Help with Welcome/MKRR

[tallulahbean]

Hi all,

I would really appreciate some advice if anyone can help?

I got a loan through Welcome in April 2007. I made payments for the first 3 months then started to struggle so signed a new agreement with a reduced payment. I made these payments for a couple of months and then became homeless and stopped paying. My last payment was January 2008 (I think).

Stupidly, once I was back on my feet I didn't contact them and kind of hoped it would go away.

Last September they sent bailiffs (apparently) to my parents house. I didn't live there then and didn't when I took the loan out. My parents (who I do not have a relationship with) told them I don't live there and then nothing else was heard from them until today.

I have received messages on both my work phone and mobile phone from a man at MKRR asking me to call him in regard to the welcome loan.

Now in the meantime I have had a baby, split with my partner and once again I have no fixed address. (My daughter lives with my ex). Yes I know my life is a mess and I am trying to sort it out.

Can I stop this new company calling me at work? And should I talk to them with regard to making a repayment plan? I don't have any of the original paperwork as it was lost when I left my previous address.

I can't request anything in writing as I don't have an address it can be sent to, so what should I do?

Any help will be gratefully received.

[Fester Tester]

If baillifs have been involved, you can probably assume this has gone to court and you have a CCJ against you. However, I suspect that whoever called may have simply tried to pass themselves off as bailiffs, when they are in all lielihood, common or garden gangsters. Errm, debt collectors. Yes, that's what I mean.

 

Gangsters have of course some sort of moral code that they abide by, however warped and twisted it might appear to normal people. Whereas debt collectors...

 

And since this MKRR crowd have been able to track your phone number down, it seems reasonable to assume that they know your address. So why have they not bothered writing to you at your current address? Because they are a shower of feckless inbreeds. Or something along those lines anyway.

 

It seems that MKRR are involved with handling a few of Welcome's debts right now. Whether as purchasers or simply as a DCA I do not yet know.

 

But I do wonder though, that if they are just a DCA, why has it been passed to them, rather than the Lewis group.

 

So what to do about the calls? I would simply tell them that you have no idea what they are talking about, to please stop calling as they obviously have the wrong person (it happens more times than you think), and if they really want to get hold of the person they claim owes money, to write to them as should have been their first action.

 

Failing which, you wil report them to Trading Standars, the OFT, Uncle Tom Cobley and all.

 

At least then, if they write to you, you'll be better prepared.

 

If they don't write to you, I'd just ignore the idiots and buy a very loud whistle.

[beyondhope]

Sorry Fester im giggling over your post I do love your sense of humour. Agree totally with what you have said

[Fester Tester]

OK, enough japery. Time to get serious.

 

In the first instance, anybody who simply phones is not entitled to a response whatsoever. Make it plain next time that you neither know who they are, nor will you put up with their nonsense. And that without proof of who they are, you are now going to report every call to the police as they are frightening and intimidating and could be anybody. And make sure you DO complain to the police. Make a note of dates and times of calls. to what number, and if possible, what the number was that called you.

 

They really do not have a leg to stand on at the moment and are bullying cowards literally trying to frighten you into paying up, when to all intents and purposes, they appear not to even know that they have the corrrect person.

 

It seems that Welcome are starting to sell some of their account on, and MKRR are now the recipients of that debt. So I imagine that this has what has happened to you.

 

But you should be aware that unless you are, at the very least, served with a Notice of Assignment, they have no right to be making any attempt whatsoever to collect on any alleged debt. In other words, they are at best, acting unlawfully.

 

In reality, absolutely anybody could make PHISHING calls in an attempt to illegally obtain money to which they are not entitled. And they could call themselves anything they want. How do you know they are genuine? Exactly. You don't. So you are perfectly entitled to complain to the police.

 

Oh, and I'm serious about the whistle. Just make it plain that you intend to use it. I'd give them about a 2 second warning.

 

Oh, and DO NOT let them bully you into revealing your address. This is information they should already have. If they don't, they can feckoff.

[tallulahbean]

Thanks for your responses Fester I have checked my credit file and it states there is a debt with Welcome that is satisfied and says that it has been assigned. It also states that I defaulted in october of last year?! I can't see anything relating to a CCJ or a debt with MKRR. I have had no post sent to my parents address AT ALL regarding this debt. Obviously they can't have an address for me as I don't actually have one, but my ex is still at the previous address and there has been nothing sent there either?! So it appears that they are saying I owe them x amount but have not written to me EVER regarding it?

[Fester Tester]

That's all fine, and confirms that the alleged debt has been sold on. No need to worry about anything at this stage. Once MKRR do write (and I suppose that's a big IF), that bridge can be crossed then.

 

Until that time, no need to worry about anything, as they are acting unlawfully at the moment. You are not obliged to pay, say, or admit to anything whatsoever.

 

Post up any letters you MAY get as a result. You MIGHT end up having to deal with them. But at least it will be on YOUR terms, and not theirs. Bullying **** that they are.

 

Bailiffs my posterior!!! HAHAHA.

[tallulahbean]

Thanks Fester.

Do you know with regards to defaults whether they have to be issued within a certain time scale?

[Fester Tester]

Generally, creditors will get fed up after about 3 months of no payment before issuing a default notice. Although recently, Capital One gave me about a year but I think that's purely because I've been in almost constant dispute with them.

 

Once a debt has been assigned, the new owner of the alleged debt will try to get a default on your files as soon as they can. As you've seen, Welcome have now washed their hands of things completely as far as reporting to the CRAs. Now MKRR (Milton Keynes Rapid Recovery) will say that they are obliged to continue the reporting of the default. They DO NOT have any right to report it as a new default, so they can't tell you it will be on there for 6 years. It's 6 years from the first mention by Welcome.

[Fester Tester]

Having had a look about, I see this wee snippet. It doesn't sound like they employ the same people as they are advertising for, does it?

 

 

[beyondhope]

hahahahaha 'compliant manner'