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  1. Hi, I have received a letter from Buchanan Clark & wells titled Formal demand on behalf of their client aktiv capital this is a an MBNA debt from late 2011 it already has a default registred from MBNA on my credit file Is this a statutory demand? which could lead to bankruptcy, i don't have a job or any valuables to say the least since i was made redundant in 2011, but i am worried nonetheless , the letter goes on to say that they are unaware of any legitimate reasons of not paying and they may recommend legal action and to contact them immediately any advise on how to respond is much appreciated. Please help
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