MBNA - Aktiv Kapital x 2

[MIKE770]

Re: MBNA - Aktiv Kapital x 2

wow their usual generosity = NOT! chancers, must bonus time coming up for their illgotton frudulant games. get onto CCA1974 request, they threaten blood & thunder so stop them in their tracks if you can, their offers mean nothing to you only their pockets look at their site and see payment plans + discounts./?

[PlanB]

Re: MBNA - Aktiv Kapital x 2

At the risk of sounding cynical creditors tend to make discount offers when they know a debt may not be 'collectable' or enforceable in a court of law :wink: I don't think a 10% discount is enough to bite their hand off either.

How old are these MBNA debts (when did you open the accounts?) because Aktiv Kapital bought a book of MBNA's UE debts recently. If you send them a s.78 CCA request you can establish whether it's worth disputing these accounts. AK were reprimanded by the OFT for chasing disputed debts so they know when they have to back off:

http://www.oft.gov.uk/news-and-updat...ay?prid=755221

[JammyDodger41]

Re: MBNA - Aktiv Kapital x 2

With regards to the above, I have continued to make payments for both accounts since the last post.

I have today received a letter in relation to the smaller of the debts offering the following -

" Following a recent review of your Aktiv Kapital account we can see that you have been making payments to a money or advice agent. They have been forwarding your payments each time so we thank you for maintaining your arrangement.

We would like to reward your commitment by offering the opportunity to clear your account with a fantastic discount. You pay £2426.40 by the 30th April 2013. The remaining £269.60 will be cleared. You can settle your account with this discount and you will not have to pay for any remaining balance. This is a genuine offer to settle and guaranteed to save you ten percent of the amount due.

If you would like to accept this offer , payment must be received before 30th April. If you cant benefit from our offer at this time, please continue to make payments as you do now.

I am unable to make a payment of £2426.40 as they have suggested but assume that they now are willing ot negotiate on this. This is our smallest creditor and we had been hoping to make a Full and Final offer to them at some point this year.

Is it worth trying to enter into further negotiation with them at this time ? I could possibly offer them between £700 and £900 in the next few months to settle the debt which I know is significantly off of the figure they are requesting or shall I sit tight , continue with the arrangement and see if they make me another offer further down the line ?

Any advise much appreciated. Thankyou .