They have agreed to a token payment monthly to avoid the default. Much less than I was paying before. In reality it will never all be paid back at that rate. One question....what happens to the debt when I die? I will have nothing in my estate to take it from. A good result. Thank you.

Thank you again for your advice. Will check after 14 days, Must just say what a brilliant forum!!

Thank you.....I understand completely now. Aktiv have been very confusing to deal with....I do want to keep my overdraft as I am relying on it for another 12 months. Then when I get my pension I intend to pay it all off. I will pay what they say are my 3 missing payments in this case and continue to pay the agreed token payments.as before. Thank you for your help.

I am not inclined to pay them as I have not actually missed any payments...only the 3 they said need not be paid. They have moved the account to no more action to be taken and no collections to be made as paperwork is missing. So I dont have to pay. They are saying IF I pay they wont issue a default if I DONT they will. Was really just asking if they can issue a default if my account was on HOLD for 2 payments and then placed into no more collection activity for the third?

Is the account now in default if the only payments not made were....1. when the account was on HOLD. 2. when Aktiv said that no further collections would be made.?

The account was NOT in DEFAULT when it was sold to Aktiv. I was paying a negotiated and agreed reduced monthly payment and I had asked them for the CCA which was originally GOLDFISH. Barclays were unable to produce the documentation....next thing I knew they wrote to say they had passed it to Aktiv.

What is ICO?

I never did miss a payment so Barclays wouldnt have issued a default at all. I have always kept my payments up until Aktiv mailed me to say account on Hold and they would not be taking any further action or collections. Thats my point I have not defaulted. They told me not to pay. Barclays sold to aktiv when I asked for the original paperwork and it wasnt available.

Thank you for that....I do have an overdraft facility and a bank debit card...just wanted to be sure this would all be OK if I get the default. So you answered my question brilliantly....Thank you. I will not want a mortgage or other form of credit anyway so thats all good. I am argueing with Aktiv because the credit card debt is unenforceable...their words, and they have also said in writing that they will not make any further collections activity on the account. It has been removed from the collections process. They put the account on HOLD in April 2012 while they tried to obtain the CCA and told me in May2012 that they would not pursue payments further. So I have not paid since April following this information. Now they are saying if I dont have a payment plan in place they will DEFAULT me as I have missed payments? THEY TOLD ME NOT TO PAY SO HOW HAVE I DEFAULTED?? I dont understand what they are up to or even if its legal?? Should I write to them saying they are harassing me?

I have a letter from Aktiv telling me that as they cannot produce the documentation for a debt they purchased from Barclay card, that it is unenforceable. They have also said that their policy in thiese circumstances is to cease collections on this account. However they also say that as this is not yet in DEFAULT if I do not pay they will issue default procedures. My question...can they do this? Also....If they issue a default to credit ref agencies will my bank accounts be affected in any way? I understand the 6 year rule and the effect on obtaining credit...this does not worry me....but any problems with my bank account as a result would. Thank you.