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About Me


  1. Here's my summarised situation. I'd like any advice on how I should proceed now. Took out a Credit Card with MBNA in 1999 Through their unscrupulous lending, my own stupidity & intermittent mental health issues, I ran up a debt that I couldn't pay off I started to have problems meeting my minimum monthly payments in 2010, and requested a temporary interest freeze when it got really bad (thought this was 2011, but now realise it was probably 2012... further explanation below) to help me to sort our my finances. This request was ignored. After sever
  2. Credit Card-MBNA -Account start date 05/2006, defaulted -06/2010 at £6550. Noddle currently shows that I owe : £5250. I found a letter dated 01/09/2010 from Experto Credite advising me that Varde Investments(Ireland) Limited has bought the interest of MBNA Europe Banks Limited and they are legal owner of my account. ‘Under the terms of assignment Experto Credite Ltd has been appointed by Varde to recover any and all outstanding sums.’ I paid Experto Credite £20 on monthly basis until Aktiv Capital contacted me to inform me that they have taken over my account.
  3. Yesterday I began receiving phone calls from a 0203 number, which turns out to be PRA Group Debt Collectors (Aktiv Kapitol). They are now bombarding me with calls (even the number is on auto reject) and automated voice mails requesting I call them. I used to have dealings with Aktiv over an old HSBC debt which passed in statute bared status over a year ago (if not longer). I won't answer these calls and will only deal with them in writing (if I have to contact them at all) but other than that what can I do? I am unable to pay off the debt (and it is unlikely I ever
  4. I've been a member for some time and though have used a lot of the advice found here (thanks) but this is my first post. I need some urgent advice please. I took out an Aqua Credit card back in 2006 which fell into arrears after in 2011 I unfortunately became unemployed and could not repay. The CCA agreement has Halifax Plc as the creditor. The debt was sold on and a court Claim was issued by Aktiv last year for £1700. The particulars of claim states that the credit agreement was with Progressive Credit Limited, and that the account was assigned fro
  5. Hi all I had two ccj debts with Aktiv Kapital which have now both passed the 6 year point. Both had interim charging orders on my house. I paid off one of about £3k and had the charging order removed. They very kindly also sent me a receipt to show that the other debt was clear (which it wasn't) I forwarded that to the court and had the other charging order removed. I moved house a year ago and I am still paying £20 a month to Aktiv Kapital. Any thoughts about what they could do if I stop these monthly payments? The CCJ wasn't really settled altho
  6. Hi guy's, Firstly, what a fantastic forum! It's great to see people helping others through bad times. I have a question regarding a cca request I sent to Aktiv Kapital in relation to a defaulted credit card debt they purchased from mbna. They have eventually sent me a signed agreement but they did not supply it in the necessary time scales (took 12 weeks!), and there is no credit limit stated on the agreement. Is this debt still enforceable? I read somewhere that if they failed to supply a cca within 12+2 days + 30 days (something like that!) that a deb
  7. Hi all, I'm new to posting on this forum so please be gentle with me if all this has been done before. I've spent the last few days reading various threads on this issue but my head's now spinning!! Any help, advise or pointing in the right direction would be greatly appreciated. Back in October 2009 when I was in a financial black hole, I foolishly sold an MBNA CC Debt to Credit Card Killer/Momentum Networks. (That's a story in itself) Since then I've had the expected phone calls, letters, defaults, assignments to DCA which have been on-going, most of which I
  8. CCA Letter sent to Aktiv Kapital. Let's see if they reply. Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789
  9. Wonder if anyone give me some help, Possibly Andyorch My wife received a County Court Claima few days ago Reference a MBNA (Virgin Card) POC Below The Claimant claims the sum of £ xxxxx.xx for debt and interest. On 24/2/2003 then defendant entered into an agreement with MBNA for a credit card under reference XXXXXXXXXXXXX. On 31/12/2009 the defendant defaulted on the agreement with an outstanding balance of £ xxxx.xx. On 28/01/10 the debt of £xxxx.xx was assigned to Varde Investments (Ireland)Ltd, who its self assigned the debt to Aktiv Kapital Por
  10. I recently completed a SAR request with Welcome Finance. I wrote to them to challenge the charges on the account, and their total charges are pretty much the full value of the outstanding amount so I was hoping to finally rib myself of this debt. I received a letter from Welcome saying it would take 8 weeks to process the complaint (fairly standard from seeing other posts on the forum). But I also received a letter saying the outstanding balance has been sold onto Aktiv Kapital (UK) Ltd! Does anyone know where I stand now? What happens if a debt is sold but the charges on the or
  11. Hi I have had some great advice from viewing previous threads with regard to getting debts I had written off from HFC and Barclaycard/Lowell by going down the SAR route, but I have a different issue which I havent been able to find anything about........ I had a flexaccount with Nationwide which I last used approx 5 years ago at least, it had an overdraft which spiralled to £902 mainly I believe made up of unauthorised overdraft charges. This debt has been sold to Aktiv Kapital who have recently started sending me letters and phoning (though at present it is only once a day - I k
  12. ladaniva

    mbna aktiv

    what a joke 6 years ago got in to trouble just like other people sent all letters to mbna turned down all offers of lower payment sent final response letter - i see you in courts no reply been taken to count by aktiv never had any letters from this company at all , taken to court in the other side of the country had a attachment of earning order made against me went to court fill from in put offer of £10.0 in the court said i had put £100 in the box there was a point in there £100 from my pay, court told this debt is my wife to ??
  13. Hello The Consumer Forum, I hope someone can give me some advice regarding what to do next with Ativ Kapital. (I apologise in advance for the long question) When I split up with my wife in 2000 I must admit to not looking after my finances, consequently quite a few non secured loans went into default, I know I had made sporadic payments over the years, usually after they had found me at one of my many moves over the folowing years. I had started making regular payments (5 debts x £15.00 each) in 2007 - 8 and had been paying this right up to last year. How
  14. Hi everyone, Great site with lots of information but I wanted to clarify the followiong. I got a CCJ claim from Hegarty acting for Aktiv Kapital on 20/05/14 for a MBNA Credit card (POC attached) I had a few years ago and fell behind on payments (A dark period) I have acknowledged service and sent a CPR 31.14 request and CCA request. I then received the attached letter. My question: Do I have to agree the extention and is it in my best interest to do so? Any info greatfully received PS. I posted here first, because I wasn't sure where to post this thread, Sorry fee
  15. Hi all, j ust received a claim for an old disputed CC and having not looked at the forum for a while could do with some up to date help. Details as follows Name of Claimant : AKTIV KAPITAL PORTFOLIO AS ZUG BRANCH Date of Issue: 13th May 2014. Acknowledge by (+19 Days): Sunday 1st June 2014 Defence By (33 Days) : Saturday 14th June 2014 Paticulars of Claim: The claimant claims the sum of 3,827 for debt and interest. On 21/05/2005 the defendant entered into an agreement with MBNA for a credit card under reference XXX
  16. Hi folks, Today I received an N1 CPC from Northampton County Court Bulk Centre in relation to an MBNA card I took out around 2007. I stopped paying them in around April 2009 and whilst not sure of the default date, it was either late 2009 or early 2010. I have not yet sent an SAR request and truth be told have received hardly any paperwork, the last was a statement from AK yesterday "reminding" me as to the balance. I do not recollect receiving a letter before action and that the statement that come yesterday contained no mention of court proceedings. The claim form s
  17. Getting increasingly frustrated by the non stop calls from AK. Debt from about 15 plus years ago. AK were writing about once every couple of months in the last year or two, asking for my repayment proposal. I had been ignoring them, but decided to end it once and for all by requesting a copy of the CCA. Letter received from them acknowledging that no CCA could be found. I can't remember the exact wording (letter not to hand) but it was along the lines that no further action would be taken. This was a good 6 months ago. Out of the blue I have started t
  18. Hi, I am just starting out with all of this and I am finding it a little overwhelming but I wonder if anyone can help me with a debt that I have. I was seriously ill etc ... and was made redundant on medical grounds in 2010. I defaulted on my Lloyds TSB bank account which had an overdraft on it. I now owe them £2282 and I pay £5 per month on a repayment plan. I really want to sort out this debt and the site team said to start a new thread. They have said that I should possible just stop paying AK but I am not sure what this means. Can anybody he
  19. http://www.credittoday.co.uk/article/16721/online-news/pra-snaps-up-aktiv Credit Today; And another DCA is snapped up
  20. Hello All, I posted some time ago about some potential debt issues and was advised to get my current credit report and then post in the corresponding forum for that debt. I have done that, and now I really need to know how to solve it. ANY help would be greatly appreciated! Basically, I have four things on my credit file which are defaulted and I need to get rid of one way or another. One of them is MBNA. Credit Card from MBNA - with Aktiv Kapital Current Balance £17xx Default/Delinquent Balance £22xx Default Date 11/2009 Opening Date 03/2007 I need to clear
  21. Have no idea were this debt has come from it was £70 now Rossendales have it,it is now £361.65, this debt is at least five years old ,(4 years)because we have been out of the country. Plus we no longer live at the address that the debt letters are been sent to, saying we need to get in touch in 7 days or else. Not sure I want this bill to get bigger and bigger, but thought it was a con of some sort in the beginning. But feel like getting in touch now is pointless and will fuel there debt collecting fire:!:
  22. 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
  23. Hi all, new here and hoping for some advice with ref to an MBNA credit card. The card was taken out in 2006 according to my CreditExpert file. I think the account was transferred to Experto around 2009/2010, at least I have a letter from them dated Oct 2010. Around this time I was struggling hugely financially and I was receiving letters regarding various debts on an almost daily basis. I have letters from Experto Credite, Credit Management Consultants and Aktiv Kapital since then until the present time, various threats, discounts offered (which I hadnt been in a f
  24. I have been getting debt letters re the above for the past 3 years for a debt I know nothing about, there is nothing on my credit report, and all I can imagine it relates to is something from 19 years ago, which I am sure I settled before moving to my current hour 10 years ago debt free. I sent them a CCA request 2 weeks ago, and received the following response; We refer to your request for documentation relating to the above account. As we previously advised, AK is not in possession of the documents and we therefore put forward the request to the original creditor. U
  25. Hi Guys need your help soonMBNA card £7k. Assigned to Aktiv Kapital now in CCBC. I have done the acknowledgment of service online. I need to do the defence. MBNA initially offered a settle figure which was half the amount of the account. I couldnt pay at the time and still cant pay it all. I offered Aktiv kapital a lower sum but they wont agree and now have gone to CCBC. Aktiv kaptal have harrased me for some 6 months with daily phonecalls and voicemails. They use blocked number, unknown numbers , mobiles etc. They then sent it to soeone called Tempus solutions who did they same.What are my op
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