HSBC Card debt - various DCA's - Now MKDP claim form***Claim Discontinued***

[unimatrix1066]

I was paying off my credit card via capquest up to November 2009, with a letter from capquest confirming intrest to be frozen.

 

HSBC took it back over in December2009 and did not acknlodge this agreement and have been asking for the amount prior to Capquest taking over the account.

 

I have written to HSBC enclosing the letters but they are ignoring it.

 

I have stopped paying the card and now have a debt collection agency on the case.

 

If it went to court where would i stand,

producing copies of the letters would the court agree that they are wrong

Cheers

[johnnymitch]

Hi unimatrix ,

 

I don't think HSBC can play fast and loose like this ,

... they let the debt go ....

. Capquest may have bought this from HSBC and agreed to freeze your interest ...

.. they wouldn't have authority to do this otherrwise IMHO ....

 

Bit of a mistake to stop payment ,

it's set them off with DCA s again ...

....which DCA by the way ? wouldn't be Metro would it ?

 

I would try setting your payments back in motion as under the old agreement and stop paying when you think you've paid it off .

..they may take you to court for the balance , but I'd be surprised if they did , given the history ....

... and you'll have shown a court that you honoured your part of the agreement .....

[unimatrix1066]

thanks for that, the company is NDR I think , i will send them a letter with all the details and see what happens

[johnnymitch]

Hi again unimatrix ...

 

It might be worth having a look at this link ref NDR ..they sound like a dodgy mob to me ........

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?37716-NDR-debt-recovery&p=3069011&viewfull=1#post3069011

[unimatrix1066]

i have credit card debt with the above back in 2008

 

i had an agreement to pay x amount each month interest free back in 2008,

after a year and a half hsbc took it back and would not acknowledge this,

 

they then passed it on too 3 different firms ending at clarity who have said they will not deal with it and i have heard no more.

 

the debt is about 300 under my orginal agreement but the last letter stated 3k were do i go from here?

[dx100uk]

check your CRA file

 

dx

[unimatrix1066]

Back in 2008 my card was passed to capquest for collection, i entered into an agrrement to pay back x amount every month with interest frozen.

After about a year an a half hsbc took back the account , but would not reconise the new balance at a lower rate, i made 2 payments to them but stopped as they would not accept this.

It was then passed to moorcroft who collected for about a year monies , but would not address the above.

It was then passed to another company who i told i would not pay due to the balance issue.

It was finially last year passed to mkdp.

I spoke them about the issues and they said they would look into it.

They came back about november saying i should complian to hsbc to resolve the issue, i did statig the orginial agreement with capquest a copy of there letter agreeing this.

Hsbc came back saying the debt was with mkdp now and not capquest, but never addressed my orginal compliant

So mkdp are chasing the debt now , i spoke to them today they suggest paying 1 pound for a statement, but i pointed out the problem is with hsbc.

The orginal debt was 4800 , paid down to 2.5k under capquest nd with further payments to others amounting to 568.00 i would like a bit of advice as to the best course of action

Thanks

[silverfox1961]

Hi

I have moved your thread to the debt collection industry forum as I believe that will get you the best assistance but I have left a short re-direct in the original forum to assist.

 

I would be sending HSBC a SAR to get all your account info. Be aware that HSBC are sticklers for ID proof so if they refuse on ID grounds, offer to cllect from your local branch where you will provide suitable ID.

 

Your account info should still be with Capquest (even though they are no longer collecting) so you could send them a letter asking for the account info they hold.

[unimatrix1066]

I ve not received anything from hsbc as yet, if they do not reply to my request as advised with a cheque, what is my next step?

Thanks

[Bazooka Boo]

If they don't respond within the 40 day period, then your next step is to report them to the ICO.

 

They have 40 calender days in which to send you the documents asked for.

[unimatrix1066]

If they don't respond within the 40 day period, then your next step is to report them to the ICO.

 

They have 40 calender days in which to send you the documents asked for.

 

Ok no problem I will check the date I sent it and see

Thanks

[unimatrix1066]

Just got the SARS back after HSBC rung up saying they had only just received it, it does not cover the period that i am disputing which is over 6 years ago with the balance reducing as interest

Had been frozen.

Just wondering what the next course of action should be?

[unimatrix1066]

Back in 2008 my card was passed to capquest for collection,

i entered into an agreement to pay back x amount every month with interest frozen.

 

After about a year an a half HSBC took back the account ,

but would not reconise the new balance at a lower rate,

i made 2 payments to them but stopped as they would not accept this.

 

It was then passed to moorcroft who collected for about a year monies , but would not address the above.

 

It was then passed to another company who i told i would not pay due to the balance issue.

 

It was finially last year passed to mkdp.

 

I spoke them about the issues and they said they would look into it.

 

They came back about november saying i should complian to hsbc to resolve the issue,

i did state the orginial agreement with capquest a copy of their letter agreeing this.

 

Hsbc came back saying the debt was with mkdp now and not capquest,

but never addressed my orginal compliant

 

mkdp are chasing the debt now ,

 

i spoke to them today they suggest paying 1 pound for a statement,

but i pointed out the problem is with hsbc.

 

The orginal debt was 4800 , paid down to 2.5k under capquest

and with further payments to others amounting to 568.00 so requested SARS

 

Just got the SARS back after HSBC

rung up saying they had only just received it,

it does not cover the period that i am disputing which is over 6 years ago

with the balance reducing as interest Had been frozen.

 

Just wondering what the next course of action should be?

[dx100uk]

stop talking to fleecing DCA's on the phone.

 

they are NOT BAILIFFS

 

and

 

have NOT SUCH LEGAL POWERS.

 

have you sent MDDP a CCA request

 

and is this on your credit file.

dx

[dx100uk]

3 threads on same debt merged

 

please keep to one thread per debt

 

dx

[unimatrix1066]

The debt is on my credit file , I got an experian report .

So if I send a cca to mkdp what will be my options then

Cheers

[dx100uk]

bugger off time if they have not got one!

 

what is the defaulted date from the summary?

 

and have you ever sent HSBC an SAR

to get all the statements

 

and look for PPI/Penalty charges to reclaim.

 

dx

[Bazooka Boo]

You've been cash cowed....take back control of this.

[unimatrix1066]

You've been cash cowed....take back control of this.

 

Hello

I ve got the SARS yesterday , but it does not cover the period with cap quest prior or around 2008.

I will ask for the credit agreement and look at the summary on the credit report.

[Bazooka Boo]

If the SAR is not complete then tell them, however if the 40 day period has yet to expire then wait until it is up before writing to them to request if this is ALL of the files they have.

[unimatrix1066]

Just received today in the post a county court cliam form from mkdp for 3086.55 plus costs with various paper work requiring filling out.

It states you must return it within 14 days of the service but it was issued on the 1st and now it's the 7th.

What is the best thing to do?

[dx100uk]

fill this out please

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

 

dx

[unimatrix1066]

Here are the details of the form

 

Just getting a bit worried as i do not want a CCJ

 

Name of Claiment

MKDP LLP

Fleming house

Seebeck place

Knowlhill

Milton Keynes

Bucks MK5 8FR

 

issue date 01 may 2014

 

Claim Particulars

 

The claiment claims the sum of 3721.00 being monies due from the defendant to the claimant

under a regulated agreement orginally between the defendant and HSBC bank PLC.

 

The defendant account number was xxxxx and was assigned to the cliament on 29/01/2013,

notice of this has been provided to the defendant.

 

The defendant has failed to make payments in accordance with the terms of the agreement

and a default notice has been served pursuant to the cosumer credit act 1974

 

the cliament cliams the sum of 3721.00 and costs

 

the cliament has complied , as far as is nessary, with the pre action conduct practice direction

 

there is no section 69 as part of the form

 

the claim relates to a credit card from a date of 2001 onward

 

The claim is from a debt purchaser

 

I was aware of the assignment of the debt

The orginal creditor informed us of the sale of the debt

 

I do not recall receiving notice of default sums every year

 

payments ceased as HSBC would not recognise previous agreement in writing with a previous debt collection company

reducing the balance to below 700.00

 

the dispute with orginal creditor remains

 

no attempt to enter debt management plan, for the amount owed would have just paid it

[unimatrix1066]

just got a question about the acknowledgement form, with regard to the amount owed, i my agree with the lower amount being outstanding but the higher not should i contest the whole amount only?

[dx100uk]

unless you defend all

 

you'll get a CCJ anyway

 

dx