MKDP LLP ( Trade Pro ) fuel card Debt ?

[Piston Broke]

I have ( unfortuneately ) a Trade Pro account.

I have had this account for approx. 4 years.

The total owed is approx. £1700.

I have missed a few payments in the past and this is probably the reason why it is so high but have been keeping up the payments recently.

 

Yesterday I received a letter from Trade Pro ( on headed paper) saying that my debt had been sold to MKDP LLP and that all details have been transfered to them.

 

MKDP LLP has appointed Compello Operations Ltd. as their servicing agent to manage the account on their behalf.

With effect of the date of the receipt of this notice all payments should be made to MKDP LLP.

 

Compello Operations Ltd. will contact you to arrange payment of the balance.

 

Are Trade Pro allowed to do this ?

Should I get in touch with Trade Pro instead ?

 

These payments are really crippling me at the moment ( self employed, doesn't need explaining really !! )

and this millstone around my neck is something I really could do without .

I must have paid this debt off five times over by now and it isn't going down !!

 

Anybody got any advice please

 

Phil

[BRIGADIER2JCS]

Yes they can sell the debt at anytime.

Are you getting yearly statements on

the account?

I think it would be wise to check your Credit

reference files to see what balance shows there.

[42man]

Have you requested a full breadown of how the debt is made up (there may be some excessive charges) ? Trade Pro have probably sold the debt on for a fraction of what it originally was. You should try and set up a payment plan with them if possible of whatever you can afford...but check to see exactly how the debt is made up.

[Piston Broke]

Have you requested a full breadown of how the debt is made up (there may be some excessive charges) ? Trade Pro have probably sold the debt on for a fraction of what it originally was. You should try and set up a payment plan with them if possible of whatever you can afford...but check to see exactly how the debt is made up.

 

When you say requested a full breakdown of the debt, do I get that from Trade Pro or now MKDP LLP ?

Do I set up a payment plan with Trade Pro or MKDP LLP ?

And finally, if there are excessive charges, can I get those back and who from ?

 

Thanks in anticipation

 

Phil

[dx100uk]

IMHO i would SAR trade pro

 

i bet, as guessed already 42man

the debt is most prob inflaetd with unlawful PENALTY hagres like over/late etc etc

 

all of those can be reclaimed.

 

i wouldn't worry too much about MKDP & Compello Operations Ltd

they are really very low bottom feeders in the DCA world.

 

just dont forget

no dca actually h ANY legal powers

so dont fall fo their threats.

 

its obv that the account is a lemon

thats why trade pro have sold it

 

if they cant goto court with it

neither can any DCA!

 

IMHO i would drop your payment to say £5PCM

whilst you get that SAR info back.

 

dx

[Alloyz1]

 

MKDP LLP has appointed Compello Operations Ltd. as their servicing agent to manage the account on their behalf.

With effect of the date of the receipt of this notice all payments should be made to MKDP LLP.

 

Compello Operations Ltd. will contact you to arrange payment of the balance.

 

Are Trade Pro allowed to do this ?

Should I get in touch with Trade Pro instead ?

 

Hi

 

You said you were keeping up payments recently, so I presume you have not been served a Default Notice?

 

There will probably be a clause which states they can transfer the rights of the debt to someone else, however the new owner must abide by the original contract.

 

So if you have not been served a DN, MKDP LLP should not be asking for the full balance, just regular monthly payments, which you are already paying.They should only ask for the full balance if they have served a compliant D (Section 87(1) of the Consumer Credit Act 1974 I think???)

 

There may also be a clause which states they can call in the full balance at anytime, but this is virtually never used and they would need a very good reason resort to this clause and enforce it should you say you cannot pay the balance in full.

 

Hope that helps and I think its all pretty accurate haha

 

[Piston Broke]

I don't think I have ever been served a default notice, Trade Pro have threatened to serve but I'm fairly certain they never actually served it. As I say ,I have been paying regularly for a least the last 6 months

 

Phil

[Piston Broke]

So am I right in saying that I apply with a £10.00 cheque to Trade Pro for an SAR . Apply for all the charges back but in the meantime tell MKDP LLP that I will not communicate over the phone and only by letter and then offer £ 5.00 pcm .

 

Have I got this right ?

 

Phil

[BRIGADIER2JCS]

Basically yes!

Does this show on your credit files, if so

the entry will confirm if the account has

been defaulted.

[Piston Broke]

I have just checked my experian credit report and this account is not even entered at all . What does this mean ?

 

Phil

[dx100uk]

most prob statute barred

or

you had a default entered more thAN 6yrs ago

and its fallen off..

 

a change of tac might be useful here

 

get that SAR off to trade pro

and

i'd send a CCA request to MKDP LLP

 

if one or other or both

fail to comply, that would confirm SB status

 

who have you bee paying the PCM too? trade pro ?

 

there are ofcourse times when accounts dont show

 

it might be an idea to get another CRA file from a diff lot

 

who have you used so far

 

dx

[dx100uk]

sri experian.

 

ok get your noddle report

thats free.

 

dx

[BRIGADIER2JCS]

Agreed, get another CRA check done Equifax. Experian or Call Credit (Noddle free but no always up to date imo.)

 

SAR template in CAG Library, there is a£10 statutory fee and they have 40 days to

repy, address the SAR to the Data Controller.

[Piston Broke]

most prob statute barred

or

you had a default entered more thAN 6yrs ago

and its fallen off..

 

a change of tac might be useful here

 

get that SAR off to trade pro

and

i'd send a CCA request to MKDP LLP

 

if one or other or both

fail to comply, that would confirm SB status

 

who have you bee paying the PCM too? trade pro ?

 

there are ofcourse times when accounts dont show

 

it might be an idea to get another CRA file from a diff lot

 

who have you used so far

 

dx

 

Whats a CCA ? I have been paying to Trade Pro for some years and I am fairly certain I dont have a dafult notice with them, I have been threatened with one but don't think I got one !!

 

I have missed some payments in the past .

 

MKDP LLP have only raised their ugly head in the last week untill then I have dealt only with Trade Pro

 

I have used only Experian to check my credit status

 

Phil

[BRIGADIER2JCS]

A Consumer Credit Agreement Regulated Under the the

Consumer Credit Act 1974, you are making a lawful request

for the production of a true copy of your agreement.

Use the template from the CAG library, there is a £1 statutory

fee (use a postal order) the DCA has 12+2 working days to

comply.

[postggj]

has anybody not picked up that trade pro and mkdp are the same comapny

 

They also go under the names as follows: MKDP,Raven Recoveries

 

red debt collection/hampton legal and lowells for example

[BRIGADIER2JCS]

Yes.

[BRIGADIER2JCS]

MKDP LLP are specificall a Debt Purchase Company as with most

other DPCs the have their own Debt Collection Arm.

[Piston Broke]

A Consumer Credit Agreement Regulated Under the the

Consumer Credit Act 1974, you are making a lawful request

for the production of a true copy of your agreement.

Use the template from the CAG library, there is a £1 statutory

fee (use a postal order) the DCA has 12+2 working days to

comply.

 

So I send £1.00 postal order to MKDP LLP for a CCA and also a £10.00 postal order to Trade Pro for a SAR and also refuse to speak to MKDP LLA on the phone and only by mail.

 

I'll send off for these this week if it's correct ?

 

Phil

[postggj]

did you have an actual account with trade pro to begin with or another company

as i remember trade pro did fuel cards

it will effect who you send the sar to

[Piston Broke]

did you have an actual account with trade pro to begin with or another company

as i remember trade pro did fuel cards

it will effect who you send the sar to

 

The original account was with Trade Pro as a fuel card .

 

I have just checked my credit report with Noddle and it has been defaulted , why I dont know but apparently it has been in default for at least since January according to Noddle

[postggj]

send the sar to trade pro then and the cca request to mkdp

 

you stated you have had this account for a number of years, did trade pro previous default this account by serving a default notice under 87 (1) of the cca 1974 prior to mkdp

[Piston Broke]

send the sar to trade pro then and the cca request to mkdp

 

you stated you have had this account for a number of years, did trade pro previous default this account by serving a default notice under 87 (1) of the cca 1974 prior to mkdp

 

I don't remember ever recieving a default notice of trade pro, I have been threatened , but I don't remember ever being served with a default notice. According to my credit report , I have been in default since at least January even though I have rang them every month to make my payment !!

 

Phil

[postggj]

does your credit file under status show account defaulted or just that you have missed payments

 

it is important that we find out when and if this account was assigned to mkdp and was the account live when it was assigned

 

have you ever received an assignment notice from mkdp saying they now own the account or are mkdp just collecting on behalf of trade pro

 

what also was the assignment, absolute or equitable

 

the problem we have is mk and trade pro are the same comapay and the lack of a default notice indicates the account was live when sold so mk can now default in january

[Piston Broke]

My account status says I am in 'default ' and I have been in ' default ' since December . I have been paying my monthly payments , on time,every month. I recieved a letter this week , on trade pro headed paper , saying that my account had been sold to MKDP LLP and they will be in touch shortly to discuss my account and MKDP LLP has appointed Compello Operations ltd as their servicing agent.

 

Phil