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    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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MKRR chasing settled welcome finance debt


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start a new thread

 

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cra files dont show agreements

 

what are talking about?

 

from the history Welcome wrote the debt off against tax in 2008.

and sold it on a phishing list.

 

MKRR brought it in 2011.

 

yes

 

 

Sorry haven't posted in a whiles...

. Terrible family problems........

 

Ok so further update....

 

... I received a letter in July 2012 from MKRR (who supposedly purchased the debt from WFS)

stating they are investigating my dispute (originally disputed in 2010) and they are going to contact wf and will come back to me no later than 15 August 2012,

 

today is 26 August 2012 and yup u guessed it....

.. Nothing...

... Do I contact them and say the matter is closed????

 

Also I checked my credit file and MKRR have updated my credit report (20 aug 12) stating that I defaulted with them in 2010, is this correct..

 

. They didn't serve me any papers and surely if I would of defaulted with anyone it would have been WFS and they should of updated my credit report.

 

I'm soooooo confused

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can i clarify things please:

 

this 'debt' only shows ONCE on your cra file

MKRR are just updating the old wfs entry yes?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no such thing as default satisfied.

 

it cant have both WFS & MKRR listed either.

 

can you scan up the page?

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Can't scan anything at the moment unfortunately.....

... I'll try and explain better til I can.....

 

. the credit agreement with WFS shows as satisfied in 2009,

they updated this according to my file also in 2009.

WFS never registered any default with me.

 

MKRR then "bought" the debt in 2010 (no papers to confirm this, which I've requested)

and have registered a new entry on my credit file August 2012 stating the account was defaulted in 2010.

 

Hopefully will be able to scan docs up tomorrow

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you cant have two OWNERS named for the same account on a cra file.

so thats not what it says.

 

either WFS own it or MKRR do. they cant both.

 

i would suspect WFS defaulted it before they sold it.

 

MKRR would then have their name against it all.

 

why can you not use a mobile phone or digi cam?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

all that shows is is 'someone'

defaulted the account in 02/01/10

 

 

and that MKDP LLP own the debt.

 

wheres the eveident about welcome had settled before.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 3 weeks later...

Settled agreement 09 is the first entry om ,y credit report which showed the matter as settled, then when MKRR bought the debt in 2010 a further entry was placed on my credit file (agreement10).

 

I queried this with MKRR and they said they would investigate, see pdf letter, the timeframe has now passed for them to respond, im not sure what my next step is

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can we have the full file

page 2 shows other relevent entries.at the bottom.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Without wishing to sound like a broken record - have you made a formal CCA request - which will not only give you the answers to your questions, but if they fail to respond with the correct information, you are then protected by the fact that a court can not enforce the debt untill they do.

 

I did do that... and their reply was the uploaded document titled letter

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can we have all the agreement

 

and all the CRA file

 

on page no 2 the PDF in post 35

 

at the botton it shows another MKRR record.

 

we need to see ALL the entries relating to welcome/MKRR

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

ok so to compile things the cra file states:

 

19/04/06 HP Loan - £229*49=£11,221 settled 02/02/09 Welcome

31/10/08 Loan - Defaulted 02/01/10 £6,609 - bal £5624 20/08/12 - MKDP

23/02/09 HP Loan - £121*64=£7744 settled 05/03/10 Welcome

23/02/09 HP loan - Query 20/08/12 Bal £7410. MKDP

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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in conclusion:

 

you need to complain to the cra's

 

the last 2 entries are for the same debt

 

it should not be listed twice.

 

mkdp shout all they like that you owe money

 

they have NO AGREEMENT, no proof of payments or not.

 

ignore them you owe now to no-one.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

in conclusion:

 

you need to complain to the cra's

 

the last 2 entries are for the same debt

 

it should not be listed twice.

 

mkdp shout all they like that you owe money

 

they have NO AGREEMENT, no proof of payments or not.

 

ignore them you owe now to no-one.

 

dx

 

Hi there

 

Was having problems for a while posting replies, dont kno what happened.

 

I have put in a complaint to the CRA re the double entries, but then to top it all I receive a call from MKRR today from a patronising lady named Amanda demanding i set up a payment plan with them for the outstanding amount of £7k.

 

The advisor also went on to say that they have sent a letter out today with copies of what i requested in my SAR, the documents they were supposed to send by no later than August 2012. Then I received a further call from an advisor named Abi who states that the letter generated today is a standard automated letter demanding payment.

 

They are doing my head in..

 

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STOP TALKING ON THE PHONE.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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