I had two credit cards with MBNA,
I had problems making the full payments due to health issues,
I therefore paid them a token amount as suggested by "mymoneysteps" website.
After about 9 months they wrote to me and said that they were recording the accounts as in default.
They then (about 2 months later) wrote to me and said they had sold each debt to Aktiv Kapital.
I have continued making the token payments to MBNA and have ignored requests from MBNA
and Aktiv Kapital to make all future payments to Aktiv Kapital or corresponded with Aktiv Kapital in writing,