mkdp and barclaycard

[Yarrakid]

Hi,

 

I am experincing some issues with Barclaycard via MKDP PLL.

 

The story is that

 

I had an barclaycard around 2006/7 which I am 100% paid off as payment plan.

 

I haven't had another card from since the pay off,

 

but I had a few issues in that I was paying them off

 

some reason they would contact me and say that I had not paid,

 

which I did as I showed them the proof from my bank statement.

 

Now whats happening theyre saying that I still owe £597.98.

 

This has only recently only started up last Year via some other less reputable DCA,

and all after I challenge them stopped citing no information to be had.

 

That was that until I heard from MKDP taking up the now worn batton up from barclaycard.

 

I have sent to MKDP a form a asking for the proof of this only to be told twice that they have not got enough documentation

and requesting that I should wait while they contact previous creditors.

 

This has now passed the 40 days and strangely enough I got via registered post today a letter from MKDP

and a letter attached inside from barclaycard,

stating "that the information given under consumer credit act 1974 section 78 receives a request

the creditor shall give the debtor a copy of the executed agreement (and any document referred to in it) and a statement of the account."

 

This continues

"Due to circumstances beyond our control, we no longer hold a copy of your excuted agreement.

 

Regulation 9 of the CNC regulations conforms that,

in these circumstances, for accounts open before 19 May 1985 (such as yours)

the copy of the current terms of agreement.

 

I enclose a copy of the terms of your credit agreement as varied in accordance with section 82(1) of the act.

 

This is a statement of the terms of your abreement with us and incorporates any variations to the terms made since you entered into this agreement.

 

However, the intreast rates, fees and charbes set out in the agreement, may differ from those we have discussed with you,

(really never spoke to them since paying them off via the paymentnplan).

 

Due to the current status of your account,

the full outstanding balance is now due.

 

This completes our obligations under section 78 of the act."

 

In the letter from MKDP they say

"reconstituted copy of the credit agreement enclosed,

please note statements of account have also bee requested and will be forwarded to you upon receipt".

 

Makes intreasting reading but has nothing in the detail,

 

so based on the information given where does this stand and whatbis the next best move, to be honest

this is so near or is statued barred anyway so why keep it going.

 

 

Any useful advise, pointers, even what to send back to these guys would be very helpful,

 

as I know and how grateful I am as yij have helped me in the past so I trust your valued experience.

 

Kind regards

Edited February 3, 2014 by citizenB

[citizenB]

Did you keep all your payment receipts ?

 

When were you in the DMP and when did you finish making your payments.

[Bookworm]

Just be careful, unlike other bottom feeders, MKDP will issue MCOL in the hope of getting a quick undefended default judgement. Make sure they know you won't give in easily.

[Yarrakid]

Hi citzenB,

 

Finished in 2008 however they never issued any even though I continually asked them for it. DMP.? Sorry to soundcthick but I don't understand alot of these shorts names.

[Yarrakid]

Hi Bookworm,

 

I heard of these so called dredgers but what do you mean MCOL?. All I am asking is anything I can do from here to head all these guys off and put a stop to this a get it removed from my credit record?.

[Bookworm]

Hi Bookworm,

 

I heard of these so called dredgers but what do you mean MCOL?. All I am asking is anything I can do from here to head all these guys off and put a stop to this a get it removed from my credit record?.

 

Hiya.

 

I am not talking about your credit record. Presumably, MKDP are saying you owe the money? Their next step will be to try and force you to pay be getting a CCJ on you, which means them issuing a court claim through MCOL (Money Claim Online), hence my warning to head them off.

[dx100uk]

you sent MKDP a CCA request

 

they have failed to do so

 

a recon for a 1985 is not acceptable.

 

have you checked your credit file?

 

sounds like MKDP are trying to spoofyou into paying them.

 

dx

[Yarrakid]

Hi Bookworm,

 

Your properly right, but what I am asking of you kind peoples what would the next step to prevent this from happening, sorry about the credit bit but that's my ultimate goal. So you have any kind advice what method to use agaunst them to head them off at the pass so to speak, templates, letters etc.

[dx100uk]

when was your last payment..exactly

 

dx

[Yarrakid]

Hi Dx,

 

Pretty much hit the head on the nail.

 

I have and its on the credit file list under barclaycard.

 

As too exactly when definitely 2008 as I just moved house and paid the last one november

I seem to remember as moved in the october. I just want to draw a line under this and move on,

 

but either MKDP aka Barclaycard will not let it drop,

 

is there any letters that the group has to serve on them to cease and desist,

 

given that no documents are available according to barclaycard, even MKDP think there is?.

 

Simon

[dx100uk]

so BC still own it

 

so ignore MKDP totally

 

your last payment date wlll be listed in the debts summary

try noddle.

 

what is the default date?

 

dx

[Yarrakid]

Hi dx,

Account start date 10/03/1982

Opening balance £ 597

Repayment frequency Monthly

Date of default 19/12/2012

Default balance £ 597 it says via noodle that it is owned now by MKDP

 

Does this noodle which looks great by the way look at both the big credit agencies.

[dx100uk]

its one of three

 

call credit,

 

but typically old data

 

but that's what you needed.

[dx100uk]

payment history?

 

dx

[Yarrakid]

Hi dx,

 

This was on experian

BARCLAYCARD Who's this?

Entry Number: C31 | Account Updated to: 01/12/2013

Name: MR ....

Address: .....

 

Date of Birth: /1959

Account Type: Credit card / Store card

Started: 10/03/1982

Current Balance: Satisfied

Default Date: 19/12/2012

Default Balance: £597

Debt Assigned to CAIS Member:

Start Date: 01/12/2013

 

View Account Status Details:

Account Status Details

(1-12 months)

Last updated: 01/12/2013

Status Code:

 

Balance:

£0 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597

Payment Amount:

£0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Previous Balance:

£597 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597

No. of Cash Advances:

0 0 0 0 0 0 0 0 0 0 0 0

Cash Advance Amount:

£0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0 £0

Payment Code:

 

Also on the same credit report as MKDP PLL who own this so in fact its on twice for the same thing is that allowed?.

 

This is the same as noodle as well but only for MKDP and not barclaycard.

 

Hope this helps to give some help to resolving this.

 

The kid

[dx100uk]

noddle should have little blue arrows to show previous years

 

ps don't post up pers details!!

 

I edit out your full details from the one above

 

dx

[slick132]

Hi Yarrakid,

 

You say you paid this off but BC or MKDP say there's an o/s balance.

 

I suggest you also send BC a SAR to see what their records say was owing a few years back.

 

[Yarrakid]

Ok thznks dx, had ment to..strange I have just looked but there is nothing apart from the cut and psste I did from noodle. So what can you advise would be the next step in this military two step .

[Yarrakid]

Hi slick321,

 

As I mentioned in my opening thread

 

barclaycard attached a letter that MKDP then forward to me and they can't find any documentation ?.

 

I would like to suggest if you can read my first articke as ut does explain all there.

 

I would then like you views on it and possible suggwztions to this forward.

 

I have thought of sar to them but since the letter I recived seems no real point to it,

but if people in the know feel that may help then I will have it sent?

 

Regards The Kid

[slick132]

Hi Yarakid,

 

I did read your posts but the reason I suggest a SAR to BC is that there's obviously a dispute about what you owed, and what you paid.

 

If you can show that you paid what was due, end of story.

 

If there IS a balance owing, MKDP do not have a credit agreement and should not be able to enforce payment, despite them saying they've complied with s.78.

 

6 years after you last paid to the debt, it should be Statute Barred and I assume this will be in 2014.

 

The SAR should also show you when you actually last paid toward the debt.

 

[dx100uk]

Ok thznks dx, had ment to..strange I have just looked but there is nothing apart from the cut and psste I did from noodle. So what can you advise would be the next step in this military two step .

 

I edited it out

 

dx

[Bookworm]

so BC still own it

 

so ignore MKDP totally

 

 

dx

 

Really not a good idea. As I have pointed out a few times, MKDP will issue MCOL if you ignore them in the hope of getting a quick default judgement. Whatever else OP does, ignoring MKDP is not the way to go.

[dx100uk]

if they do not OWN the debt

 

they cannot issue any claims.

 

if they own it and issue a claim form then of course you don't ignore it

 

never seen MKDP issue claimforms for anyone bar themselves

 

dx

[slick132]

DX, are you saying you think MKDP are chasing on behalf of BC ?

 

I can only recall them acting where they have bought the a/c and seek to collect or litigate for themselves.

 

[dx100uk]

in post 10 it appears BC still own it.

 

I wonder if the CRA file not been updated

 

as you say its VERY un-usual for MKDP to act for the OC.

 

I wonder if YK can give us the latest update date from their credit file

 

and if they've ever had a notice of assignment letter?

 

dx