aktiv kapital chasing old nationwide credit card debt

[edlowe]

Hello to everybody,

apologies but this is my first post on this forum

and I need some advise regarding a debt that has been passed onto aktiv kapital,

 

in 2009 I lost my job and was unable to make my credit card payments to nationwide.

 

I received this letter back in june 2009

 

Current balance: £782.64

Credit limit: £1100.00

Past due: £523.47

 

'Our records show that your account is currently three months in arrears.

In line with the terms and conditions of your account,

the payment protection insurance cover has now been cancelled and no further periums will be collected'

 

On the 10th of this month (april) I received a settlement offer from aktiv kapitol for an outstanding balance of £782.64

 

Over the past week whilst I have been at work (9-5) my parents home in which I reside has received numourous calls each day.

 

Today alone they have received 7 calls.

Each time they have informed the caller that I am unavailable until after 5

 

I have been concerned about calling ativ kapital due to previous problems with a previous firm

 

I am looking for any advice as how to proceed.

 

I have v.limited funds and do not want to be pressured into a high monthly payment.

 

Any help would greatly be appreciated

[i hate bailiffs]

Discount something not right

What is the debt about?credit card?

 

What does your credit file show

[edlowe]

Im looking at getting my credit report tomorrow

 

The debt relates to a creditcard I relied on too much once my wages stopped wilst I waited on jsa.

[dx100uk]

time to get all the statements from nationwide via an SAR

 

and get reclaiming the PPI

 

prob wipe the debt

 

dx

[edlowe]

Cheers for the advice will get a letter off to nationwide tomorrow, didnt think id be able to claim ppi but have checked the helpful links and will put it in process.

 

Should I ring ativ kapitol and inform them to only contact me by post? I dont really want to get bogged down in any repayment debate just yet.

 

Thanks

 

Ed

[dx100uk]

never ever ring a fleecing dca

 

they are NOT BAILIFFS

 

and have NO SUCH LEGAL POWERS

dx

[edlowe]

Hi quick question if anybody can help i'm looking at using noodle to get my credit information but its asking for card details. Is it safe to give them this information, no risk?

[dx100uk]

yes

just for verification purposes only

 

dx

[edlowe]

Thanks!

 

Checked my credit report:

 

The credit card was under closed accounts with the status satifisfied.

Current balance £0

 

Account openned :20/01/2006

Account end date 28/03/2013

Date of Default 31/05/2007

Default balance £1268

 

Wondering how this relates to the £782.64 being chased by Kapitol?

 

Also found a link to claiming ppi though a nationwide questionar, is this the best way to go about or will i get a runaround?

 

Cheers

 

Ed

[dx100uk]

you could use the nationwide questionnaire

 

however

i'd have a read in our PPI forum first.

 

info is below too.

 

now

to me it looks like NW have SOLD the account to AK hence the £0 bal

 

are you sure that AK letter says passed?

had any other letter from the ,,,notice of assignment?

 

dx

[edlowe]

Im at work at the mo but will double check wording once I get home. I could probably scan it tomorrow once ive blacked out personal stuff.

 

I've not seen any other letter regarding this particular debt, I hadn't heard from anybody regarding it for several years.

 

Thanks for all the help, I'm so glad I found this site..

[dx100uk]

pdf please

[edlowe]

PDF Attached (Hopefully).

[citizenB]

I have unapproved your attachment in post # 13 as it is still showing your name !

[dx100uk]

they are not the owners

strange

as per that letter it reads they are

still acting as agents for NW

 

however its a discount

totally ignore them and the debt

 

it will be the PPI they are part giving back to you

disguised as a discount

 

from what I can see

 

the PPI will WIPE the debt

 

and give PROFIT to YOUR pocket..