Ah you're a champ Brig! Will let you know most definitely. many thanks :thumb:

Yes, thats what I would expect to happen the most too. However, where do we draw the line on this? Can Aktiv kapital keep doing that? I do not want to have to keep writing to different people forever. Surely, it has to stop somewhere?

Hi Brig Do you really think that is likely at this stage in their game? I mean, if that's their plan, why did they not have Scotcall or Ruthbridge do that?

Hi people, Just as an update to this thread, I have today received a letter from Ruthbridge in which they confirm my letter to them and have noted the "issues" I have raised. They have been in contact with Activ Kapital ltd who have "advised" Ruthbridge to return the account to them so that they can deal with it directly. Ruthbridge also confirm that they have closed the account at the their end and that I will not be hearing from them again regarding this matter. However, they state that Aktiv Kapital will soon be in touch with me themselves to discuss the "issues" I have with this debt. So, that has gotten rid of Ruthbridge, but I'm not sure what Aktiv Kapital are up to, as they should be closing the account also, especially considering that they are the ones responsible for passing this around from pillar to post. It will be interesting to see what they are going to say, if anything, and to see whether they are going to continue passing this statute barred debt around any further or are going to try and come up with the "phantom payment" rubbish that I have heard about on hear so often. Time will tell and I will keep this situation updated as it progresses, although when I hear from Aktiv Kapital I will most likely start a new thread relevant to them.

Thanks for your replies. Yes there was TNT written on the top right hand corner of the envelope. My response went to the main address at the top of their letter and was signed for by them on receipt of it the day after I posted it. Just thought it was odd that there was so many different addresses. Thanks for the input Brig.

Thanks for your reply dx. I thought it would be a case of ignore.

Hi All Just an update on this thread. Last week I sent the letter that Brig outlined for me to Ruthbridge via special delivery. They received and signed for it on the 26th Oct (Proof obtained and kept). I heard nothing until today. I get a letter from them dated 26 October (only received today so that's five working days to get to me????) completely ignoring the letter that I sent them and basically, to sum up, containing the following: 1.They note they have had no response from me regarding my "defaulted" account. (Yes they have) 2.They want to offer 65% discount. (??) 3.They will recommend to their client sending doorstep collectors if not paid up. 4.They will ensure that my credit files are listed as "satisfied" on this debt with the credit reference agencies when I pay up (It is not on my credit files in the first place). Now, I know this might be just some computer generated letter that has gone out on the same day as they received my letter, but why it would take 5 days to get to me I don't really understand and surely I would have received something else from them also as acknowledgement of my letter and its contents in the same time period if that was the case? So in essence this is just stage 2 of their harrassment campaign to try and get me to pay up on a statute barred debt. Are they legally allowed to just ignore my letter to them? Another curious thing about this Ruthbridge company is that I sent my letter to them to the following address which is at the top of their letter: Ruthbridge Ltd Ruthbridge House 15 London Road Twickenham Middlesex TW1 3ST At the bottom of the letter in very small print is another address as a registered office at 13 Princeton Court, 53-55 Felsham Road, Putney,London SW15 1AZ. (???) Then, on the back of the envelope, it states, if undelivered return to PO Box 530 Manchester M5 0DB I mean, WTH???? I mean how are you suppose to know which address the letters are coming from? Clearly it's not in Twickenham or Putney? And is this a deliberate deceit so that they can act like they haven't received my letter from me? Can someone please advise on what I should do next, if anything. Or should I just ignore these people now that I have written and made my position clear? Many thanks as always.

Thanks for that Bazooka Boo. The letter Brig supplied me with has gone out today. I will keep this thread updated with any further responses I receive from them regarding this particular debt. Many thanks to all once again.

Thanks for all of your replies guys and for the letter Brig. Much appreciated. I will send that off later today. To Dx, this is an old Barclaycard Debt from way back in 2001 that would have become statute barred in 2007. It does not show on any of my CRA files at either Callcredit, Equifax or Experian (or Noddle for that matter)and I am a member of all 4 so check my files regularly. From the above comments though, I am still not 100% clear on who I should be reporting them to. Oh, as an aside, I suppose I should mention that I had several debts back in 2001, none of which are on my credit files, none of which have been acknowledged in writing or paid into since 2001. I say this, as I have only so far been chased for the debt that Ruthbridge are now chasing and it was only a month ago that I wrote and sent my first ever letter to a DCA, which was Scotcall. I now have a fishing letter from 1st Credit which I suspect may be for one of the other debts. But I suppose that doesn't matter as any will be statute barred now as they all stem from this exact same period. I will just have to deal with each individual debt as it no doubt surfaces. The point is though, that as soon as you write to one, that seems to bring all of them out of the woodwork.

Hi All I recently wrote to ScotCall regarding an old statute barred debt which they were trying to get money for on behalf of Activ Kapital Ltd. In response to the statute barred letter I sent ScotCall, they did the right thing and confirmed that they had closed the account and were returning it to their so-called client at Aktiv. However, despite my insisting that ScotCall advise their client of the contents of my letter, Aktiv Kapital have now just passed the same statute barred debt on to a DCA called Ruthbridge. I have received a letter from Ruthbridge making the same demands for payment on the same debt and insisting that I must pay to avoid their recommendation to their client (Aktiv) that further action be taken against me. This makes me furious. Can they legally do this? They must know full well that I have written and informed one of their associates of the status of this debt and that I will not be paying now or in the future. I thought that was suppose to constitute harrassment? Do I have to write to all of these "so-called" collection agencies in the same way as I did with ScotCall? Please can anyone give me the correct advice on how to proceed from here. Many thanks in advance.

Yes, I know, I have already written to them about all of that and they have stopped chasing this debt. I was just updating the thread so that other readers can see what the outcome was. There is nothing worse than reading threads and not knowing how the person ever eventually got on with their case.

Hi All Just to update people. I posted off the SB/Doorstep letter to Scotcall. I basically got a reply from them saying that they have noted my dispute and closed the account. I will not be hearing from them again regarding the account but that they are sending the account back to Aktiv/BCW group and that if I want more info to contact them directly. I am just gonna wait and see which one I hear from next, if at all, and then go from there. Just thought I would let you all know.

Thanks mate. They didn't put that on my letter! There's no e-mail contact addy at all. I wonder why? In any case, I have decided to skip the e-mail after reading other threads and just go with the recorded delivery post. Thanks though for all your advice and I will post back when/if I get a reply from them.

Oh just a thought, can you tell me which e-mail address you used for Scotcall theratboy? The only one I can see for them is enquiries@scotcall.co.uk. Also did you just send your e-mail or specifically mention The Compliance Manager?

Okay yeah, many thanks you peeps for helping out and taking the time to read my replies. I think I will try e-mail first and see how I get on with them. If I have any problems I am sure I will be back.