oh right, lol, ive sent them plenty of letters regarding harasment etc, perhaps just going to oft and sending them a copy will do it!?!

but whats the point in them buying a debt that has been long since settled?? over 4 years ago?? p.s they have added nearly £5,000 in charges to the original debt by the way!!

I have found the contact extremely distressing as the last 12 months for me and my wife have been frankly devastating, I'm at my witts end!!

Hi there, i went bankrupt in may 2007, this year in january i received a letter from a company called aktiv kapital, advising that they were the collectors for halifax for the sum of £**,***, bla bla bla, basically the dept in question was part of my bankruptcy which was settled in may 2008, I've had 5 or 6 letters since, and I've repeatedly told them i went bankrupt, and that the halifax sum was included in my bankruptcy and gave them the bankruptcy details are halifax allowed to have done this???

ok, will get it sent recorded again when the post office opens later! thanks

nope, ctax bill is in the name of my wife, I have 0 bills! the only official things I do have with this address are my driving licence, passport and bank letters?!

hi I don't have any utility bills as I was made bankrupt in 2007, I was discharged in may 2008, since then I've been strangely debt free lol, (this debt was paid in full by me, long before I went bankrupt!) I will list every single one of my previous address for the last ten years! thanks

hello, this is my first post here, so there will probably be mistakes along the way but I'll try my best. I recently sent a SAR to hfc, this was replied to by them on 17/08/12 but not actually franked by them till the 22/08/12 and was received by myself today (my letter was dated and sent on the 10/08/12 and was signed for by them the next day. the letter says they need proof of my identity in form of copy of driving licence or passport, they also returned my £10 cheque and said once they have received a resubmitted claim with the extra info, their 40 days will start, is this right?? I no longer live at the address that I lived at when I had the loans with them (1 to pay off another of their loans by the looks of things) and I believe this is why I will probably have to supply them with the above, again, is this why?? they also put a line in that said "details of any account which has been closed over six years may no longer be held on our systems" I do have some paper work with relation to my loans that I had, but only found it last week, after I was given some personal belongings my mum found in her loft, unfortunately it isnt a great deal of paper work, though I can tell that i had what appears to be two loans, the second paying off the first, with ppi on both, and also health and life insurance on the second loan, it was a four year loan, which I paid off after only 6 months as my mum was horrified when she saw the 31%apr and £28.48 a month ppi payments! I am going to continue to pursue these people as even my mum can remember how horrible they were to deal with, and I remember being told that if I didn't take all the extras with the loan I wouldn't get the loan approved, ahhhh to be young and naive again!! that's all I can think of for now! i will post up my loan details if anyone thinks that would help? thanks Tony