Oh didn't know anything with the loans from that time. What happened? I will await for them to send something. At the moment im just continuing to keep blocking them.

Is there a chance they might try it with a claim form through the courts even though they know they cant produce a copy of the original agreement?

Just to update over this. MKDP came back with a big envelope with a main letter stating that they are unable to get a copy of the original signed agreement. So they included a copy of the terms and conditions. I mean they must of had 2 trees cut down because 47 pages of paper were sent out with the T&C's on them. Also included was some accounts showing payments. Last payment made by me was in 2013 by Standing Order and there is a further payment for £8.23 which is stated to have been paid manually by GIRO in 2014. However i did not make this payment whatsoever. I dont even know where this money would have come from. Would it have come from a dormant account? I dont even hold any accounts with HSBC anymore as these were closed. Apart from this they also sent me a letter sending back my £1 postal order as they couldn't find my agreement and since then have been constantly phoning me and now texting me, asking me to make contact with them. What is the process going forward now? Im still no further forward in what is actually owed. They could only provide accounts going so far and they don't even have an agreement so how can they even prove i owe this sum they claim is outstanding?

Checked on the MCOL website and no surprises it hasn't been updated yet and i also phoned the court and they said nothing has come through as of yet. She said for me to keep hold of the letter which i got from BC which i certainly intend on doing so and maybe their system will update over the next few days. The letter i received from BC was dated the 9th April BTW.

Yep i will do. Many thanks

MKDP wrote back to me stating that they are unable to find the original documents and as they wish to deal with this in a professional manner blah blah blah, they are liaising with the original creditor to locate these documents for me. They will get in contact with me once they have them they bought this debt with no paper work is what they are saying? So they don't know what it is i owe?

Just thought i would update that i got a letter from Bryan Carter who have enclosed a Notice of Discontinuance on this case. Is there anything else i need to do with this now?

Ok i was just getting slightly worried as i seen on the legal section where MKDP have been issuing out claims and i was concerned they may do the same with myself.

Looking for some advice around this one. Once i have sent this company a CCA request, could they still press on ahead with a court claim? Would it be worth me contacting Keynes to inform them that i have sent a CCA request and to put the account in dispute/hold?

I will get a letter sent off to MKDP soon as possible. The last payment I would have made to anyone would have been back in 2012 around June time. Also just today I got a text measage from Keynes where they are asking me to call them. I think they may have tried calling me a few times but I just blocked the number.

Hi DX, I have just been having a look and from what i can see the arrangement i previously had was in place with a DCA called Metropolitan Debt Collection which from looking i can see is part of HSBC but make out they are separate. So the fool of me to believe they were nothing to with HSBC. i got ill in around 2012 and Metro aka HSBC weren't willing to negotiate with me a repayment plan which i could realistically afford. Still to this day in all honesty i couldn't afford the amounts they would want from me. Looking through my letters i found a letter which i got from MKDP at the end of Feb 2015 in which they state as per previous correspondence (dont recall any) the account has been assigned to MKDP LLP who are now the legal owners of the debt (but never bothered to send me any relevant paperwork) You have recently made a payment to HSBC (No!! I havent!!) and we are writing to advise that any further payments blah blah blah and they then include a DD mandate form and expenditure form and complimentary prepaid envelope. So from this who would you advise i send the CCA too? Should i send this off to MKDP seeing how they are telling me they now legally own this debt? I mean they havent even given any date from which they took over this debt. And the claim i recently made a payment to HSBC

Unsure what you mean?

I had an arrangement on and this would have been with a DCA (cannot be specifically sure the DCA was MK Recoveries) The default R.E. this loan has since dropped off my credit file and no longer shows. I havent made a direct payment to HSBC within 6yrs .

I haven't sent a CCA request

From what i understand the debt has been assigned to MK Debt Recoveries or one of their many alias. I imagine they have bought the debt? Never received any paperwork but when do you ever?