Re: account response reference: ******, issued on behalf of Aktiv Kapital (UK) Ltd (Barclays Bank Plc)
You have contacted me on behalf of Aktiv Kapital regarding the account with the above reference number, which you claim is owed by myself.
I would point out that I have no knowledge of any such debt being owed to Barclays Bank. For the avoidance of doubt I have never held an account with Barclays Bank Plc.
I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that this would be considered an unfair business practice under the Consumer Protection from Unfair Trading Regulations 2008.
I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.
Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.
I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.
I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.
Please also be aware that if any adverse entries have been made on my credit file in relation to this account legal action will be taken against you and appropriate damages sought.
I will not be telephoning you, at any time, so please do not put this as a request to me. I have done a lot of research at home, having received this letter today and it came as no surprise to me that many other people are seemingly in the same position as I am with regards to debts being chased by Aktiv Kapital (UK) that aren’t theirs. I am a professional person and work long hours in order to pay my bills. Consequently, I do not have time to waste on matters that have nothing to do with me. I do not owe the monies stated in your letter and have never had dealings with Barclays Bank Plc.
I look forward to your reply.