ok thanks for all your help dx100 I now understand were im going with this

thank you so much for the time and effort much appreciated

will keep you informed

ok thank you, so I send the data protection act with ten pounds to mbna

write the letter to bum cleaners

and await the returns

sorry im a little confused on this bit

not much just a little

thanks dx100

iv looked at the terms and agreements closer theres nothing to say they can sell the debt on to a third party

plus I think this is just a photo copy because parts 1 to 19 are missing ?

does this mean I have to pay even though I have no agreement with aktiv capital

also I don't have many statements only last years one for ppi

and how do I stand for payments to them im really in a dire position at the moment finacialy

sorry I meant legally what can they do if I wasn't to pay

sorry dxioo I didn't understand what you said about the agreement etc

good thing about it is I now have a printer/scanner working and im also more knowledgeable how to convert files big thank you dx100 lol

hi dx100uk I think iv done it right

but 2 previous letters haven't uploaded but these may be enough

thank you

hi dx100uk im just coverting them to pdf

thanks for all your help much appreciated

iv just found a old printer /scanner now just going to find the software disk thanks

thank you dx100 I don't have a scanner but I have a camera would that be ok

hi sorry but im real confused now and am really worried about it all but something seem not right though

thank you

the date aktiv received our registered letter was 11/12/12 .

we posted on the 7/12/12

we never received any response till the 14th of January 2013 then 17th 2013

can I also ask don't I need a contract with aktiv capital as well

hi

this morning I got a letter from active capital with a photo copy of the original cca

it looks like to me

im ...wondering how they got it though and im a bit confused by all this,

its just the page with my signature on

work place

bank details

the signatures definatley mine

at first they said they were looking in to it

then said they contacted mbna ,

who said due to the age they couldn't supply it

aktiv didn't have it now they have it

..im wondering if they haven't supplied by the 14 days whether its now void also

the agreement with mbna started on 09 04 2003

had the card and kept up the payments till November 2011

then aktiv capital contacted us in april

please help

thank you den

hello hb nice to speak to you

yes iv got a superfast responce to my thread and I am up an running

and already feel less stressed .. thanks again to all

have a good evening

hi dx100uk

I had the card for 11 years , but only in November 2011 that I stopped making the full payments due to redundancy

thank you cerberusalert for your fast respone il have it in the mail Wednesday to aktiv

big thanks again

just a hello and thank you for this site

A vast list of information a big thank you in advance to all who help and contribute in these hard times

thank you

hi im new here and would like some advice please

last year in November 2011 I was made redundant after 25 years

I found myself with debt building up under so much pressure and the unemployment was really no help at all

But to get to my point, is that I had a credit card with mbna which I couldn't afford the payments

mbna made me make a payment of £1 per month

6 months later the debt had been sold to aktiv capital

we had the harassing phone calls and letters

I never admitted the debt to aktiv in anyway and told them I only deal with letters

on the 6th of December I sent them the letter as advised by cga ,I sent the credit agreement act 1974

sent with a postal order requesting the credit agreement , with no signature from me etc

iv now received 2 letters from aktiv kapital one on the 14th January 2013 stating that they cant supply the agreement at this time and the account is on hold

the second letter dated the 17th January 2013 from aktiv it states they cant supply the information I requested ,and they await my proposal ?

im really confused as to what I do next please help

hope iv posted in the correct forum forgive me if not

thank you den