Aktiv Kapital chasing 7yrs old Sainsbury 'bank debt'

[RW Fugitive]

Hi guys,

 

These morons are chasing me for a alleged debt from 7 years ago, that is SB'd now

and has never had a CCJ against it.

 

I've sent them the SB letter from the templates on here by recorded delivery and they've signed for it yesterday.

 

What do you think their next move will be?

 

Will they just give up now or are they likely to keep asking for this alleged debt?

 

also will this affect my credit file now?

 

Thanks

[BRIGADIER2JCS]

Two options normally Confirm SB status in writting or

totally ignore you and sell the debt to another mug:madgrin:

[RW Fugitive]

Two options normally Confirm SB status in writting or

totally ignore you and sell the debt to another mug:madgrin:

 

Cheers... sounds about right about the reselling

 

Are they likely to add anything to my credit file?

[Stigman]

Are they likely to add anything to my credit file?

 

When I sent Aktiv Kapital the SB'd letter,

I received a letter in return stating that the debt is statute barred and they are closing their files,

I have not heard anything from anyother Company since.

 

Aktiv Kapital did do a search of my credit file and it is shown on my credit report.

 

Stigman

[BRIGADIER2JCS]

What is there now?

If it is over 6 years from the default date it's

already off your files, you cannot be be defaulted

twice for the same debt.

[RW Fugitive]

When I sent Aktiv Kapital the SB'd letter, I received a letter in return stating that the debt is statute barred and they are closing their files, I have not heard anything from anyother Company since.

 

Aktiv Kapital did do a search of my credit file and it is shown on my credit report.

 

Stigman

 

thanks

[RW Fugitive]

What is there now?

If it is over 6 years from the default date it's

already off your files, you cannot be be defaulted

twice for the same debt.

 

thanks... it is clear at the moment. I'm guessing their search means nothing then?

[BRIGADIER2JCS]

There is now in the October 2011 OFT Guidance

a section regarding the ''sale'' of statute barred debt

without notifying the purchaser of the status of the debt,

I rather suspect from the cases I'm seeking that many

debt purchase companies are attempting to recover

as much old debt as possible at this time.

[RW Fugitive]

There is now in the October 2011 OFT Guidance

a section regarding the ''sale'' of statute barred debt

without notifying the purchaser of the status of the debt,

I rather suspect from the cases I'm seeing that many

debt purchase companies are attempting to recover

as much old debt as possible at this time.

 

The bottom feeders are out in force at the moment

[RW Fugitive]

They have sent a letter today saying they can't see any reason why I shouldn't pay them LOL

but they'd like to offer me a special deal to as F&F on the account.

 

It's about 20% of the orginal alleged debt LOL.

 

 

But you've guessed it... they are getting NOTHING from me

[Stigman]

Did you send Aktiv Kapital the Statute Barred letter?

 

If not, they will keep sending out letters, i.e. Discount Settlement, CCJ threats and so on.

 

Stigman

[RW Fugitive]

Did you send Aktiv Kapital the Statute Barred letter?

 

If not, they will keep sending out letters, i.e. Discount Settlement, CCJ threats and so on.

 

Stigman

 

Yeah, I sent it by recorded/signed for delivery. I guess this is their last attempt to get a payment out of me?

[Stigman]

Yeah, I sent it by recorded/signed for delivery. I guess this is their last attempt to get a payment out of me?

 

Confirm with the Royal Mail website (unless you done so already) to make sure that the letter has been received and that the letter you recently got could not have crossed over in the post.

 

Make official complaints to both the OFT and Trading Standards via Consumer Direct.

 

Stigman

[RW Fugitive]

Confirm with the Royal Mail website (unless you done so already) to make sure that the letter has been received and that the letter you recently got could not have crossed over in the post.

 

Make official complaints to both the OFT and Trading Standards via Consumer Direct.

 

Stigman

 

Looks like theres a small chance it crossed in the post by 2 days (was signed for)? Best to wait to see their next move?

[Stigman]

As most DCA's use 2nd class post via TNT, give them until after the Bank Holidays.

 

Just keep the letters for reference.

 

Stigman

[RW Fugitive]

As most DCA's use 2nd class post via TNT, give them until after the Bank Holidays.

 

Just keep the letters for reference.

 

Stigman

 

will do, cheers

[BRIGADIER2JCS]

The letters would have crossed because of the us of

bulk mailing systems.

[RW Fugitive]

BCW have been chasing a SB debt of Akitiv Kapital for a few months,

I'd already told AK last year (april) that it was SB and that I wouldn't be paying,

they ignored me and sent a few letters, but went quiet for a bit.

 

Now after complaining and telling BCW it was SB,

 

I've received a letter "Refuting" my claims. It shows a "payment" made in November 2012 of £40. Which I never made!!!

 

The account was SB in April 2012, so how they think phantom payment this makes it un-barred I'll never know.

 

What should i do? BCW said they are continuing collection on the alleged debt and AK say I've made 1 payment last year that i didn't make!!!

 

Who is best to complain to as BCW said there letter was there "final decision" on the matter!!!???

[BRIGADIER2JCS]

Ok there is a pattern of these 'mystery' payments so I will draft a letter for you a little later.

[dx100uk]

final decision

they are a powerless DCA

 

time you ignored these muppets

or ask them to PROVE

from where

by whom

and the METHOD of payment

 

I BET they comeback and say it was by a giro cash slip.

 

usual 'trick'

 

dx

[RW Fugitive]

Thanks

[RW Fugitive]

final decision

they are a powerless DCA

 

time you ignored these muppets

or ask them to PROVE

from where

by whom

and the METHOD of payment

 

I BET they comeback and say it was by a giro cash slip.

 

usual 'trick'

 

dx

 

Yeah, it says it was paid at a Lloyds ??? I've never been in a Lloyds!! LOL

[BRIGADIER2JCS]

I'll step back as dx is helping you.

[dx100uk]

then you need to demand they send you a copy of the payment giro slip

 

dx

[RW Fugitive]

then you need to demand they send you a copy of the payment giro slip

 

dx

 

Cheers, will do. Is it worth making a complaint to the Financial Ombudsman too? I was thinking Trading Standards too?