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MK Rapid Recoveries + HSBC


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Hi guys wonder if you can help me with this.

 

I had an account with HSBC which I haven't used for several years. The account was in the red, but this was made up of charges which I was disputing.

 

Along the way I lost track, and forgot about it for a while. For the past few weeks MKRR have been sending me increasingly threatening letters about payment.

 

I sent them the 'prove it' letter and they sent back some printouts of statements and said the matter was closed. The statements show the charges dating back to 2005 and going until 2008. The amount they are claiming is roughly equal to the amount of charges + interest on them.

 

Today I had a landline phonecall from them, which pi**ed me off no end, as I never ever give out my number and am ex-directory and TPS registered. I refused to answer any questions and told them to write to me instead.

 

What do I do now they've sent me the statements?

 

Any help is appreciated!!

 

Thankyou

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is this on your cra file?

 

see below.

 

if it is all charges

 

invite them to take you to court

 

as your counter claim will be GREATER than theirs.

 

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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Thankyou for replying!

 

The amount they are claiming I owe is shown on my Experian report. But some of the charges date back to 2005.

 

So should I just write them a letter with a list of the charges? Is it still possible to claim them back nowadays?

 

Sorry for the stupid questions!

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your could try a bcobs complaint [see the RBS bit]

 

but that's only from nov 2009 forward

 

pers i'd write what I indicated

 

then ignore them.

 

what is the default date on the cra fil and who is the owner?

 

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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Default was in 2009, the name of the default is not MK LLP.

 

They emailed me today to say that they don't apply charges or interest, so it's not their problem what the debt is made of.

 

So presumably I would write to HSBC now?

 

Getting confused as MK recoveries have placed the default!

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no I would suspect that its been sold to them

their name then replaces that of the OC on the file.

 

I bet the file does not say HSBC as the owner now.

 

pers i'd do as above and use BCOBS

 

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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