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    • We have spoken to DVLA and been told to write a letter with the details. Even though there is no address available it will be on record that she is no longer the keeper and that will be backdated to the time of sale.   I'm sorry I haven't addressed your questions. It's a Mini 07 registration 70,000 miles, service history, well maintained, bodywork perfect, 2 former owners MOT  December and recently serviced. Price £1900. As far as we are aware there were no other issues apart from the small oil leak - they are claiming there is oil all over their drive but there has never been any oil on our drive. (My daughter did suggest that they might not have screwed the oil cap on properly). In fact a local garage looked at it the day before the sale and their description of the leak was 'slightly damp'. It was advertised on Gumtree and Facebook Marketplace. The advertised price was £2250. There was no smell of burning oil when they test drove, nor had there been any such smell or fumes.
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    • Thank you for your responses. In terms of the vehicle, it is a 2010 volkswagen crafter which I purchased for £2500. It has 160,000 miles on the clock. But for its last MOT had 260,000 miles on the clock.  The reason I didnt check these bits and Bob's is due to the fact I have only bought new previous to this and being young I guess I was naive and trusting to a certain extent or should we say inexperienced in used vehicles.   He has several Van's listed and several more at his address also. I have his address yes, I'm unsure on ownership of said property.   I have pictures of all conversations between ourselves, I also now have written confirmation from a garage in regards to the forged service history I am awaiting a call off 2 others as I type this. I am now losing an extreme amount of money per day due to not being able to work or get the money back and this is seriously affecting my health already.   Apologies if i have missed anything out there I've tried to answer as best I can.
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itsallover

MBNA Debt - With Aktiv Kapital - HELP!!

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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 my credit file and really start rebuilding properly. What is the best way to do this and get rid of this & sort it out finally? I have a steady job now and in a better position to sort this out.

 

Any help is greatly appreciated - thank you so much.

Edited by itsallover

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ok next step is get an sar off to MBNA and get all the statements

 

lets look for PENALT charges & PPI.

 

as it stands here...

the whole debt will vanish off the file on the defaults 6th birthday

does not mean its not then owed, but that's the bottom line.

 

paying this debt off, will not, in most cases

result in it clearing or improving your rating any quicker.

 

there are some debt owners that will remove the default upon a F&F offer

AK is not usually one of them.

 

get the info 1st via sar

lets see what cards we are playing with first

 

have you ever sent AK a CCA request?

 

dx


..

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AK has a so called discounted payment plan, the longer it takes the less discount


:mad2::-x:jaw::sad:

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ok next step is get an sar off to MBNA and get all the statements

 

lets look for PENALT charges & PPI.

 

as it stands here...

the whole debt will vanish off the file on the defaults 6th birthday

does not mean its not then owed, but that's the bottom line.

 

paying this debt off, will not, in most cases

result in it clearing or improving your rating any quicker.

 

there are some debt owners that will remove the default upon a F&F offer

AK is not usually one of them.

 

get the info 1st via sar

lets see what cards we are playing with first

 

have you ever sent AK a CCA request?

 

dx

 

I have not sent them an SAR or CCA request.

 

I am prepared to do either if it helps. Which is best to send first, or should I send both at the same time?

 

Many thanks,

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get them done

 

ak cca don't sign it

 

mbna sar sign it

 

dx


..

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