I think your query is rather very irrelevant at this point as a Court Judgement has already been made. I trust you'll appreciate that County Court judges are not stupid people. Moreover, the onus is on the claimant to proof that there is indeed a valid debt owed to it. Please, refer to the extract of my initial submission below... "I went to the court and I was successful in having the CCJ set aside. Following which MKDP then took me to court claiming that I owed the best part of £5K. The District Judge on the 18th of June 2014 struck out MKDPs claim as she had directed on two different occasions that MKDP provide evidence that I owed Barclaycard, and MKDP still did not provide the evidence...I'm guessing because they had nothing to present. MKDP's request afterwards for an appeal was also denied."

Thanks for your response. Please, can you expatiate a bit more on the 3 letter process with the unilateral contract containing a fee schedule?

Hi, Thanks for your response. Please, can you expatiate a bit more on the 3 letter process with the unilateral contract containing a fee schedule?

I noticed last year (2013) that MKDP has entered a record of a CCJ and default out of the blues against me on my credit file. As I have never had any dealings with MKDP whatsoever, I called to challenge the entry on my file. MKDP claimed they had bought a debt i owed to Barclaycard. For the record the Barclaycard debt was settled/satisfied in 2009. There is a record to this effect on my credit file. I went to the court and I was successful in having the CCJ set aside. Following which MKDP then took me to court claiming that I owed the best part of £5K. The District Judge on the 18th of June 2014 struck out MKDPs claim as she had directed on two different occasions that MKDP provide evidence that I owed Barclaycard, and MKDP still did not provide the evidence.. .I'm guessing because they had nothing to present. MKDP's request afterwards for an appeal was also denied. MKDP has also not made any request for an appeal of the decision to a higher court within the 21 days allowed by law. This in effect means MKDP can never again come after me for this fictitious debt! Now to the crux of the matter, MKDP is still insisting, despite the court judgement, that I owe them and thus have to pay them before they remove the default record from my credit file. I have written to Equifax attaching a copy of the judgement. But, to my amazement, Equifax have written back advising that the default record entered by MKDP cannot be removed as MKDP are of the opinion that I still owe them. Equifax have advised that the record can only be removed at the behest of MKDP. So, please what can I do legally to get this fictitious record on my credit file removed. Is the court judgement not enough to get it removed? Can MKDP still insist on me paying a debt that I do not owe and that the courts have also adjudged that I do not owe? Despite the fact that there is no legal means left open to MKDP it appears I'm still being held to ransom by this dodgy company. ..is there nothing I can do legally?