Hi All,

Just finished writing my CCA request for HSBC (C/O MK Rapid Recoveries) - so fingers crossed that I get something back.

I'll post my progress back here.

All the best

why

surely you DONT want anything back

why have you sent MKDP a CCA request then?

dx

Oh yes! Of course

Guess that's just the honest person inside me - I do actually want to settle my debts, but I don't have the means right now

Is the card pre 2007?

Is the card pre 2007?

I don't think so but I have no way of checking without the cca

credit file?

dx

Yes your credit file should give you the date the account was opened. Try noddle, its free.

Will do! Thanks all

Ok - an update...

So I checked my credit file and found that this was on there from MKDP (in default with payment plan in place) but under it was the original credit card with HSBC (opened 22/09/2006)...

I've asked Noddle to remove the one from HSBC as it's a duplicate but they've given me the standard... 6years blah blah... But how do I get the HSBC one removed because it is a duplicate!

No CCA received as yet either.....

you don't need it removed

its not harming you

so its pre apr 2007

so will need the signed agreement.

look on the hsbc entry

what was the last payment

and a defaulted date?

13/08/11 default date

No last payment date on the record! Previous years start on the record the same month as MKDP "bought" the debt. I have a letter from HSBC stating that they no longer "own" the debt.

Today is the last day for them to reply to my cca request.

Nothing received, what do I do now?

Nothing received, what do I do now?

Have you sent the CCA request by Recorded Delivery or received a letter from MKRR confirming receipt of a CCA request?

This is to make sure that MKRR have fully received the CCA request.

If this is the last day then you do nothing, MKRR know the law full well that they have failed to comply within the time scale, if you had any payment plan in place (which you did not) then you can now legally with-hold payments until such times as MKRR comply.

Stigman

Thanks Stigman. I did send it recorded delivery and have checked that they received it (they have). However I did have a payment plan in place with them - I have done for a couple of years.

So I should cancel the standing order and wait for the letters to start?

I did send it recorded delivery and have checked that they received it (they have). However I did have a payment plan in place with them - I have done for a couple of years.

 

So I should cancel the standing order and wait for the letters to start?

Save either a screenprint of the delivery confirmation from the Royal Mail website or print it out.

You are legally entitled to stop the payment plan until such times as MKRR comply.

Stigman

Thanks

put the money aside for a few months still mind.

if they produce an enforceable CCA

then it might get sticky.

but I doubt it...

oh and PS

you don't have a letter direct from HSBC stating they don't own the debt

you have a letter from MKDP using an HSBC letterhead stating thus.

dx

Thanks dx - good to know! And I will take your advice.

So... an update of sorts to the double entry on my credit file...

Email just received from Noddle stating:

"We're currently still investigating your dispute,

however, because 28 days have passed since it was received,

the entry has been temporarily removed from our database.

This means that it won't be visible on any search carried out on you through Callcredit (Noddle is part of Callcredit Ltd and it’s Callcredit that provides your credit report).

We'll be back in touch as soon as we have further information about your dispute."

This after they said that they couldn't remove it because of true reflection etc etc blah blah...

Another update:

Another letter to my parents house addressed to me (they have written to me at my current address). Stating the usual, you've not paid etc etc....

No CCA from them or an acknowledgement of my request made on 13th January.

Some advice please.

until/unless they find an enforceable CCA

you ignore them

but ofcouse not a claimform.

dx

Thanks Dx - What I'm annoyed about is that they are writing to my previous address and if my parents didn't live there then I'd have no idea that they'd written to me. So how do I stand a chance of getting this sorted?

Just for info - if/when I get the claim form what do I do? I'm assuming that I write back to the court attaching the evidence of my attempts to get the CCA?

sorry I panicked you.

so why are they writing to a wrong address?

your CCA request gave them your correct address?

I take you've moved and never told your creditors?

You didn't panic me dx

I have no idea why they are writing to an old address (probably because they are a bunch of Muppets!!)

- I've been in contact with them at various times over the last few months all from my current address

and they've even written to me at my new address..

. Not to mention the CCA request that had my old and new address..

. So I'm lost to be honest.

Just to make sure that everything is above board

should I write to them again informing them that I got their hastening letter,

reminding them of my new address and getting it signed for?

no , no need the CCA is a legal document. enf off

if they ever file to the old address

instant set aside

I'm doing a review of everything

I still have not had a response to my CCA request back in January.

But MKRR are still hassling me - latest letter was 12/10/15.

It's really difficult to ignore them.... But they have not complied with my CCA request.

What should I do?