Phone calls have started today, two already. 03332400233. Have goggled it and it came back as MKDP.

Okay, my calculations were wrong. Charges are £216 and compound interest is £420 using 24.9%. The debt is £2,500. I'm worried about CC action so I'm thinking about reclaiming and putting my account into dispute with the DCA in the hope BC will buy it back. Is that wise? Who's the better evil? If I do, will this count as acknowledging the debt and reset the SB clock or have I already done that by making the CCA request?

If I was to sue BC for the charges would that stop MKDP from chasing the debt? Even if BC didn't buy it back?

Thank you very much who fixed my PDF's, just noticed xx

Thanks for the replies, very much appreciated There's no PPI just 15 x £12 first in Nov 09 and the last in Jul 10. I have no clue what I should do next!!!

Okay, I'm attaching the pages sent to my by MKDP. As to what date, there is no other date contained in the T&C's sent by MKDP. I can only refer to the date contained in the header of pages 7/8, a date that's not applicable to any of my correspondence and looks like a faxs header?

* Just to confirm, I made the CCA request to MKDP and MKDP replied with the T&C's and BC statements not BC as my first post might have implied.

Defaulted in 2010, its on my CRA file and MKDP are the owners. There was old BC duplicate data on there but I complained about the duplication and had the old BC data removed. I've made a SAR to BC in December and got back my statements along with a signed copy of my application made in 2004. There are 15 charges of £12, the first in Nov 09 and the last in Jul 10. I found a link on here back in December and entered the figures into a spread sheet, I'm really not sure if what I done was right as it said the total claim is £1.055.05? Could that be true? I've attached a photo of the xls. I've done my homework to the point that I feel like I'm chasing my tail. Assuming I'm correct, they can't successfully win judgement at the CC if there's no signed CCA? I don't want to just ignore MKDP as I feel I might have a case to stand my ground but I'm not 100% sure. I want to reply but I don't know what I should say to be affective.

Hello I have a second BC debt being collected by MKDP, it's for £2,500 and is not SB. I made a CCA request during summer last year and followed that with a failed CCA letter. This week my failed CCA request letter has been answered with a few pages of T&C's and some copy statements from BC. MKDP state that I am liable for the debt and they will now resume collection activity. There is nothing with either mine or BC's signature, even a letter they included supposedly from BC responding to my CCA request wasn't signed and looked a bit suspect, was dated June 2013! I was wondering what I should do next? From what I understand it's not enforceable as there's nothing signed, I want to send the failed letter again but I don't think the wording would suit this case and don't want to come across as if I don't know what I'm doing. Thanks for any suggestions on my next move.

Hi Slick, thanks for the reply and clarity. Charges amount to only £231 at a rate of 24.9% so nothing too exciting there I guess

Hi Slick SAR received today. Some nice to knows for anyone in similar – My SAR request was fulfilled with all the data Barclays as a whole had on me, loans, current account etc. I wasn’t expecting that. As I had two cards with BC, I made two separate requests so I guess if you have multiple cards/accounts with Barclays you can save yourself the postage. Also, it came from somewhere in Cheshire not the familiar Northampton or Churchill Square so don’t get paranoid like I did, it’s not County Court docs! They supplied loads of data, included was the 'agreement' just as post #3 only even more difficult to read, it’s the digital application with some terms, no signature, the box titled 'digital signature and authentication' is blank, the document is tiny, 1/3rd of an A4 page and almost impossible to read. So, next move? There are only 15 over limit/late payment charges of £12 each, the first starting Nov 09 and the last in Jul 10. I’ve read in another thread on here that if you start reclaiming charges BC will buy the debt back from the DCA. Do I try to reclaim the charges and if so, are there repercussions? With regards to my CCA requests to Frederickson, they have again said that my account is on hold for 14 days to allow me to make my CCA request to Lowell’s. Do I send a failed CCA request letter to Frederickson or should I do as they suggest and make the CCA request to Lowell’s? Lowell’s will obviously respond with the same document as in post #3 as that’s all they will have. Will such a response warrant a failed CCA request letter to Lowell’s legitimately putting my account into dispute? I guess this would be the ideal situation but I’m not 100% clear if this document satisfies their responsibilities thus invalidating my failed CCA/account in dispute letter leaving the possibility of a court hearing hanging. Thanks in advance for your advice.

Just a quick update for anyone reading in similar situation. Fredrickson have returned my PO again and have referred me back to Lowell's with regard to my CCA request for the second time. Had an attempted DHL delivery, I'm guessing it's my SAR request from Barclaycard. It's being redelivered tomorrow...

Eek! This bot knows how to use a stapler! Lol. Will feel much better or dare I say worse when BC come back with my SAR request, I guess then I will SEE what they have CCA wise as I need an electron microscope to interpret what Fredrickson sent me after my prove it letter. Thank you dearly slick, dx, renigadeimp and stigman for your help so far.

I had a horrible feeling of not wanting to rock the apple cart today but I took deep breath and sent it earlier. I stapled the returned £1 PO to my letter just as they done in their reply. Also, when I removed the PO from their letter it revealed their letters signature, it was signed FREDRICKSON INTERNATIONAL LTD, in bold text! Funny, their introduction letter had a rather flamboyant signature, is this an attempt to intimidate or am I reading into things too much!?

I'm thinking of sending this... Anyone got any thoughts? Thank you for your letter dated the 6th of November. I would like to point out that both you and Lowells have sent letters stating that all contact about this alleged account should be made to Fredrickson International. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass my request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 (6) will apply. Yours faithfully