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svsaunders

Mkdp Llp and Statute Barred Debt on my Credit File

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Hey,

 

Perhaps someone can help mere here.

 

There is a dept on my credit file which I believe is from Welcome Finance about 7 years ago that I had problems with.

 

This debt is now showing as being under another company called Mkdp Llp

 

and it shows the account was taken on on 22/10/2007 and a default was registered on 2010.

 

Anything I can do to take this off and is it still statue barred?

 

Many Thanks

 

Scott

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Woah.... Default in 2010? When was the last payment made against this?

Statute Barred should be 6 years without admiiting liability or payment to a debt.

 

Welcome finance have a habit of making Default Dates a lot later compared to when they should be defaulted.

 

We need more info. The only reason it should go to MKDP llp would be if it was Defaulted,


**Fko-Filee**

Receptaculum Ignis

 

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Anything I can do to take this off and is it still statue barred?

 

First thing to find out is when you last paid anything to Welcome Finance, Statute Barred is 6 years in England/Wales or 5 years if you live in Scotland from the last payment.

 

The default should have been applied no later than 6 months after you last made a payment to Welcome.

 

The date of 2010 is most likely when MKDP bought the Account from Welcome.

 

Has Welcome or MKDP ever been in touch regarding this debt since you stopped paying?

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hey,

 

Thanks for the replies, I have been contacted via MKLP through letter but never replied to spoken to them on the phone.

 

What I did do about 9 months ago was write to Welcome Finance & asked for a subject access request thats it.

 

No payments have been made since 2007 though.

 

Thanks

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Excellent,

 

If this is the debt for Welcome finance then the debt is Statute Barred, you can send MKDP the Statute Barred template letter from the Library section (top toolbar in green).

 

An SAR is not an acknowledgement of the Debt.

 

Look through the SAR from Welcome, does is state when the Default was sent/placed/marked?

 

In post #1 you said you "Believe this is from Welcome Finance" but in post #4 you say MKDP have written to you, does the letters from MKDP refer to where the debt originated from by stating the Original Creditor's name?

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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you sure that's not an updated default date?

 

in the summary of the debt

what is the defaulted date?

 

you'll have ppi etc to reclaim too I bet

 

and all the penalty charges

 

letter/phone/late/over

 

have you the agreement too?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Confused.....what didn't start until 10/07?

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you were posting on another thread by mistake

 

ignore it,

 

you posts are here in your thread now

 

keep to it please

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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you were posting on another thread by mistake

 

ignore it,

 

you posts are here in your thread now

 

keep to it please

 

dx

Hi I have just noticed on my credit report that the welcome secured loan which was sold to MKDP shows as a secured loan still but from MKDP is this correct? Surely they can't just swap legal charges??

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they inherit all rights

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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