Aktiv Capital Harrassment

[evee2000]

Getting increasingly frustrated by the non stop calls from AK.

 

Debt from about 15 plus years ago.

 

AK were writing about once every couple of months in the last year or two, asking for my repayment proposal.

 

I had been ignoring them, but decided to end it once and for all by requesting a copy of the CCA.

 

Letter received from them acknowledging that no CCA could be found.

I can't remember the exact wording (letter not to hand) but it was along the lines that no further action would be taken.

This was a good 6 months ago.

 

Out of the blue I have started to receive calls from them.

Several each day.

 

Today I received 4.

All of which either hung up when I answered or rang off after 2/3 rings.

Its pretty annoying to say the least.

 

I called them back today and requested that they stop calling as they are unable to prove the debt due to no CCA and that they were harrassing me.

 

Girl agreed to remove my number

 

. 1.5 hours later I get another call (they hung up).

 

2 hours later I get another call. I

 

'm really p*ssed off now.

 

What can I do please?

[BRIGADIER2JCS]

Hi welcome to CAG,

 

 

Some details please:

What was the original debt?

When was this defaulted?

When was the last payment/financial transaction?

Have you made a written acknowledgment of the debt.?

Have you checked credit reference file to see if the debt appears?

 

 

Even if the agreement is not "available" it does not been the debt does not exists, it remains collectable.

 

 

I'm guessing here that this could be statute barred or nearly so and AK want either to collect whatever they can or sell it off.

[Nottingham2013]

Probably statute barred, if so send statute barred letter and if they reply with anything other than saying it's the end of the matter immediately complain to Trading Standards and OFT. Request new number from your provider and when they contact you on that one claim you have never heard of you.

[BRIGADIER2JCS]

Probably statute barred, if so send statute barred letter and if they reply with anything other than saying it's the end of the matter immediately complain to Trading Standards and OFT. Request new number from your provider and when they contact you on that one claim you have never heard of you.

There is too little data to conclude that this is statute barred which is why I have asked the questions in post 2#

[Nottingham2013]

True Brigadier that's why I said if so. If it is I think it would be easier to make an official complaint and let them give them a telling off.

[evee2000]

Hi all and thanks for the welcome and the replies.

 

To answer your questions:

 

Some details please:

 

What was the original debt? Computer finance

 

When was this defaulted? Approx 1994

 

When was the last payment/financial transaction? Approx 1994

 

Have you made a written acknowledgment of the debt.? No acknowledgement in writing or over telephone

 

Have you checked credit reference file to see if the debt appears? Yes, and the debt does not appear

[Nottingham2013]

Without doubt statute barred. Send statute barred letter and if the don't say that's the end of the matter make complaints with the OFT and Trading standards or they will just come back again and again and again..

[Nottingham2013]

Make sure you send by recorded delivery.

[evee2000]

Thanks all

[BRIGADIER2JCS]

Please us the Statute Barred Letter from the CAG library for this.