Hi, I need some advice on what to do next.
I have a defaulted MBNA debt which changed hands to Experto Credite.
I managed to fend off the phone calls for a time
then got a letter from Aktiv Kapital informing me they had purchased the debt from Varde Investments on 31/3/2012
and had requested Experto Credite to continue contacting me.
I then received 3 letters from CMC.
The first on 19/6/2012 was a Fantastic Offer to reduce my account by 50% if I agreed to an instalment plan.
The second on 7/7/2012 with which I was offered a choice of discounts depending on what sports I was interested in.
The third on 20/7/2012 was a final demand or else!
it got passed along to Scott & Co who seem to be getting a little heavier handed about it,
but referred on their letter as the debt being due to Experto.
The first from them on 3/10/2012 was a demand to settle the debt within 10 days.
The second on 18/10/2012 they had no alternative but to consider instructing legal proceedings.
I then decided to send off a CCA request which was sent on 30/11/2012.
I did not receive anything from them until 8/2/2013 which had a signed copy of an application form/credit agreement.
I now have a letter "Notice of intented court proceedings" with the creditor still listed as Experto.
If I send a SAR to MBNA to try and remove excess charges and PPI can they still initiate court proceedings?
Also, can they actually pursue this in court for Experto when Aktiv Kapital own the debt?
Any help would be appreciated.
