std threat-o-gram

dx

Well when i received the MKRR ' final letter and we are now considering our options and will send to litigation dept'

some months ago and now this Raven '

this really is the really final letter'

then i thought they arent serious!!

Do i need to do anything?

Do you think they know about the dodgy default , t&cs missing etc

and thats why they are just sending threats?

you are learning!

dx

Hi dx,

Just received the attached letter,

looks like its moved to the guy in the office next to the other guy in the office!

What should i do now?

Can i hit them with a letter?

std threat-o-gram.

next bloke next desk diff coloured skirt.

designed to make you think

it Is escalating through a chain

whereby its not.

dx

I tell ya, thems cheeky buggers! I wonder how many people fall for it!

So...i still sit still and do norhing? Gulp!

Hi All!! its been a while, just checked my credit file(my credit monitior) and MKDP are still there as holders of the secured debt which they purchased from Welcome, it says Residential Second Mortgage

Account status: Default

Date last updated: 18/07/2015

Account opened: 24/01/2008

Account opening balance: --

Repayment frequency: Monthly

Default date: 04/10/2010

Original default balance: £0

As you mentioned previously in this thread they cant do jack as they cant provide CCA

and default is incorrect so

can i not insist this is removed as every month a big 'D' appears on my file!

Nothing more can hurt your file as its defaulted already

If you could get it corrected

It would be with the oc not the claimant

DX

also, date of default notice says 05/10/2010 pay within 14 days but on the credit file the default was applied on the 04/10/2010!

thanks dx, had a voicemail left today but deleted it too quick...! it was from from a company called west- something or other, ring any bells? thats why im back on here agin just to see whether i still just sit sstill and see out default? if i want to look at selling property what can i do to get rid of the 2nd charge?

You said the charge had gone from land reg in early posts

Prob wescot on the phone

Dx

yeah it had disappeared from Credit file when it said Welcome and then came back as MKDP! Westcott are MKDP in disguise?

no I mean the charge against the property on land registry site.

re post 12

Evening dx,

I have today checked the land reg again,

it states in the registry extract that there are two lenders

- one being the mortgage company and

the other being a business that put a charge on my property

(even though they arent lenders they reckon i owed them money)

There is no Welcome or MKDP on this section.

If you move down to the proprietorship register it again only states the 2 that i have mentioned- mortgage and dodgy business.

If you then move down to the charges register then you get the original builders, home owner etc and Welcome are on this,

What does this all mean?

is it that the only charges on the property are the 2 in the proprietorship

and the the charges register are old charges?

thanks

unsure to be honest what that means?

is there a help file or FAQ section on the LR site that explains the varying entries.

This is what i have just taken from the register, The mortgage company and other are on 'B' - note is says title absolute? Welcome are under 'C'

B: Proprietorship Register

This register specifies the class of title and

identifies the owner. It contains any entries that

affect the right of disposal.

Title absolute

C: Charges Register

This register contains any charges and other matters

that affect the land.

then the charge is still live.

the loan is still secured

however, it needs to be noted that its under welcomes name and NOT the pursuers ...urm interesting.

don't think this washes meself

the charge must be in the name of the claimant in E&W

so i's assume the same for Scotland

dx

hmmm the plot thickens!

what can i do?

is this ever going to go away?

i would like to possibly sell the house but how can i if the mortgage is the same as the value!

the other charge is something i need to look at too...

i really feel i was conned into letting this happen..

. is there someone on here thst could maybe help me?

its complicated though and from a failed business ,

the charge is the landlord.

sri about my last post

not meant for you

but

its the same scenario.

dx

Evening dx,

I think i need to get a plan of action now

because if i just leave this ticking over then every month i will just get a default on my credit file for ever more..infinitely?

if Welcome have the charge on my property but they sold the debt to MKDP

then surely there shouldnt be a Welcome charge anymore?

If MKDP bought the debt then should the charge be in their name?

can they do this?

I take it MKDP bought this debt for nothing so they shoot at many a barn door

until they hit one and the person they are chasing gives in??

I really want to put this to bed (and leave you in peace!)

what do you recommend i do??

Also-- it is westcot calling, haven't spoken to them.

. Who would they calling for?

Would they have bought it from MKDP?

plan of action is do nowt unless they escalate things

them marking your cra file is not harming you any further

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

not really an awful lot else you can do.

I suspect MKDP have no idea at all that the charge exists.

dx

plan of action is do nowt unless they escalate things

 

 

them marking your cra file is not harming you any further

 

 

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

 

 

not really an awful lot else you can do.

 

 

I suspect MKDP have no idea at all that the charge exists.

 

 

dx

Ok thanks will do but just before I leave u in peace.... When it leaves my credit file on the 6th birthday what happens to the charge? Even if MKDP don't know it's there, how do I sell the house?

Ok thanks will do but just before I leave u in peace.... When it leaves my credit file on the 6th birthday what happens to the charge? Even if MKDP don't know it's there, how do I sell the house?

you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

you don't have to tell anyone with a charge you are selling.

if the so called creditor doesn't know

and you sols are cute, it matters not

dx

you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

 

 

you don't have to tell anyone with a charge you are selling.

 

 

if the so called creditor doesn't know

and you sols are cute, it matters not

 

 

dx

Ok and that goes for any charge if the creditor is no longer around?

Ok and that goes for any charge if the creditor is no longer around?