Tweet
Hi,
Please help as i am very worried about the situation. I would like to battle through it after a very bad period in my life.
I have received a Court Claim and i need to confirm AoS by tomorrow. I believe I can do that online or via email. (Northampton CCBC)
Aktiv Kapital have been harrassing me with calls during the past few weeks - I would answer calls and tell them to send me details and communicate in writing. Numerous calls followed - few a day at times. Very stressfull.
28th Oct 2013 - Received a letter from IND (PO Box - Peterborough address)
THe letter was simply saying - please see statement of your account with Aktiv. There is only one entry - ie the outstanding balance. £9xxx.00. Also stating the amount is seriously overdue and must make payment immediately.
The statement has 'Creditor' as Aktiv and 'Original creditor' as MBNA.
Default date: 31/12/2009
29th Oct 2013 - Letter from IND - Last letter before legal proceedings.
Letter stating some details - such as MBNA has assigned to Aktiv full amount owed with effect 29/2/2012.
Active has appointed IND Ltd to collect this balance on its behalf.
Its asking for immediate payment - or would start legal proceedings - outlining interest and court fees etc. Also stating that the court proceedings would start on 13/11/2013
There is also a paragraph stating that "on behalf of Aktiv we will comply with any request for a copy of personal information that we hold about you. To request please send sae wth admin fee of £10.
I received the Court Claim form dated 20th Nov 2013
Claimant: Aktiv Kapital (address Switzerland)
Address for return docs or payments: Hegarty LLP
PoC
The claimant is the assignee of a debt(s) due to the realtion to a/various Credit Agreement(s) regulated by the Consumer Credit Act 1974 enetered into between MBNA Europe Bank Ltd and the Defendant. Notic of Assignment was provided to the Defendant by Claimant in writing. The agreement(s) was/were terminated upon the Defendant failure to comply with the terms of the Agreement(s) and or the statutory Notice of Deafult served by MBNA europe bank ltd. The claimant complied with Section lll and lV and annex B of the PD pre-action conduct.
And the Claimant Claims:
Credit card account number: xxxxxxxxxxxx balance £9xxx.xx as of 31/12/09.
Interest under s69 of the county court act 1984 at the rate of 8% a year from the deafult date(s) to 20/11/13 of £2xxx.00 and also interest at the same rate up to the date of judgment or earlier payment at daily rate of 1.xx and costs.
Looking at the credit report - the start date is 20/08/2002. no payment has been made to aktiv.
Can you please help as to what i can do. Procedure etc. Would they still have the original agreement etc from 2002?
Any help would be appreciated.
Kind regards
HB
Please help as i am very worried about the situation. I would like to battle through it after a very bad period in my life.
I have received a Court Claim and i need to confirm AoS by tomorrow. I believe I can do that online or via email. (Northampton CCBC)
Aktiv Kapital have been harrassing me with calls during the past few weeks - I would answer calls and tell them to send me details and communicate in writing. Numerous calls followed - few a day at times. Very stressfull.
28th Oct 2013 - Received a letter from IND (PO Box - Peterborough address)
THe letter was simply saying - please see statement of your account with Aktiv. There is only one entry - ie the outstanding balance. £9xxx.00. Also stating the amount is seriously overdue and must make payment immediately.
The statement has 'Creditor' as Aktiv and 'Original creditor' as MBNA.
Default date: 31/12/2009
29th Oct 2013 - Letter from IND - Last letter before legal proceedings.
Letter stating some details - such as MBNA has assigned to Aktiv full amount owed with effect 29/2/2012.
Active has appointed IND Ltd to collect this balance on its behalf.
Its asking for immediate payment - or would start legal proceedings - outlining interest and court fees etc. Also stating that the court proceedings would start on 13/11/2013
There is also a paragraph stating that "on behalf of Aktiv we will comply with any request for a copy of personal information that we hold about you. To request please send sae wth admin fee of £10.
I received the Court Claim form dated 20th Nov 2013
Claimant: Aktiv Kapital (address Switzerland)
Address for return docs or payments: Hegarty LLP
PoC
The claimant is the assignee of a debt(s) due to the realtion to a/various Credit Agreement(s) regulated by the Consumer Credit Act 1974 enetered into between MBNA Europe Bank Ltd and the Defendant. Notic of Assignment was provided to the Defendant by Claimant in writing. The agreement(s) was/were terminated upon the Defendant failure to comply with the terms of the Agreement(s) and or the statutory Notice of Deafult served by MBNA europe bank ltd. The claimant complied with Section lll and lV and annex B of the PD pre-action conduct.
And the Claimant Claims:
Credit card account number: xxxxxxxxxxxx balance £9xxx.xx as of 31/12/09.
Interest under s69 of the county court act 1984 at the rate of 8% a year from the deafult date(s) to 20/11/13 of £2xxx.00 and also interest at the same rate up to the date of judgment or earlier payment at daily rate of 1.xx and costs.
Looking at the credit report - the start date is 20/08/2002. no payment has been made to aktiv.
Can you please help as to what i can do. Procedure etc. Would they still have the original agreement etc from 2002?
Any help would be appreciated.
Kind regards
HB
Comment