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About natedogg3105

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    Basic Account Holder
  1. Just received a letter that they have sold the debt to Hoist Portfolio Holding 2 Limited who advise to speak with Robinson Way in the future. Is there anything for me to worry about with this development?
  2. Sorry for the late reply....yes there is an MKDP note on the report with the balance, I actually sent a statute barred letter in the meantime to see what they would say back using templates. Got a reply dated 14th August 2015 stating it isn't statute barred as a cash withdrawal was made on a statement that they attached highlighted 20th August 2009 (They stated correctly it was within the last 6 years). My query is what do I do now as it is the 24th August so the 6 years passed 4 days ago as per their evidence?
  3. Hi, Just a quick update ......recieved this letter today advising that they have investigated and that they have removed default etc from credit report but will continue to pursue. Strange as they also sent me the statement of accounts showing that no payment or acknowledgement has been made since 4th January 2008 which is beyond the 6 years......any tips on how to proceed, pics attached. Thanks all [ATTACH=CONFIG]59018[/ATTACH][ATTACH=CONFIG]59019[/ATTACH]
  4. Will do, presuming from your response I've made an unwise decision? [ QUOTE=theoldrouge;4767063]Oh dear, just SAR to welcome then
  5. They didn't send me anything.......just got panicked after reading they suddenly spring in to action sometimes when the account is about to get knocked off the credit rwport so rang national Debtline who said could pre-empt it with a statute barres
  6. It was the National Charity Debtline, just rang them for advice as was worried about them waiting until just before default would fall off credit report then start CCJ proceedings and they told me to send that letter off the website
  7. Thanks, but I've sent the letter before I posted this because the Debtline advised it in case they try and launch a CCJ just before the default drops off on 2nd January......hoping I've not done the wrong thing now
  8. Hi, Thanks for the advice but I'm under the impression it should have been statute barred way back in 2013 as last contact or acknowledgement was in Dec 2007? NS
  9. Hi, Anything I can or should do regarding a Nationwide account currently with MKD at £587 despite credit report reading 'Defaulted on 11 Apr '11 with a default balance of £0'. Account was opened on 5th July 2006 and no contacts or payments been made since 2009 at the most... .the entire balance is charges as never had credit or overdraft. Any advice kind folks? Thanks NS
  10. Hi, Just checking that my debt would be statute barred - it is unsecured loan and balance now showing is £2984. Last payment was made on 7th December 2007 to welcome finance themselves and no communication has taken place with MKD or Welcome since except for sending this letter today. - Dear Sir/Madam Without prejudice Account No: ******8158 0 You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the Limitation Act 1980 Section 5: “An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” I would point out that in their Consumer Credit sourcebook, the Financial Conduct Authority states the following rules: "...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4 "A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8 The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed. I would also request evidence that Welcome Finance did not also put a default on the account more than six years ago as I allege that you have placed a second default for the same debt. Therefore, I would request it is removed from my account. I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I look forward to hearing from you. Yours faithfully Have I done the right thing, default is due to go off credit report on 2nd January 2016 - but a seperate query exists as to whether MKD put another default on the file years later as well as Welcome Finances original default (unfortunately cannot prove this as no data from Welcome is now on my report). Should I do a SAR on Welcome as well to find this out? Thanks NS
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