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Aktiv Capital & Lloyds - Date of default


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Hi all,

 

I've just received a letter from Aktiv Kapital on behalf of Lloyds TSB, demanding I repay them £600 for an old overdraft that I ran away from when I was younger and less responsible (five years ago). I'm not disputing the debt, but I do have a question. Does anyone know how this is likely to appear on my credit report? Will it be a default, and if so, will it be dated from 2002, or from today? I've really been trying to clean up my act these last few years, if I get a fresh default I'll be really depressed! :( Does anyone have any tips about settling accounts with these people? I'd rather avoid giving them my phone number.

Thanks for any advice!

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Hi IRX28,

 

You don't say if the money that they are asking for is the original debt or is it an accumulation of charges. If it is charges start the process of reclaiming these back and offset the returns aginst the debt. If you read in here, http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/.Then start the process of reclaiming these unlawful charges.

 

As for the default the bank templates letter demands that these be removed,http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Good reading.

If my asvice helps please tip the scales bottom left.

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Thanks for the tips! Can I reclaim the charges if the debt has gone to Aktiv? And I'm a little concerned that too much quibble will turn them nasty, which is what they want, I'm sure.

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