Collection Agencies - Aktiv Kapital Harassment - Canada

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RE: Aktiv Kapital Harassment

Postby zacksdad2012 » Mon Nov 26, 2012 12:19:26 PM

What puzzles me is what is the point of their constant bothering people. If someone has not paid them in 5-10 -15 years etc do they really think they will get anything.I understand that is their MO to try and get people to pay but really after years of letters with the cost of mail at what point do they wake up and finally figure out there is no money coming their way. I have been receiving letters from them offering to settle at leas 4 times a year for 6 years now and what are they thinking that all of sudden i will pay. I have worked at paying off original creditors but will not give a cent to any debt buyer that thinks for a few dollars they buy a debt and then offer to reduce a 4000.00 debt to half and think they are doing me a favor. However i guess with Canada post losing so much mail to the internet its nice to see Aktiv is helping them out.
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RE: Aktiv Kapital Harassment

Postby TJ.brooks » Thu Oct 25, 2012 01:49:04 PM

Periodically check both your credit reports to ensure they do not try to slip a default judgment past you. Unlikely now but not un heard of.
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RE: Aktiv Kapital Harassment

Postby johnsmith1 » Thu Oct 25, 2012 01:28:41 PM

Honestly that's crazy...everyone needs to make a living, I get it but give it up already. As you stated, I will continue to ignore both letters and calls until they get the point...if they get the point.

Thank you.
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RE: Aktiv Kapital Harassment

Postby TJ.brooks » Thu Oct 25, 2012 01:17:44 PM

Sadly in Ontario, debts are not extinguished after the SOL runs out.....the debt can follow you to the grave, and even then some hound the survivors.

Again simply ignore it will stop for a time and then perhaps resurface a few years later.....hopefully for you another 19.
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RE: Aktiv Kapital Harassment

Postby johnsmith1 » Thu Oct 25, 2012 01:11:39 PM

The province is Ontario.
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RE: Aktiv Kapital Harassment

Postby TJ.brooks » Thu Oct 25, 2012 01:09:45 PM

No law in Canada says you must talk to them...simply hang up, eventually they will move on as there is no commission in hang up calls.
They could and probably will sell the file to someone even lower on the food chain and it will start again. Unless you live in BC or Nfld there is really no way to stop them as the debt still exists ,even if they can not use the courts to collect it.
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RE: Aktiv Kapital Harassment

Postby TJ.brooks » Thu Oct 25, 2012 01:03:15 PM

what province did this loan occur?
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Aktiv Kapital Harassment

Postby johnsmith1 » Thu Oct 25, 2012 12:59:04 PM

Hello,

A family member needed assistance on a loan 19 years which I co-signed back (1996). Sufficient to say they did not make their payments, the debt went to collections and it affected both of our credits for 7 years (they applied for bankruptcy due to overall bad credit. I dealt with it and repaired my credit).

It appears this debt was sold to Aktiv Kapital who for the last 5 years or more, have been trying to collect it from me. They sent letters offering 80% off the debt and call my cell phone, none of which I have ever responded to or even answered. Just recently they called me at work for the first time which was a big surprise. I did not give them any information, asked who I was speaking with, how they got this number (my credit report) and told them not to call me back or I will take legal action (they haven’t called back but still call my cell phone).

Is there anything at all I can do rid these people from harassing me or am I stuck with them forever? I know they have no legal leg to stand on at this time but do they ever give up or is there anything I can do? Please help.
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