CSL for AK - old Halifax Aqua Card 'debt'

[bub1]

Hi,

 

Mu son had a letter from the above regarding a debt with AKTIV KAPITAL (UK) Ltd-PROGRESSIVE CREDIT LIMITED

 

It did not state what the debt was for.

 

So we sent a letter not acknowledging any debt.

 

We also sent the letter regarding contact by telephone and door step visits.

 

We sent that on the 25th February 2014 Recorded Delivery.

 

Today 12th May 2014 we have received another letter dated 9th May 2014 with copies of the debt in question which was Aqua Credit Card.

 

When my son had this card he did get into difficulties with paying it as he lost his job

they were unhelpful about accepting reduced payments so they received no payment.

 

Last payment made 14/7/2011 £20.

 

They have sent copies of the Credit agreement and copies of all of his statements from when he had the card.

 

Last statement date 11/7.12.

 

The letter states further to your recent communication and have pleasure in enclosing a copy of Credit Agreement

and detailed statement of account.

 

We trust the position has now been clarified and require a payment and settlement proposal

within 7 days in order to resolve this matter without further delay.

 

What is the best course of action to take now.

 

We have had no notification that they are officially in charge of this debt.

 

Shall we write back and ask them for paperwork to say that the debt has now been passed to them.

 

Any help please would be appreciated.

 

Thanks

[bub1]

Can anyone help with this?

[citizenB]

I think you are going to have to enter into a repayment arrangement with them. The account was opened after 2007 and they have now complied with your s78 (cca) request.

 

Is it a huge sum ? Does your son have any assets ?

 

Actually, I am assuming that your Son started this account as you dont actually say, perhaps you could confirm this.

[bub1]

Hi,

 

Yes it is my sons.

 

No well not a huge amount really.

£1468.00

I will be sending off an income and expenditure form to them on monday recorded delivery with the offer amount.

He has no assets only his car which he needs for work committments. He lives with me.