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    • Thanks HB. I never evaded fare before.  Should I send any email to ask my case or beg again to show that I indeed know I’m wrong? To be honest, I indeed find that I’m wrong and will never do such thing.
    • We never know how long they will take to respond, it depends on how busy they are. They also look through people's ticket history to see if everything is normal. If you haven't evaded fares before this won't be a problem for you but it takes time. It seems that train companies are doing this more and more. HB
    • just type no need to keep hitting quote there was no reply pack asking questions nor wanting Income & expenditure, so can't be a letter of claim. there are no 'court sanctions' at all should a defendant ignore a letter of claim, total poppy cockle!! very much the reverse, should a claimant NOT send a letter of claim before they raise a court claim, it's a very good browny point for a defendant !! stop worrying....i wish certain members would stop posting unnecessary personal speculation on threads... doesnt help anyone. if you DONT KNOW - DONT POST!! its a 2005 card anyway pre the revisions, sao cant use a recon and i'd expect a CCA request to fail.  this is cabot!! 99% of their debt portfolios are always unenforceable. just the mugs keep being ignorant cash cows is the only way they recently stayed in business.
    • Hi, everyone. It has been 18 days since I sent the begging letter, and I still haven't received a response. I've read some threads and found that OOC settlements are often responded to very quickly. Does this mean it will be difficult for me to receive an OOC settlement?
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Can a supposed Secure Loan be sold on


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Can anyone advise

 

can a supposed secure loan be sold on?

 

The reason we took out a loan with Welcome no one visited our house to value it etc.

but when we started having some financial difficulties and told Welcome our mortgage was our priority

 

statements then started saying the loan was secured (we don't remember that)

 

it has been sold to a company called MKDP who say they have bought it and that the have all the rights and will be pursuing recovery vigourously.

 

So back to my original question can secured loans be sold and does the mortgage lender and/or the mortgagee have to be told of the sale by lender.

 

Thanks guys

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yes they canbe sold on

 

and yes they do have to tell you

 

notice of assignment.

 

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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MKDP are a debt collection agency and so have either purchased the debt from your original creditor or are trying to collect on their behalf. Don't feel worried about them though. Their letters and demeanor are designed to try and scare you into paying up without question.

 

Search these forums for how to demand a copy of the original credit agreement from MKDP. They must have this in order to enforce any debt against you. If they can't provide one, you can ignore them.

 

Letter N on this link to templates is a good start:

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758

 

FFP

My Background: I am not legally trained so the advice I offer is as a result of my experiences in business and being dragged through a bankruptcy process by a leading London law firm over a debt that turned out to be false. I won as a litigant in person :-)

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can you get an SAR off to welcome ASAP

 

you can check if the loan IS secured by using:

 

www.trustonline.org.uk

 

MKDP usually buy lemon debts from welcome

 

can you tell us the history please.

 

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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I sent a SAR request to Welcome in Feb 2010, no reply!

 

If you have proof of sending, report them to the Infomation Commissioner (http://www.ico.gov.uk) and SAR them again as there will be new information anyway

 

FFP

My Background: I am not legally trained so the advice I offer is as a result of my experiences in business and being dragged through a bankruptcy process by a leading London law firm over a debt that turned out to be false. I won as a litigant in person :-)

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get that SAR off

 

dx

  • Confused 1

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

unenforceable.

 

how many other loans have you had with them?

 

bet you got fleeced on PPI & life ASU etc etc

 

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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it DOES NOT

admit the debt

 

get the SAr off ASAP.

 

before welcome destroy the stuff

 

me smells you've been cash cowed

 

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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