Aktiv Kapital ( UK ) LTD

[DaleR83]

Hope someone can help.

 

I recently was asked to get an experian credit report for my mortgage

the report came back with a decent 745

but a few things got brought up on it which has meant my mortgage being denied.

 

They are as follows ;

Aktiv Kapital account updated to:9/10/2011

Account type : Bank Started 13/07/2000

Default Date 11/01/2007 Balance £832

And

Aktiv Kapital account updated to : 26/04/2009

Account type : Credit card / store card Started 05/06/2004

Default 23/06/2007 Balance : £352

 

Can any let me know how to remove these defaults so can carry on with mortgage ??

I don't even know what they are for or connected to but have read that Aktiv Kapital regularly try it on.

 

Any help will be much appreciated. Thanks

[firstship]

Hi Dale Welcome.Aktiv are well known debt purchasers and can be difficult.If you are totally sure these debts are not yours,you need to challenge Aktiv in writing Recorded Delivery stating you have no idea what these debt refer to,

 

See what their reply is then we can guide you through the next step.

 

Removing Defaults ,very difficult unless you are 100% sure these debts are not yours, then you can get them removed and you an call the shots with Aktiv

 

Regards Fs

[BRIGADIER2JCS]

Hi welcome to Cag,

If these defaults are properly placed

because of irregularities in the accounts

you would need to have very strong proof

that they are unfair or that the default was

wrongly placed.

You will need to check your credit reference

files.

Aktiv Kapital are a debt purchase company and

they will have aquired accounts that have been

defaulted and sold on to them.

Have Aktiv been in contact in any way with you?

If not you will have to contact them to find out

who the original creditors are.

 

A bank account and a store or credit card have

you any recollection of what these may be??

[DaleR83]

Thanks for the info, I had a loan when I was about 18 which be the bank account one but I have never had a credit / store card. Aktiv have never been in contact with me which makes it strange, if I call them will that then reopen the debts if they do turn out to be mine ?

[BRIGADIER2JCS]

Do not call them keep everything in writting.

Also check the other CRAs Equifax and Call Credit

they may give some clue to the original creditors.

To attempt to remove the defaults you need to

know this.

[DaleR83]

Or is it easier for me to just leave the defaults to disappear next year ? Looking into it I think I know what the one is but looks the balance now is higher than the default balance is this right ?

Do not call them keep everything in writting.

Also check the other CRAs Equifax and Call Credit

they may give some clue to the original creditors.

To attempt to remove the defaults you need to

know this.

[dx100uk]

quite probably be higher

 

AK will be adding unlawful PENALTY fees' or the OC did

before selling the debts.

 

you might find they will leave it till a couple of months before SB date

 

then try and fleece you.

 

it might be better to await their letters

than to pull anyones tail

 

dx

[BRIGADIER2JCS]

Agreed, please don't phone them.