mkdp and barclaycard

[slick132]

Agreed and, if the CRA does not confirm ownership for sure, Yarrakid can ask MKDP for sight of an Assignment Notice.

 

[Yarrakid]

Hi,

 

in relation to your 1st and 2nd question well its a yes and no answer

- no it would seem mkdp own it judging by their letters and certainly on my credit record,

but also I have noticed that bc have also marked my credit record as well at the same time as mkdp wit exactly the same details.

 

So yes to your 2nd question they have updated the cra with bc and mkdp, same date and details..

 

No assignment letter as yet,

although mkdp have apparently requested it from their creditors

assuming they must mean bc and awaiting for their response.

 

bc had a letter that was in the mkdp letter it states that because of circumstances beyond their control they cant find it,

but did send the t's & c's but no signatures no nothing just a faint copy at that

and thart satisfies their obligation to the cca request for further information.

 

i note that there is a follow up letter/template about them failing to respond in a timely manner

and giving them 21 days to respond etc..

 

i am thinking of sending that too them either to mkdp or both...

 

regards

[dx100uk]

are you saying this debt is listed twice on your cra file?

 

dx

[Yarrakid]

yes,dx

[dx100uk]

right then that means its been sold.

 

bet the BC one shows settled and £0

 

dx

[Yarrakid]

yes again..

 

sooo it is mkdp that will have all the data and should in thoery be able to supply agreement

and not bc,

 

so why do they need to refer back to the original creditors. ??..

 

by the way this has gone via the likes of westcot,

and at least two others before this one,

 

and those never put anything on cra.

[dx100uk]

the others did not buy the debt

they just collected for the OC.

 

this lot are debt buyer

 

and as intimated you need to be careful here

 

dx

[slick132]

MKDP have already said (per your post #1) that they don't have the credit agreement.

 

They're unlikely to get it either but this may not stop them attempting court action, unless they say they will not take this path.

 

They will try to convince you the reconstructed agreement is all they need but this can be argued.

 

[Yarrakid]

indeed dx, i have every intention of doing so, this why i am asking for help in understanding my position in this and certainty careful steps forward, may i ask of you what is or could be the next steps that i may take to ensure a successful outcome to this?.

[Yarrakid]

interesting slick321, but how can the do this since they have no agreement to base this upon. i shall be interested in the arguement, but is it best to hold fire for now and allow then enough rope to hang themselves so to speak?

[slick132]

Wait and see what moves MKDP take and respond accordingly.

 

Read other threads here about MKDP cases. They may not be put off by their lack of a proper credit agreement.

 

[Yarrakid]

Hi Slick321,

 

I am content to do so,

but to be honest I have browsed the mkdp entries

and it would seem that they seem to change defaults notices,

do not take a blind bit of notice of any thing they have asked to change,

and yet they seem to get away with murder.

Ccjs, defaults regardless with it does your cra in or not.

 

I get the feeling that there is no hope in stopping this particular juggernaut,

even if I serve a sar, or even sb or a follow up cca it simply gets ignored and the courts just accept it and lie down and roll over.

 

I would have thought the bc would have removed their entry if it was sold on, not leave it as satisfied but defaulted?.

 

Again causes issues with cra,

basically over the provable rock.

 

So either pay it regardless of my position or another ccj for 6 years again regardless if I defend it.

 

Ah well so much for that, off to be a good little boy to all my crecitors.

 

Thanks both you and dx on this matter thought there may have been a positive suggestion

or template that woukd have stopped them in there tracks,

but reading the threads as slick mention it would seem that this lot seem to have out foxed the fox this time... unless......

 

 

YK

[Bookworm]

There is every hope.

 

I am currently fighting them in the courts on the same kin d of nonsense,

they issued a claim for which they have no agreement,

but thought they could get away with a quick CCJ, £500 or so, peanuts to them, but lots of peanuts add up...

 

They've ignored my CPR request (twice).

 

My defence is quite simple:

No, I don't owe you a penny,

I don't even know who you are or purport to be,

prove it and if you can't prove it, go away,

 

and I have have every intention to make sure that every pound they're trying to extort from me will cost them as much in either money

or effort or both.

 

We have a set date for court now,

they have to pay another £80 by end of February to the Courts,

and at this point,

I do not know whether they will chance it hoping for a win at the end or whether they will cave in now and cut their losses.

 

Either way, there is no way I am paying them a penny until a judge tells me I have to.

[dx100uk]

on the point of the default YK

 

it must stay and its to YOUR advantage its there.

 

dx

[slick132]

Hi Yarrakid.

 

There's no magic wand you can wave to make them disappear. But that does NOT mean you cannot fight them in whatever ways you can.

 

And we'll offer whatever advice we can to support you.

 

[Yarrakid]

Thanks guys appreciate the support.

 

Dx in regards for the default staying how is that to my advantage,

 

while it is on my cra I can't much get things like mortgage,

 

while I appreciate what your saying I see it as a disadvantage.

 

Can you explain why this please.

 

YK

[dx100uk]

because its the only way the debt will go from your CRA file.

 

paid or not on the defaults 6th birthday the whole debt vanishes from the file.

[Yarrakid]

Hi dx,

 

I can see what you mean by it,

 

but surly in this context its way past 6 years therefore then techinically sb.

 

So that means I have to wait another 6 years come hell or high waters before this goes from mkdp.

 

Would the fact bc have sold on the account mean its satisfied

and no longer in default with them

 

so surely they must have to remove it or at least acknowledge its satisfied

and no longer in default with them on the cra?.

 

Am I reading this wrong.

 

YK

[dx100uk]

sadly you are

 

if a debt is sold

the defaulted date in the summary CANNOT be changed. ever

 

dx