Hi
Need advice . My partner received a letter from aktiv kapital and it said he had £12.000 outstanding debt and that if he would pay now he would only pay £7000.
We checked his credit score and it says that for the same amount there was a credit card account that first defaulted and then was satisfied.
We called aktiv kapital and they said they will try to find if and when payment was made . Our questions are firstly the credit card company does not exist anymore so how can they find the relevant paper work of the accounts . Even if they can prove that it wasn't paid of which some of it was paid as it shows on his credit report then how come they are only asking for £12000 ? Also why are they offering £7000 settlement if they can enforce whole amount ?Is this a scam where they don't have the information or is it for real ?
They have told us they are putting it all on hold pending investigation of paper work and why it is shown as satisfied on his credit report.
any ideas or advice is appreciated .
cheers
Need advice . My partner received a letter from aktiv kapital and it said he had £12.000 outstanding debt and that if he would pay now he would only pay £7000.
We checked his credit score and it says that for the same amount there was a credit card account that first defaulted and then was satisfied.
We called aktiv kapital and they said they will try to find if and when payment was made . Our questions are firstly the credit card company does not exist anymore so how can they find the relevant paper work of the accounts . Even if they can prove that it wasn't paid of which some of it was paid as it shows on his credit report then how come they are only asking for £12000 ? Also why are they offering £7000 settlement if they can enforce whole amount ?Is this a scam where they don't have the information or is it for real ?
They have told us they are putting it all on hold pending investigation of paper work and why it is shown as satisfied on his credit report.
any ideas or advice is appreciated .
cheers
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