Hi All

Little bit of advice please.

I have received a letteri today from HPH2 Ltd stating an old barclaycard debt

I have been paying to MKDP LLP for the last two years has been passed onto Robinsons Way who will now be managing my account.

My question is, as I have not received any letter from MKDP LLP confirming this,

should I contact Robinsons to arrange to carry on payments or should I wait to hear from MKDP LLP before making contact.

Also will my monthly direct debiti be transferred automatically or will I have to set a new one with Robinsons.

Dont want to contact them unless I have to.

Also am I correct in thinking that the requested "income/expenditure" request is just that a request and I dont have to comply if I do not wish to.

Thanks for any help/info on this

looks like you are being cash cowed to me

here this mug is paying blindly on an unenforceable debt

you lot have some....

have you ever sent the fleecers you are paying a CCA request?

tell us the history of the card please

dx

Specifically

When was the credit card taken out. Rough Year

Do you have any PPI on the card

Have you been charged any late payments, over limit fees etc

What is the rough balance on the account now.

Defiantly a CCA request.

IF you have PPI and charges, it may be worth sending Barclaycard a Full Subject Access Request

At the time I started paying MKDP I didnt ask for CCA request.

I admit I owe the money and have been paying the min I can of £10 month.

Back then I was a a bit green about DCA.

Bit more aware now thats why I asked should I wait till I get confirmation from MKDP.

I dont want to contact Robinsons unless I have too

The amount is about £4K but Im prepared to pay as little as poss for as long as,

I dont care DCA can wait for the money, the little they have bought it for.

Happy to carry on paying the £10 but just wondered shouldnt MKDP have contacted me.

Not just going to roll over with Robinsons and say OK unless I have too.

With the more knowledge I have now on these parasites Im ready for a fight to be honest

Cant stand DCA and their underhand tactics so will be happy for some advice on what the next step is even going for dispute till proof of CCA if I have too.

The debt is not SB until 2017 but I have been paying MKDP so have acknowledged it

Thanks for any advice

I'll need to to re- check for PPI

dont think I did as I have claimed PPI back on other loans

and seem to remember checking an old statement on the card a few years back,

could be charges on there, need to do a bit of digging get the statements out again.

OK do the CCA request. IF the card was taken out before 2007 then they would need the original in court to stand any real chance to enforce it. No CCA, NO PAY! That is why you must do the request. A lot of old agreements had issues with them which means you *might* not owe the money.!!! So CCA to ROBINSONWAY and cease paying anything untill we examine what comes back.

AS for SB, Its 6 years from YOUR LAST PAYMENT//Acknowledgement.

IF you fancy some light reading..

http://www.consumeractiongroup.co.uk/forum/showthread.php?423713-Barclaycard-Link

£10 a month!!

I'd be dropping that right down to £1 a month until they come up with enforceable docs.

I must agree on this.

When Robbers Way get their hands on an account it is normally last chance saloon.

They really are the bottom feeders in the DCA world who specialise in unenforceable and statute barred debts

Thanks for the reply.

The card was taken out after 2007 unfortunately. Understand the SB now so its not 2017.

RE the CCA request, wouldnt the fact I have been paying MKDP be proof of the debt ??

The direct debit Im paying to MKDP should I cancel this or wait to see if I get a letter from them stating they have sold the debt on ??

thanks

Thanks for the reply.

 

The card was taken out after 2007 unfortunately. Understand the SB now so its not 2017.

 

RE the CCA request, wouldnt the fact I have been paying MKDP be proof of the debt ?? - no send them a CCA request

The direct debit Im paying to MKDP should I cancel this or wait to see if I get a letter from them stating they have sold the debt on ??

 

 

- await the failure of the CCA request 12+2 working days

 

thanks

get an sar running to barclaycard

reclaiming time?

dx

Whats reclaiming time ??

Thanks for the advice everyone - will send a CCA form off.

just a thought, why would MKDP sell this debt on to this bunch - could it be that it is unenforceable and if it was, they were were getting money each month without question ??

MKDP must have spotted something and ditched it as quick as they can

Seems strange after paying for so long though. Is this a common thing ??

Sorry .... What could they have spotted ?

ppi penalty charges

unenforceable agreement

or as I said, that they've been cash cowing you for so long they want rid of the debt so's they can say not us guv when the fca finally ban such practices

dx

Ok thanks again for the advice I will send the CCA off to Robinsons and see what they come back with - sure I'll be back with requests for more advice

I have to question "Managing account"

Has MKDP actually assigned your account to Robbers way??

Or are Robbers way just collecting on behalf of MKDP?

The letter I received today says "MKDP LLP has assigned all of its respective rights, titles and interest in respect of the above referenced account etc. (including the outstanding balance) to Hoist Portfolio Holding 2 Ltd (HPH2LTD)"

Further down the letter it states " HPH2 has appointed Robinson Way Ltd to manage your account". This letter has heading of Notice of Assignment

2nd letter from Robinsons in same envelope states."Thank you for paying your account in instalments, Robinsons Way will be managing your account on behalf of HPH2 Ltd therefore all payments should be made to us instead of (Keynes Collections)" think this is a typing error not keen on letter checking.

Then asks please contact us to discuss your financial circumstances (not likely)

Hi Marnie,

An SAR should be sent to BC and it should show details of all PPI charges and all penalty charges that were levied against the a/c ...............

............ unless you have all the old statements, in which case, check through them carefully to identify and list all reclaimable charges.

Thanks Slick will do I havent got all the statements now been a few years so will look at a

SAR

And CANCEL that DD, set up a S/O instead or they'll empty your account at the first sign of trouble.

Never EVER pay a powerless DCA via DD, you have no control over your bank account if you do.

Hi Bazooka Boo,

Its already a S/O my error if I said DD.

Will cancel S/O to MKDP now thanks for the tip

Phew!!!

S/O is fine, IMO I wouldn't cancel it straight away, but drop it to £1 a month, or leave as it is, but get that CCA fired off,

then you'll be in a much stronger position to stop payments when they fail to provide.

OOPS too late deleted the S/O online to MKDP

Well you will not lose any sleep over that

Go open a can and put your feet up

Not to worry!

will do.

Just one more point if I may

What happens if (when) they dont provide the CCA ?