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Aktiv Kapital chasing old outstanding balance after settlement :(
Came home to a nice letter from Aktiv Crapital, asking me to call their 0800 number to avoid a home visit. They say I have not responded to previous letters, but I haven't received any letters from them since 2008 or thereabouts! They are quoting a debt to First National which was the company that financed a laptop I bought in 2001/02. It was one of them one year interest free or 5 year high interest deals which I neglected to pay in one year and ended up defaulting on, but there wasn't much left to pay.
Aktiv Crapital bought the account in 2006/07, they used to ring non-stop, then they sent a letter, probably in 2007/08, saying if I paid £58 or something like that, they would write off the rest of the balance, which was around £150. Back in those days I had no idea how these things worked and I picked up the phone and made a debit card payment, thinking I'd settled the account. Later on I started getting letters from AK asking for the balance, which I ignored and the letters eventually stopped, until now.
The funny thing is they are doing the same thing all over again and saying I could be paying "as little as £20.21, which will be accepted as full payment" if I ring in the next 10 days!!! :rant: :rant: :rant: This was EXACTLY what I did 5 or so years ago! :mad2: :mad2:
This must be coming quite close to SBd which is why the sleeping dog has suddenly woken up, it wouldn't be SBd yet because my 'settlement' would have been made late 2007 or 2008 but the amount is so small, it's hardly worth the bother.
I have a mind to just send them a 'prove it' letter and see what they come up with... :confused2:
Although the amounts are rather small, this has been quite a lesson for me: never deal with DCAs over the phone, even less so when it comes to F&F settlements! :mad2: :mad2:
Aktiv Crapital bought the account in 2006/07, they used to ring non-stop, then they sent a letter, probably in 2007/08, saying if I paid £58 or something like that, they would write off the rest of the balance, which was around £150. Back in those days I had no idea how these things worked and I picked up the phone and made a debit card payment, thinking I'd settled the account. Later on I started getting letters from AK asking for the balance, which I ignored and the letters eventually stopped, until now.
The funny thing is they are doing the same thing all over again and saying I could be paying "as little as £20.21, which will be accepted as full payment" if I ring in the next 10 days!!! :rant: :rant: :rant: This was EXACTLY what I did 5 or so years ago! :mad2: :mad2:
This must be coming quite close to SBd which is why the sleeping dog has suddenly woken up, it wouldn't be SBd yet because my 'settlement' would have been made late 2007 or 2008 but the amount is so small, it's hardly worth the bother.
I have a mind to just send them a 'prove it' letter and see what they come up with... :confused2:
Although the amounts are rather small, this has been quite a lesson for me: never deal with DCAs over the phone, even less so when it comes to F&F settlements! :mad2: :mad2:
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