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Active kapital using my address

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  • Active kapital using my address

    Hi, I'm new to all this but I'm at my wits end. Since 2007 active kapital and their subsidiaries have been sending mail to my house for someone who doesn't live there. I've sent it back not known at this address and it carried on coming (even getting sent back in bulk in 1 envelope), I've opened the mail and contacted them yo be hold it's not mine so don't open it, but that they'd take my address of the list. I've ignored it again, every so often informing them that the person has never lived at my addres. I've been told oh well he's the previous owner which gets them on the backfoot when I tell them I bought the property new.

    in May this year I noticed I was getting an influx of letters yo this person, so I complained to the banks involved (with one admitting in one letter and denying in another that they were responsible for linking this person to my address). The banks have apologised and have said they will endeavour for this not to happen again. However active kapital have denied any wrong doing even though they knew this person didn't live at my address, they are blaming their tracing department but are refusing yo tell me who that are. They have admitted "contemplating" sending people to my home with no proof of residence except from an unmanned tracing agent. In the same letter from active kapital they have admitted on 3 occasions they have ignored information on their system that this person has not lived at my address

    I dont know where to turn next, I'm not happy with their response or their lack of information, surely I have a right to know who is selling my address to these people with no evidence this person lived there.

    if you can help id be grateful
    Tags: None

  • #2
    Re: Active kapital using my address

    Hi Samos and welcome to Legal Beagles.

    From what you have said, it would probably be wise that you contact the Information Commissioner's Office (ICO) for guidance on the data protection issues. As a data controller, the banks and debt collection agencies have a duty to ensure any electronic and manual records in their possession are accurate and up-to-date. Go to www.ico.gov.uk and there you will find the telephone number of the ICO's helpline. Please be aware that the helpline can get busy at time, so please be patient if you cannot get through straight away.

    As far as Aktiv Kapital are concerned, from what you have said, it sounds very much to me that they are in breach of OFT Debt Collection Guidelines. This should be reported to the OFT's Credit Fitness Team. Send an email to enquiries@oft.gov.uk and insert the words "Credit Fitness" in the subject box of your email browser. I am attaching a copy of the OFT Debt Collection Guidelines. List all breaches in your email to OFT.
    Attached Files
    Life is a journey on which we all travel, sometimes together, but never alone.

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    • #3
      Re: Active kapital using my address

      Thank you, to be fair the banks have been great more likely as they were in the wrong, Aktive Kapital are just arrogant and assume I'll go away!! I have already complained to the Oft and Fos but not the ICO yet. I will speak to the OFT again and hopefully I can get somewhere

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      • #4
        Re: Active kapital using my address

        OFT deals with matters of credit licensing, which includes debt collection. The ICO deals with matters of data protection. See what the ICO says about Aktiv Kapital's failure to act on what is clearly inaccurate data.
        Life is a journey on which we all travel, sometimes together, but never alone.

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        • #5
          Re: Active kapital using my address

          Originally posted by Samos View Post
          an unmanned tracing agent.
          The poor chap.

          Has he tried Viagra? msl:

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          • #6
            Re: Active kapital using my address

            Originally posted by CleverClogs View Post
            The poor chap.

            Has he tried Viagra? msl:
            Ha ha oops stupid auto spell

            Comment


            • #7
              Re: Active kapital using my address

              Oh, you meant he was unnamed?

              Comment

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