Hi dx, I can see what you mean by it, but surly in this context its way past 6 years therefore then techinically sb. So that means I have to wait another 6 years come hell or high waters before this goes from mkdp. Would the fact bc have sold on the account mean its satisfied and no longer in default with them so surely they must have to remove it or at least acknowledge its satisfied and no longer in default with them on the cra?. Am I reading this wrong. YK

Thanks guys appreciate the support. Dx in regards for the default staying how is that to my advantage, while it is on my cra I can't much get things like mortgage, while I appreciate what your saying I see it as a disadvantage. Can you explain why this please. YK

Hi Slick321, I am content to do so, but to be honest I have browsed the mkdp entries and it would seem that they seem to change defaults notices, do not take a blind bit of notice of any thing they have asked to change, and yet they seem to get away with murder. Ccjs, defaults regardless with it does your cra in or not. I get the feeling that there is no hope in stopping this particular juggernaut, even if I serve a sar, or even sb or a follow up cca it simply gets ignored and the courts just accept it and lie down and roll over. I would have thought the bc would have removed their entry if it was sold on, not leave it as satisfied but defaulted?. Again causes issues with cra, basically over the provable rock. So either pay it regardless of my position or another ccj for 6 years again regardless if I defend it. Ah well so much for that, off to be a good little boy to all my crecitors. Thanks both you and dx on this matter thought there may have been a positive suggestion or template that woukd have stopped them in there tracks, but reading the threads as slick mention it would seem that this lot seem to have out foxed the fox this time... unless...... YK

interesting slick321, but how can the do this since they have no agreement to base this upon. i shall be interested in the arguement, but is it best to hold fire for now and allow then enough rope to hang themselves so to speak?

indeed dx, i have every intention of doing so, this why i am asking for help in understanding my position in this and certainty careful steps forward, may i ask of you what is or could be the next steps that i may take to ensure a successful outcome to this?.

yes again.. sooo it is mkdp that will have all the data and should in thoery be able to supply agreement and not bc, so why do they need to refer back to the original creditors. ??.. by the way this has gone via the likes of westcot, and at least two others before this one, and those never put anything on cra.

yes,dx

Hi, in relation to your 1st and 2nd question well its a yes and no answer - no it would seem mkdp own it judging by their letters and certainly on my credit record, but also I have noticed that bc have also marked my credit record as well at the same time as mkdp wit exactly the same details. So yes to your 2nd question they have updated the cra with bc and mkdp, same date and details.. No assignment letter as yet, although mkdp have apparently requested it from their creditors assuming they must mean bc and awaiting for their response. bc had a letter that was in the mkdp letter it states that because of circumstances beyond their control they cant find it, but did send the t's & c's but no signatures no nothing just a faint copy at that and thart satisfies their obligation to the cca request for further information. i note that there is a follow up letter/template about them failing to respond in a timely manner and giving them 21 days to respond etc.. i am thinking of sending that too them either to mkdp or both... regards

Hi slick321, As I mentioned in my opening thread barclaycard attached a letter that MKDP then forward to me and they can't find any documentation ?. I would like to suggest if you can read my first articke as ut does explain all there. I would then like you views on it and possible suggwztions to this forward. I have thought of sar to them but since the letter I recived seems no real point to it, but if people in the know feel that may help then I will have it sent? Regards The Kid

Ok thznks dx, had ment to..strange I have just looked but there is nothing apart from the cut and psste I did from noodle. So what can you advise would be the next step in this military two step .

Hi dx, This was on experian BARCLAYCARD Who's this? Entry Number: C31 | Account Updated to: 01/12/2013 Name: MR .... Address: ..... Date of Birth: /1959 Account Type: Credit card / Store card Started: 10/03/1982 Current Balance: Satisfied Default Date: 19/12/2012 Default Balance: £597 Debt Assigned to CAIS Member: Start Date: 01/12/2013 View Account Status Details: Account Status Details (1-12 months) Last updated: 01/12/2013 Status Code: Balance: £0 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 Payment Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 Previous Balance: £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 No. of Cash Advances: 0 0 0 0 0 0 0 0 0 0 0 0 Cash Advance Amount: £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 Payment Code: Also on the same credit report as MKDP PLL who own this so in fact its on twice for the same thing is that allowed?. This is the same as noodle as well but only for MKDP and not barclaycard. Hope this helps to give some help to resolving this. The kid

Hi dx, Account start date 10/03/1982 Opening balance £ 597 Repayment frequency Monthly Date of default 19/12/2012 Default balance £ 597 it says via noodle that it is owned now by MKDP Does this noodle which looks great by the way look at both the big credit agencies.

Hi Dx, Pretty much hit the head on the nail. I have and its on the credit file list under barclaycard. As too exactly when definitely 2008 as I just moved house and paid the last one november I seem to remember as moved in the october. I just want to draw a line under this and move on, but either MKDP aka Barclaycard will not let it drop, is there any letters that the group has to serve on them to cease and desist, given that no documents are available according to barclaycard, even MKDP think there is?. Simon

Hi Bookworm, Your properly right, but what I am asking of you kind peoples what would the next step to prevent this from happening, sorry about the credit bit but that's my ultimate goal. So you have any kind advice what method to use agaunst them to head them off at the pass so to speak, templates, letters etc.

Hi Bookworm, I heard of these so called dredgers but what do you mean MCOL?. All I am asking is anything I can do from here to head all these guys off and put a stop to this a get it removed from my credit record?.

Hi citzenB, Finished in 2008 however they never issued any even though I continually asked them for it. DMP.? Sorry to soundcthick but I don't understand alot of these shorts names.

Hi, I am experincing some issues with Barclaycard via MKDP PLL. The story is that I had an barclaycard around 2006/7 which I am 100% paid off as payment plan. I haven't had another card from since the pay off, but I had a few issues in that I was paying them off some reason they would contact me and say that I had not paid, which I did as I showed them the proof from my bank statement. Now whats happening theyre saying that I still owe £597.98. This has only recently only started up last Year via some other less reputable DCA, and all after I challenge them stopped citing no information to be had. That was that until I heard from MKDP taking up the now worn batton up from barclaycard. I have sent to MKDP a form a asking for the proof of this only to be told twice that they have not got enough documentation and requesting that I should wait while they contact previous creditors. This has now passed the 40 days and strangely enough I got via registered post today a letter from MKDP and a letter attached inside from barclaycard, stating "that the information given under consumer credit act 1974 section 78 receives a request the creditor shall give the debtor a copy of the executed agreement (and any document referred to in it) and a statement of the account." This continues "Due to circumstances beyond our control, we no longer hold a copy of your excuted agreement. Regulation 9 of the CNC regulations conforms that, in these circumstances, for accounts open before 19 May 1985 (such as yours) the copy of the current terms of agreement. I enclose a copy of the terms of your credit agreement as varied in accordance with section 82(1) of the act. This is a statement of the terms of your abreement with us and incorporates any variations to the terms made since you entered into this agreement. However, the intreast rates, fees and charbes set out in the agreement, may differ from those we have discussed with you, (really never spoke to them since paying them off via the paymentnplan). Due to the current status of your account, the full outstanding balance is now due. This completes our obligations under section 78 of the act." In the letter from MKDP they say "reconstituted copy of the credit agreement enclosed, please note statements of account have also bee requested and will be forwarded to you upon receipt". Makes intreasting reading but has nothing in the detail, so based on the information given where does this stand and whatbis the next best move, to be honest this is so near or is statued barred anyway so why keep it going. Any useful advise, pointers, even what to send back to these guys would be very helpful, as I know and how grateful I am as yij have helped me in the past so I trust your valued experience. Kind regards

Hi Brigadier, As yet I have no idea as yet, I will try find out from the mediation tomorrow morning so I'll let you. As yet I have had nothing from mce via montimore clarke just the court papers and transfer to my local courts. Regards

Hi Yes I have but nothing in return I'll be speaking to mediators and will ask them then I did send a request but nothing returned or response.

Hi Update of an update. It would now appear its gone to mediation and they are pressing to go to court unless they get full payment and any accured intreast. I have point out the statued barred account but the claimants are saying its not and the limitations act is not applicable in this context the mediation service wants to put it in front of the judge effectively washing their hands of it. So there you are. Would appreciate some advice since none was forth coming on the last update. Regards

Hi again, So here's the update. I have just today received the notice of allocation to the small claims track (Hearing). It states that the hearing is set for 3/10/2013 at north shields county count (my local) at 10am which should take no more than 2 hours but it also states its on a back to back listing. The hearing fee to be paid by the claimant is set at £325.00 by 19/09/2013 failure to pay would mean hearing being removed from the list ?, does this mean removed and gone for good ?, or simply moved for allocation on another time and date?. Also says the judge considers this case is suitable for mediation in the first instance and has referred the claim to the court service mediator. The parties are directed to consider mediation and the case is stayed ?, to enable the parties to attempt settlement. There is also a email and phone to contact these guys without recourse to other party. If no agreement is reached then of it goes to court. So given this letter from the courts where do I stand and as you have suggested you may be able to help to complete this without going to court. I am tempted to email the service just to state that it's well over 6 years and is statued barred. I'm sure there is a correct and legal way of doing this. Please advise when you can Regards Simon

Hi citizenB Thank you for your reply, as soon as I get any heads up on this I will let you know post haste.. Regards Simon

Hi I have just received a letter from the courts in Northampton in regards to this on going situation and suffice to say it has been transferred to my local county court where on receipt of the file will then be referred to a procedural judge who will allocate the claim track and give management directions. Details of the judges directions will sent to you in a notice of allocation. So if anyone can help does this mean I have lost this case? . Regards

Hi Meganimoo, Thank you for your reply, very interesting how you have dealt with this, because my understanding is that they would not entertain anything short of complete control. I'm interested in the fact you have used email to set this up, any chance of the email address you used to do this? . You mentioned that you only allow between £5 - £10 did they accept this from you or did they try and negotiate a different amount. If they accepted this then I will deal with them this way. Regards Simon

Hi Thanks for that information, to be honest I wish they had then I wouldn't be in position. But I suppose it is whom you get. Maybes get better commission if ghey did it via their own methods who knows. I'm tempted to give another go but I'm also concerned that the amount has also been updated.um a dilemma indeed whether to do it or not?. Any advise? .