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taffy_taylor

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About taffy_taylor

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  1. I was...... Is there a reference to QK's case at the FOS that we can refer to?
  2. Georgie2105. Fascinated to read your thread regarding Nat West. Exact;ly the same thing has happened to me. Last payment I can say for certain made to NW was March 2010 but a default was applied in March 2012...... I am going to do exactly as you did to see what response I get. I wonder whether you have heard from them further or recieved any additional information from them?\\Good luck Taffy Taylor
  3. A scan of what they sent me in response to the CCA request. Does this prove the debt? and satisfy the CCA requirement or is it an application form?
  4. I sent them the request in August 2013 and they replied with a photocopy of an application for a Skycard in April2014. I dont understand your statement of they have yet to prove their claim yet….. Sorry I will scan up what they have sent me They claim that i made my last payment in May 2008 but then it continued via a debt managment plan. i do recall i made payments to payplan up to April 2009 and i assume because they claim so that they received payment from a dip until 2009. At that time i had moved abroad.
  5. I posted this last week but I think it got all lst with earlier posts of mine. Anyway, Helpful advice is welcome! claimform MKDP in the past week. I have acknowledged the claim via the website MCOL found on this forum. I have completed the information you have thoughtfully posted here and i have included this below. I will also send a CPR 31:14 to them tomorrow. I have ben talking to them via recorded letters for a few months and have already asked them for a copy of the original CCA and they sent me a copy of a "SkyCard Application Form" but this has all
  6. claimform MKDP in the past week. I have acknowledged the claim via the website MCOL found on this forum. I have completed the information you have thoughtfully posted here and i have included this below. I will also send a CPR 31:14 to them tomorrow. I have ben talking to them via recorded letters for a few months and have already asked them for a copy of the original CCA and they sent me a copy of a "SkyCard Application Form" but this has all the usual statements you expect to see on an agreement form. So I dont know whether this is correct I will scan a
  7. I returned to the UK this year for work. I still own a house in Ireland which is not worth selling given the state of the Irish housing market. So its rented out and I now rent in the UK. I have no assets here except a salary !
  8. I sent a Recorded letter to MK telling them to remove the default as advised by numerous threads on here. I have given them 14 days, so let's see what happens. I moved abroad in June 2008 and the other 2 default entries are dated November 2008. If I didnt receive these notices can I query them? Or should I just suffer this until Nov 2014 say absolutely nothing that might signify acknowledgement of the debts and let them disappear ? Getting better every day ! TT
  9. Thanks all for your comments. Ia m thinking a letter giving them a week to remove the default from my name with Equifax plus include a £10 for a data information to see exactly what it is they think they have. Can I get them to remove the default having given them enough time. What is enough time ? Regards to all T_T
  10. One further point. They told me that the last payment they recieved on this account was 21/4/2009 and the alleged default was placed on the account on the 27/1/2010- 9 months kater. Didnt i read on here somewhere that they should do this within 6 months?.......just a thought.
  11. Some advice please. I have 3 default notices on my credit file with Experian and one of these I have no knowledge of. I contacted the DCA ( MKDP) on the 1st June 2013 and placed a query on the debt as I have never had a Barclaycard. The entry on Experian has since been marked with a "Query" entry. I received a letter from MKDP on 17 July 2013 which was quite apologetic about the length of time taken as "we are still unable to resolve your query" and "we are liaising with the original creditor" How long can they keep me hanging on for an answer, it's n
  12. I received a letter from "MK Rapid Recoveries" regarding a debt on a Barclaycard which I have never had. They have indeed put a default notice on my credit file. anyone know how to rectify that? ( sorry never had this before)
  13. One more question.......... Should I write back and remind them of their obligations irrespective of the lack of signature or should they know that ? TT
  14. Thanks for your response it confirms all that I have read here. One of the resposes says that the data they hold (address) is different to the one on the CCA request and therefore they require a signature. I figured this was a reasonable request until I remembered that they have all been given my new address by payplan (in Breach of DPA if you ask me). Should I sign a new request or just wait. as far as record of service is concerned. Those that have refused pending a signature have sent my letter back with their received date stamp on it So to sign or not to sign that is the quest
  15. My partner and I left the UK and settled in Ireland as she was made redundant and I had retired ( She is from these fair shores). We had some debts and tried to sort these out before we left. The bank threatened all manner of things (NWB) and we were put in a position where we accepted their solution, a loan to pay off the overdrafts. The other matters (9 in total) a mix of credit cards and loans we started to pay a minimum amount. The solution will/would take us 26 years to pay back. I started to read the postings here and sent off cca requests to all (excep
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