AKTIV KAPITAL - who what and why??

[BitchPeas]

Have just logged into online banking to set up a standing order. Was checking through all my payments (DDs and SOs) right at the top was a direct debit set up for AKTIV KAPITAL UK, but with no date and no amount? So I cancelled it, and phoned the bank as I had never heard of them and never set it up. When I was waiting on hold I googled them and it turns out they are a debt collector? And a pretty under hand one at that!

Now I'm stressed! I have had no letters from anyone, I have one credit card and a car loan which are all up to date, I have checked my credit report and everything is good, no missed payments defaults etc. I have no idea who I could possibly have debt with and how the hell have they got my bank account details and set up a DD without my knowledge
The bank were useless, and couldn't tell me anything.

Is this identity fraud? Should I contact someone? Even though they didn't take any money? So stressed right now!

If you have a forgotten about debt from years ago, they can sell on bank details. Not supposed to set up a dd without permission nonetheless. Could be a bill that went unpaid when you moved or something, may not be a credit card or loan.

First check your credit report using noddle (it's free for life) and see if there is anything on there.

Ask your bank for a copy of the direct debit mandate used to set it up, there should be a reference number on it.

You could then call AK to see what they have on you. Don't give them any info except the DD reference number though - no address or anything and withod your number.

Or you could leave it and see what happens. They'll write if they think you owe anything. Personally I would check noddle, then leave it. Regularly check DD's on online banking though.

Try mse forums if it turns out there is a debt and it's not yours but is in your name.

Thanks tintin. I phoned AK and they said ummm we don't know. called barclays back and spoke to
Someone more helpful who straight away said ahh I'll put a block on it for the next 13 months don't worry. so I don't know if it's a regular thing they try.

Wrt credit, I've been with orange (ee) since I got a contract phone never had a problem, had a loan with barclays settled 2 years ago, no problems, have a credit card and car loan now, all no problem, been over my credit report with a fine tooth comb and am racking my brain and there is nothing I can think of! Oh well I'll just wait and see if they get in touch via letter.

Hello Bitch Peas, on the same day as you the 19th, I also logged into my online banking and found a direct debit had been set up for this company Aktiv Kapital. I called them and they said it was regarding my All In One Finance loan that I got when I brought a car from car craft in 2013. My direct debt with All In One Finance is still active and I have never missed or had a late payment so I'm not sure why AK have taken it into their hands to set up a direct debit without me knowing. As with you, there was no set amount or date so I have no idea how much it was for. By bank and All In One Finance were more than useless when I called them and AK won't tell me anything other than it's regarding my All In One Finance debt. I have no idea what to do. I've cancelled the direct debit so I guess I just sit and wait.

Anonymous I have an answer!!

Called all in one as I have car fiancé with them too, they rang me back and said it's completely legit, as Aktiv Kapital have take over all
In one finance so they new direct debit will start as Aktiv Kapital in August, apparently NO letters have been sent out about this due to an admin error so they are getting hundreds of phone calls. He was very nice and very apologetic and said cancel the all in one direct debit and call the bank to
Reinstate the Aktiv Kapital one and it will start from august. loads of stress for nothing!!

Was just about to update you with the same information.
Was it Sam you spoke to?
I'm still a bit unsure so I haven't reinstate and won't until I have written confirmation which I told him..

But I'm sure we will both sleep easier tonight now.