.

 

Its easy to say "Do not worry" But, Do Not Worry it appears they are chancing their arm,if by some remote chance there is a debt which you have not acknowledged in the last 8+ years it would be Statute Barred.

 

If they are writing and using your maiden name return the letters Not Known at this Address

 

Just ignore them completely and honestly do not worry

 

Regards FS

[VH200371]

Hello

 

Thanks for the reply, I have been having a look around the CAG and I have come across the Statute Barred letter I wonder if it is worth sending them it anyway to say get lost.

 

I wouldnt mind if I thought I owed anything but I dont have a clue who either company is or what I could owe? I have worked my backside off to try and get out of debt. I have had enough of collection agencies to last me a lifetime :o/

 

I want to say at this point that four years ago I owed in excess of 25k of debt and I got advice off the CAB offered reduced payments and kept going. I now owe 1.1K so there is light at the end of the tunnel.

[silverfox1961]

Hi

I echo Firstships comment. Don't worry. I would send the statute Barred letter. Send it second class and get a certificate of posting from the Post Office to show these muppets just how much you worry about this. I wouldn't bother signing it either. Just print your name.

 

You never know, this might not even be your debt. Debt collectors and accurate tracing of debtors are not mutually compatible

[VH200371]

Thanks I will do that.. Fingers crossed :o)

[firstship]

VH you have done superb job in reducing your debt CONGRATS.

 

Now is not the time to faulter,just keep going ,do not worry.

 

Send the Statute Barred letter.Then completely ignore CCS and Aktiv as per ~Silverfox1961 thread

 

The advice you got from CAB sounds very helpful.Did/or Do any of the debts in question have PPI involved?

 

Regards FS

[VH200371]

Hiya

 

Sorry it has taken so long to reply you know I am not sure about the PPI, but it was an hard slog and I had many sleepless nights.

I offered what I could afford each month and then I put my mortgage on an interest only for a short period, I put all the money I could into paying them off. I am not there yet but the day I pay that final payment I will celebrate.

 

I had lots of problems with the debt collectors messing up my credit report but I fought against them and I got it cleared off.

 

I think the thing is you feel that it is never going to get better but it does....

 

I will send the letter and tell em to get lost..

[firstship]

When you get time have a look at your old statements even though the debts have been settled and see if you where paying PPI to anybody,just possible if the answer is Yes it could produce the funds to finish your debt payments,Just a thought

 

Regards FS

[VH200371]

Thanks for the advice