Rossendales collect/AK - old time retail debt from 2005

[wishboneash]

Just had a letter aktiv kapital portfolio 2 nd placement ? outstanding amount 519 .17 debt has been passed on by above client

8th October 2013 my credit file is clear only a missed mortgage payment how do i handle this many thanks

 

as far as i know this debt was back in 2001

 

i have heard they are very aggressive

 

client aktiv kapital 8th oct debt has been passed on by above client ?

 

we are instructed that you ignored previous request we intend to recover the debt

 

saying its a second placement

 

this debt is from 2001 how do i go about this ?

 

credit files is clear

[renegadeimp]

Can you post more info? That post is pretty cryptic.

[fkofilee]

Have you made any payments and if so when was the last one?

It may be SB but it depends

[mikeymack2002]

It maybe they are fishing, or is SB either way you will need to find out.

 

When was the last payment/acknowledgement made? if it was way back as stated, go back to your CRA file look at closed accounts it maybe there, also if it was not dealt with since 2001 the it will be SB. You can always send the prove it letter from the library here http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

But sometimes mysterious payments turn up resetting the clock. So you will need to write to them and find out, they chased me for a STAT BARRED debt a few years ago with a quick call it was sorted, they sent the acknowledgement of SB the next day, case closed.

 

Let us know with an update to your thread please

 

MM

[wishboneash]

just got a letter this morning

 

2nd placement outstanding debt £ 519.17 debt has been passd on

 

unless you pay the full amount in seven days recovery action will take place

 

my credit file has no record of this what do i need to do ?

 

full letter

client aktiv kapital portfolio as branch 2 ncd placement ? ? outstanding amount £ 519.17 p

 

Dear Mr

your debt has been passed to us by the above client we are instructed that you have ignored previous requests for payment and we intend to recover your outsanding debt imediatley

 

unless you pay the debt amount in full within 7 days or contact us immediately with your proposals recovery action will commence

 

quite a while ago this happened with some called fire who harassed my at work place repeated phone calls but these stopped unaware that it my be this , but my file is clear on experian

[lookinforinfo]

It could be for council tax as that is not reported to the Credit agencies. Or it could be that it is a case of mistaken identity.

 

I hate to say it, but if you ring the Council and it is not that, then you may be left with ringing the bailiff for information as to what the debt relates to. At the same time get a breakdown of their fees, Court costs

and the original debt.

 

If the Council confirm that they sent the bailiff, see if you can arrange paying it off without involving the bailiffs to avoid paying their fees [and depending on the bailiff, some of them will be doubtful].

 

Have you received no notification of any Court proceedings as a Court hearing would be necessary before bailiffs can be called in.

 

Have you moved address recently and thus the Court summons etc have gone to your old address.

[dx100uk]

don't forget rossers also have a DCA wing.

 

this could simply be them trying it on on an old debt

that's prob SB'd long ago.

 

phishing trip.

 

esp if no like debt shows on your cra file

 

what was the original debt all about?

 

dx

[dx100uk]

what is the debt all about please

 

give us its history please

 

dx

[Bazooka Boo]

But sometimes mysterious payments turn up resetting the clock.

 

Once a debt is SB nothing can unbar it, even a fictitious payment, that is fraud.

 

Any written evidence you get claiming that a payment was made to the account, that you never made, is absolutely gold dust, and you will be quids in when (if your that way inclined) you sue them, plus heads will roll and the company will undoubtedly fold as fraud is an extremely serious offence.

 

What is the debt?

When was the agreement taken out?

When did you last pay toward it, or acknowledge (in writing) it?

If this doesn't show on your credit file then ignore them for the time being.

[Bazooka Boo]

This is a double post, wishboneash stay to one thread or you'll confuse and duplicate responses.

[dx100uk]

three threads merged on same debt

 

please keep to one thread per debt

 

dx

[wishboneash]

not sure as my credit file is clean i did have depts in 2001 for various things , and did get hassled by phone calls last year by FIRE DEBT recovery at work home sent a letter off that i do not own this debt and to stop hassling me at work looks like the debt has been sold on to rossendales ?

 

thank you have just sent off for a new credit report

 

looks like a old debt from time retail in 2005 this had been passed on by by two other debt recovery's firms just waiting for credit file