Hi guys/girls

im new to this so here goes,

I had a loan with welcome finance that wasn't paid back, it was removed from my credit file in March 2014.

i have just check my credit file again and it seems the same debt is on again

as a default this time with MKDP LLP,

i called them to see what was going on and

they said i have made a payment of £15 in 2010 which i certainly didn't,

so i asked them how it was made and to who,

they told me they only have it down as a transfer,no bank details ect. so

i called the credit agency and they said if i would of made this payment it would have to be reported to them

and of this was the case why was it removed this year if i acknowledged the debt back in 2010??

it doesn't make sense and no one has any answers for me.

Here we go again, lying and cheating companies making false payments to stop the Statute Barred regulation taking effect.

Welcome Liam

Can you tell us more about the debt please, especially the date it was started, the date you last made a payment ?

hi there,

£3000 loan taken in 2006 and a few payments was made before i moved away,

for some reason i was reported to checkmyfile until march 2014 and removed,

this debt was passed to MKDP llp 18/5/14

but they claim a payment of £15 was made to welcome in 2010,

but why wasn't this reported to credit agency?

and why was it removed?

if that was the case?

i called welcome to check this and they said they have a payment made in April 2010 of £15

but no idea how it was made only says transfer, no bank details ect,

sar time to welcome me thinks.

just remember that recently ALL welcome finance debts

were recently removed from CRa files for nearly everyone 'en mass'.

MDKP would have probably purchased the debt

and seeing the info

that it was not SB'd

have put it back up.

I would pers be staying off the phone now

writing ONLY

you need a written data trail.

you could put MKDP to strict proof

as to when how who where on that payment

the info will exist

including the account number it was transferred from.

i'd get a CCA request of to MKDP too do NOT sign it

as for the SAR to welcome

if you have moved

inc the old addresses and a copy of your current CTAX bill

sign the SAR.

dx

hi mate, thanks for the reply, im a little lost tho, they don't have my new address didn't really want them to have it, although they will need it if im going to be sending letters, i really have no idea as what im putting in the letter?

can the same default be issued twice as well?

as long as the original default date does not change.

if your new address is on your credit file

they'll have it already

dx

well the default date on the file is now 18/5/14

when they originally told me a payment was made in 2010 (April) this is why im confused,

the bit i cant understand is if i made a payment in 2010

why was the debt removed from the file??

and why was the payment not recorded with the agency?

is there anything i can do if they cant prove who or how this so called payment was made?

I would await the welcome sar return as in post 4 instructions

I would suspect? you are looking at the 'update date'

not the defaulted date?

look on your old cra file printouts

there should be a defaulted date under welcome in the SUMMARY line

that should be the same as the MKDP entry.

as for why it vanished under welcome, that's explained above.

as for why the cra file does not carry the payment

I think more will come out toward this under the SAR.

write a letter to MKDP

head the letter

I do not ack any debt to your or your client.

inform them you are unwilling to discuss the matter further until

the SAr return from welcome finance

AND their return of the CCA request.

also might be an idea to get a cra report from another provider too.

try noddle

i have used Experian, checkmyfile and noodle, it was reported as a default 18/5/14 with a red 8 next to it,

when i checked in march this year is said it was reported until march 2014 and then removed in Aprils report,

there are 2 different dates,

Think it is about time people started complaining to the FCA about these Ghost payments.

The SAR response should be interesting.

If it's a debit from your bank, you will be able to disprove that by getting your statement for that particular date.

i apologies, default date 20/8/2013 reported until 20/08/2019

account opened Feb 06

when i contacted checkmyfile they said the last payment was 2008 thats why it was removed in 2014,

therefore i hadn't acknowledged the debt,

they said they have no details of were the payment is from just says by transfer. surely they should hold my account number or sort code??

there must have been a defaulted date on it from the welcome days

what was that?

a debt does not get removed from a cra 'just because' you've not paid in 6yrs [sb date]

tere wold have to have been a default date from that period

or

as I said before

it got removed under the general sweep of all welcome debts reported by welcome.

dx

no default date from welcome days, welcome isnt even mentioned

you say the debt was previously shown on an old CRa printout?

dx

default date on the old one was 2008, i dont have the report i contacted the CRA and they told me,

then that would p'haps nicely tally with 6yrs

the ICO say:

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

the WHOLE ACCOUNT WILL VANISH, never to return.

.

however, this does not mean the debt itself is not still owed

consider a CCA request.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

...................

so having now clarified that one...

you can DEMAND the debt placed by MKDP is TOTALLY REMOVED.

dx

how do i do that mate, do you have any sort of letter template?

i really appreciate your help

the sar will confirm this

you need to await hat

then send a copy of th evidence to MKDP

simply demanding they removed the account forthwith

else your complaint to the ICO will be in the post within 14 working days.

still CCA them separately mind.

dx

Just received a call from MKDP and they said they will remove the default as welcome sent them the wrong default date, although they are still saying a payment was made in April 2010, why would they remove the default if this payment was made when they say it was, makes no sense still, glad its being removed but by the sounds of it they will be still chasing me? is that correct?

I hope you asked for everything in wrtiting as what they said over the phone has no standing what so ever, they will prob deny it

Cannot stress enough do not talk to dcas over the phone ever period fullstop

they said it will be in writing in the next few days, i will just write to them in future. does this mean the same debt cannot be reported to the CRA again?

yes correct.

if they are claiming a phantom payment

put them to strict proof

how

by whom

when

what bank

by what method

dx