I had a virgin credit card which I stopped payiing last autumn2012 due to financial difficulties.
They sent me a letter around xmas time to say they had passed my debt on to Aktiv Capital.
Around a month later I started getting frequent calls from Aktiv Capital, but just kept fobbing them off, saying they had phoned at an inconvenient time.
After reading one of your blogs
I refused to give them information over the phone.
That very day I received a letter from them asking for the full amount.
Activ phoned me again that afternoon saying they had sent at least two letters,
and that I had to deal with them over the phone as that it is how they always deal with customers.
They suggested (even though I wouldn't comment) that I pay the amount in full, or if not over 3 monthly payments.
I did comment that if I had been able to then I would have paid Virgin, but I wanted to see
comunication in writing before agreeing to comment further !
HELP !! what should i do now please.