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About LuckY-13

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    Basic Account Holder
  1. Hi Andy, Thanks for this, my wages have increased since the AOE so with this in mind I cannot see any change now even with the wage cut this morning we have learnt we will be back on full pay from next month. I guess this has taught me not to ignore as I think the figures will show not over deducting. just a bitter pill to swallow as I do not remember the debts being so big.
  2. Hi Andy, Who would I approach for the AOE Would this be the courts or MBNA / Aktiv Kapital I had no idea this was so long ago in all honesty
  3. The claimant was Aktiv Kapital Portfolio as, ZUG BRA if this helps
  4. Good morning All, Today I have received the email from the Courts in respect the account held with MBNA confirmed. The information reads as : Claimant Claims: Credit Card Account Number ********************* Balance of £6'850.61 as of 31/01/2010. Interest under s69 of the County Court Act 1984 at the rate of 8% a year from the default date(s) to 21/2011 of £804.81 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of 1.50 and costs. The maths now show as Amount Claimed £7655.42 Court Fee £190.00 S
  5. Will work on this now and try send over to them for tonight, Thank you for all the help
  6. So once I have all the information I can contact MBNA ? and then try to go from there ? Thanks DX
  7. HI Brassnecked, Thanks and I think my credit is not affected either, Would i be able to reverse any excess unlawful charges if i cab obtain all the details from courts as I did email them yesterday for the full history as advised by dx100uk. I have paid well over half of this so called debt over the last 5 years and with taking a pay cut to help the business I work for its a bit tight at the moment. LuckY-13
  8. Yes 2015 May was my first payment and agreed the debt is somewhere before this, The Court were very helpful in given me all the information and a statement of the account yet Aktiv never responded to me with any details when requested these. I will email the court and ask for the above- yes I have moved around a few times since that account had been taken out. So the thinking is they could simply push on when they knew I was not responding ? Will let you know what the courts say as they were pretty quick last time I tried to resolve this issue T
  9. Good afternoon dx, The CCJ is not showing anywhere and I am trying to find this information as this is not listed on my credit report. The card I am thinking this was a very long time ago maybe from 17 years ago!? I wasn't aware of the debt until summoned from the courts at the address I was residing at this would not have been the account address, I do remember an MBNA account but I do not remember running up any debts to this amount as my credit limit would not have been so high. I am waiting back on IND to advise dates and confirm the Aktiv Kapital is the
  10. Hi Andyorch, Thank you for the welcome, Very much appreciated I did try to choose from the drop down box but only a few boxes were highlighted. Thanks for the help Lee
  11. Good afternoon All, I have joined the site as I am really needing some help on building my credit and may post a few as I have ignored many things in past but building for a better future now. with this in mind I have sourced as much information as possible on an AOE for a company called IND LTD. I have emailed contact in confirming the debt and to who it it was against. I believe this was an old MBNA account sold to Aktiv Kapital then to IND LTD. I will update as soon as I have all the details. I have pulled off the report and it shows Aktiv
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