Thanks lookinforinfo and sequenci for your excellent advice.... will get straight to it.

Bump

Thanks for the reply, no this is the first I've heard of it. Apparantly, its default date is early 2000 and I've never heard of or corresponded with Aktiv Kapital Investment Ltd.

Hi, any help would be appreciated on what to do next..... I was contacted by Buchanan Clark and Wells with regards to a debt to Aktiv Kapital First Investment Ltd. After reading various threads on the forum I decided to check out my credit files with the three main companies and found no defaults or mention of this debt. However there was a search on one by Buchanan Clark & Wells. After receiving a 'Final Notice' from BC&W, I decided to send by recorded delivery, a standard CCA letter and the £1 postal order notifying them that I did not acknowledge the debt and that it was 'in dispute'. This was in mid February. A couple of days later I received the postal order back and a letter advising me that BC&W did not hold credit agreements, as they were not the creditor and that they would ask Aktiv Capital to forward the documents directly to me. Two weeks later I received a letter from BC&W giving various details of the alleged account (i.e. the creditor, contract start date, current balance, last known address) saying that it'd been defaulted in early 2000 and that I'd also breached the contract by not advising them of my change of address!!!! They also stipulated that Aktiv Kapital were the owners of the legal title of this account and that BC&W had been authorised to act for them. Today, I received a legal notification from BC&W outlining that documents could be prepared to take me to court unless I pay now! As yet I have still not received the information requested in the CCA letter i.e. true copy of original credit agreement, statement of account (this I suppose could be the information given in their third letter) and executed deed of assigment. I've also received nothing directly from Aktiv Capital. I still can't recall what the debt relates too. So should I get in touch with Aktiv Capital directly and send them a CCA letter or was it fine to send it initially to BC&W, who were demanding payment? Should I write to BC&W mentioning that the account is still 'in dispute' as I haven't received the three requests outlined in the CCA letter? Obviously their 12 days are up and the additional 30 are creeping by!!! Just to add the last known address given by BC&W in relation to a debt is an old address and cannot be used when getting my current credit file as its older than 6 years. Do I have to search on this address even though I haven't lived there for 7 years?? All help would be well appreciated.... thanks

Hi, First time on the site and looking for a little advice. Just been sent a letter from a debt collection agency for a debt that was apparantly defaulted 6 and a half years ago. This is the first letter received regarding this debt ever and I've got to say I haven't a clue what it's for! I've read threads that say if the debt is over 6 years old and this is the first correspondance received in relation to it, then it is a 'dead debt' and I cannot be pursued legally for it..... is this true? Alternatively, should I contact the debt company VIA POST and ask them for more details on the outstanding debt i.e. use one of the cca letter templates given on this site? Any advice would be appreciated.