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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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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