Hello all, I'm completely new to this so please excuse any ignorant mistakes I may make I'd be so grateful for any advice/suggestions you kind people may have. Out of the blue I received a Claim from MKDP LLP (wow I've read some bad things about them and Sarah Lambert on some forums!) on 29th August. I received a letter from Raven Recoveries in November 2013 about the debt, but had no idea who they were. I'd never received a letter of transfer of ownership. I contacted them via post but never heard back from them and then never received any warning of legal action. I get lots of nuisance calls which I'm assuming is this company, but they never leave voicemails (even though they claimed they have when I spoke with them two days ago) and I don't believe I ever provided them with my mobile number. They were incredibly rude on the phone and unwilling to co-operate. Firstly, I'd like to contest the claim as I never received any notice of legal action and they have previously failed to respond to my correspondence. Secondly, this was a credit card I had initially with Morgan Stanley some time before 2006 (I don't have paperwork from that long ago where I'm currently living). This was then taken over by Goldfish (which I was never notified of) and then on to Barclaycard. The account number assigned to Barclaycard is different from the original one with Morgan Stanley - I'm not sure if this matters or not. I know my next step is to acknowledge the claim and then I believe I should send a CCA request and a CPR 31.14 request to Sarah Lambert who is the claimant so I can have all the appropriate documents to support my defence. I'm not disputing the debt, but I'm disputing their conduct - which option do I tick of the following? 1. I intend to defend all of this claim. 2. I intend to defend part of this claim. 3. I intend to contest jurisdiction. Should my communication be only with MKDP LLP? I don't have any paperwork proving they legally own the debt, should I also be writing to Barclaycard? I've never experienced anything like this before, so once again please excuse my ignorance to the situation. If anyone has any advice for me, it really would be most appreciated. Thank you so much.

Hey, Perhaps someone can help mere here. There is a dept on my credit file which I believe is from Welcome Finance about 7 years ago that I had problems with. This debt is now showing as being under another company called Mkdp Llp and it shows the account was taken on on 22/10/2007 and a default was registered on 2010. Anything I can do to take this off and is it still statue barred? Many Thanks Scott

Hi all. Hope someone can offer some advice as to how to proceed regarding defence submission. Details as follows: MKDP LLP issued County Court claim form (bulk centre) on 21 Oct regarding a credit card debt allegedly had with Barclaycard. I have no record of the account and have never received any paperwork relating to it and have never made any payments to the account. I received the claim form on 24 Oct and acknowledged service and intention to defend online on the same day. Deadline for defence submission 23 Nov, although the Court advised as that is Saturday, they will accept sumbission on Monday 25 Nov. I sent CPR request for copies of documents referred to in PoC on 25 Oct which was delivered and signed for by MKDP on 26 Oct. No response at all to above by Weds 20 Nov so sent an email asking when they would be supplied. No response to that email so rang on Thurs 21 Nov to request response. They asked for my DoB which I refused to give (I am unsure exactly as to where they got this info from??) so they refused to speak to me. They gave me another email address for their legal department so I re-sent the email chasing a response. Finally received one back with what seems to be (having read many threads on this forum...!) their standard "we are not the original lender so have requested the documents from BC which may take up to 6-8 weeks. Therefore we will allow you up to 14 days after this to submit your defence". I replied requesting their written agreement to a specific date (as directed by the court) which I gave, and showed how I had worked out that date, based on MKDP's estimate of 6-8 weeks + 14 days. No response so sent another email at 5pm Fri 22 Nov saying if they didn't respond I intended to apply to court to have claim struck out on the basis that it couldn't succeed. This may have been the wrong thing to do but I was in a bad mood and wound up that these types of companies appear to be able to get away with not following the guidelines, yet if I don't (i.e. submit defence by the deadline) they can automatically get judgement against me! I have not received anything from MKDP since then - so as I don't have agreement from them as to a specific date to file my defence, what do I do now? I don't believe trying to get the claim struck out at this stage will get me anywhere, and I don't have time to do this before having to file defence anyway. I can't submit a decent defence without having a clue as to what this alleged BC account is - all I have is their word it exists. So do I submit a defence denying the allegations - but how do I defend, other than to say I have no record of any such account. This seems a bit flaky and surely that's what most people would try if they were trying to avoid paying a debt? Or is there another / better course of action? I can post up PoCs if necessary/helpful. Thanks in advance for anyone's help!

hello I been following some of the threads on here since i join. My Story: ...2007- leave home. 2009-left UK. I arrive back in UK and moved back home last July. 26/10 i received 4 claim forms NCCBC DOI:23/10 I post my AS 29/10 I send letter to court and cc claimant "Request for production" on 11/11 (recieved 12/11 RM web) I send CPR to claimant 12/12 (recieved 13/11 RM wed) not heard any yet so far. I need HELP with a good defence so i can post this Thursday 21/11. I do not know whats this about. I do not have any documents hold since leaving the matrimonial home in 2007 nor letters received from the claimant before this action. HELP me please!

As suggested starting new thread re Court Claim from MKDP LLP re HSBC Loan. Claim Form dated 29th April 2013. Particulars of Claim The Claimant claims the sum of £1x,xxx.xx being monies due from the Defendant(s) to HSBC Bank Plc under a loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on xx/xx/xxxx. Notice of Assignment has been provided to the Defendant(s) . The Defendant(s) loan account number was xxxxxx/xxxxxxxx. The Defendant(s) has failed to make payments in accordance with the terms of the loan agreement. A Default Notice has been served pursuant to The Consumer Credit Act 1974 by HSBC Bank Plc. The Complainant claims the sum of £1x,xxx.xx and costs. The complainant has complied as far as is necessary with the Pre-Action Practice Direction. No Default Notice or Notice of Assignment has been received. Claim acknowledged and extra 14 days asked for submitting defence. CPR 31.14 sent and received by them on 7th May 2013 asking for: 1. The agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2. The assignment 3. The default notice 4. A statement of account showing how the amount claimed has been reached. These letters were sent by Special Delivery and were received and signed for on 7th May by MKDP LLP. In addition to this a SAR was sent to HSBC again by Special Delivery and was received also on 7th May. This would not be Small Claims as I understand it. This may be statute barred but until we can get access to relevant bank statements we cannot be certain. Is there anything else we should be doing at this stage?

Hi, I am a complete newb and have been reading through a lot of the old threads and think I've got a grip on what I should be doing but was hoping some kind users wouldn't mind glancing over my case before I act. I received a claim form from MKDP LLP on the 18.6.12 (well actually a lot later than that but that's when it was dated) via Northampton County Court. I owe them £3206.95 but simply do not have the funds to pay as I'm out of work and having to claim JSA. Should I try and defend this case or buy more time? Have been thinking of trying the CPR 13.14 as I really have no idea anymore how much I actually owe and have lost all records. I really don't want to have to face bailiffs so any advice would be greatly appreciated. Thank you in advance, Lucas