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blurredl

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  1. You are a star thanks ever so much Brigadier!
  2. Good morning I'm not sure about forum etiquette as I have already posted this on the Welcome thread but that doesn't seem to have much traffic from caggers so apologies if I haven't done the right thing. I was hoping to get some help with an old Welcome debt which was apparently bought by MKRR in 2010, I took out a £2000 loan in September 2007 and unfortunately only managed 2 payments. Welcome appeared on my credit file until recently but all payments recorded are not accurate it says I started paying in May 2007 with first late payment in July 2007 this before I even took the loan out.History also shows as various late payments of between 1 and 6 months from July 2007 to October 2009, I have definitely made no payment or contact since October 2007, I am 100% sure of that as I lost my job at that time amongst other things. In December 2009 the account shows at satisfied (no defaults) and then in January 2010 MKRR recorded it as a default. I have received varying letters from MKRR, Willen, Raven Recoveries and Keynes Collections since 2010, the most recent from Keynes looking very official with a notice of intended legal action in 14 days for the sum of £6,000. I have been looking through some of the other experiences on here and it seems that this has happened to quite a few people, some advice is to ignore as it’s statute barred but others advise to make contact in writing I want the default removed but didn’t want to make contact with mkrr without some advice first also if they wrongly believe that they have a judgement claim I want to try and stop action before I have to deal with the courts. Any help and next steps would be greatly appreciated.
  3. I was hoping to get some help with an old Welcome debt which was apparently bought by MKRR in 2010, I took out a £2000 loan in September 2007 and unfortunately only managed 2 payments. Welcome appeared on my credit file until recently but all payments recorded are not accurate it says I started paying in May 2007 with first late payment in July 2007 this before I even took the loan out.History also shows as various late payments of between 1 and 6 months from July 2007 to October 2009, I have definitely made no payment or contact since October 2007, I am 100% sure of that as I lost my job at that time amongst other things. In December 2009 the account shows at satisfied (no defaults) and then in January 2010 MKRR recorded it as a default. I have received varying letters from MKRR, Willen, Raven Recoveries and Keynes Collections since 2010, the most recent from Keynes looking very official with a notice of intended legal action in 14 days for the sum of £6,000. I have been looking through some of the other experiences on here and it seems that this has happened to quite a few people, some advice is to ignore as it’s statute barred but others advise to make contact in writing I want the default removed but didn’t want to make contact with mkrr without some advice first also if they wrongly believe that they have a judgement claim I want to try and stop action before I have to deal with the courts. Any help and next steps would be greatly appreciated.
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