MKRR and Incorrect Default

[blurredl]

Good morning

 

I'm not sure about forum etiquette as I have already posted this on the Welcome thread but that doesn't seem to have much traffic from caggers so apologies if I haven't done the right thing.

 

I was hoping to get some help with an old Welcome debt which was apparently bought by MKRR in 2010, I took out a £2000 loan in September 2007 and unfortunately only managed 2 payments. Welcome appeared on my credit file until recently but all payments recorded are not accurate it says I started paying in May 2007 with first late payment in July 2007 this before I even took the loan out.History also shows as various late payments of between 1 and 6 months from July 2007 to October 2009, I have definitely made no payment or contact since October 2007, I am 100% sure of that as I lost my job at that time amongst other things. In December 2009 the account shows at satisfied (no defaults) and then in January 2010 MKRR recorded it as a default.

 

I have received varying letters from MKRR, Willen, Raven Recoveries and Keynes Collections since 2010, the most recent from Keynes looking very official with a notice of intended legal action in 14 days for the sum of £6,000.

I have been looking through some of the other experiences on here and it seems that this has happened to quite a few people, some advice is to ignore as it’s statute barred but others advise to make contact in writing

 

I want the default removed but didn’t want to make contact with mkrr without some advice first also if they wrongly believe that they have a judgement claim I want to try and stop action before I have to deal with the courts.

 

Any help and next steps would be greatly appreciated.

[BRIGADIER2JCS]

Hi Welcome to CAG,

 

 

Sorry to hear that no one has seen your thread.

Ok.

 

 

You need to make a formal complaint to the Data Controller at MKRR as they are now responsible for updating your credit files.

 

 

Laying out the fact that the loan was taken out in Sept.2007 not May therefore the data is inaccurate on that count.

Then the fact that the last payment was October 2007 and no payment or written acknowledgment of the alleged debt was made after Oct. 2007.

 

 

Try this:

 

 

The Data Controller

MKRR

 

 

Date

 

 

Ref: use theirs:

 

 

Formal Complaint.

 

 

Sir/Madam,

 

 

I enclose herewith a copy of an entry made on my credit reference files by MKRR, the data entered on this file is a mistake as I will point out below.

 

 

This account was not opened until September 2007, therefore the dates of alleged payments and missed payment prior to that date are inaccurate.

 

 

MKRR should not have registered a default in 2010 some 2 years + after the cause of action.

 

 

I am making a complaint to the Information Commissioners Office regarding the apparent incorrect data MKRR has posted on my credit reference file.

 

 

I now require MKRR to remove all derogatory data it has caused to be displayed on all credit reference files and to confirm in writing that it has done so.

 

 

There has been no payment or unequivocal written acknowledgment of the alleged debt since October 2007, the debt is therefore Statute Barred and I will not be making any payment.

 

 

No part of this communication is an admission of any liability to MKRR.

 

 

Send recorded signed for post and check delivery.

Edited March 4, 2014 by ims21

[blurredl]

You are a star thanks ever so much Brigadier!

[BRIGADIER2JCS]

You are a star thanks ever so much Brigadier!

 

 

Happy to help, please keep the forum up to date with progress.

 

 

Brig.