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About hewhomustbeconfused

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  1. One card was taken out in 2002 the other in 2005, there are no penalty charges as MBNA suspended interest charges and I think I only ever had their free PPI that they offered for an introductory period.
  2. I have been reading on the internet about s.77/78 of the Consumer Credit Act 1974, OFT1272 suggests that in response to a CCA Request they don't have to produce an original and that a "true copy" can be an agreement and a statement that it was our policy to always have a signed agreement before setting up an account, so is a CCA Request any use?
  3. As I say I have not asked for a CCA or corresponded with Aktiv in anyway to date.
  4. 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, I be
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