I've not had any communication from IND yet. I contacted Experto Credite to open negotiations and was told it was now being handled by IND and given their number. I've spoken to them and theyve asked me to write or email with a settlement offer.

Thanks again for your help and for the template letter.

Thanks. Should I write to the latest in the chain of DCA's or Experto Credite who are named on my credit reference agency report?

I am trying to agree a full and final settlement for a debt which keeps moving from DCA to DCA. The original credit agreement was a Virgin MBNA card. The debt was being collected by RMA collections and a settlement figure of 3,500 agreed with payments at 150 per month (original balance 7,300) MBNA recalled the debt and sold it to Varde who refused to acknowledge any previous settlement with RMA or any payments made. Varde instructed Experto Credite to collect. Experto were unable to provide any CCA documents or comment on previous payments made and have in turn passed this to another DCA, called IND. I have spoken to IND and sought to negotiate a settlement bu they insist on the full balance which they now set at 10,300 with charges and interest. I have received a letter from Aktiv Kapital informing me that they have purchased the debt from Varde and wish Experto Credite to continue to collect on their behalf. I have an opportunity to settle this and can rais about 50% of the outstanding balance if only I knew who to pay it to. This debt accrued due to the actions of a family member who had authority to act on my behalf and was hidded from me for some time. It is a blot on my otherwise good credit history and I am looking to apply for a mortgage in the near future. Any advice on how to proceed gratefully received.