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Mkrr/willen chasing old Nationwide Current Account OD


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Hi all, I will get straight to the point.

 

Back in May 2011 I started getting letters from Willen/MKRR concerning a debt owed to Nationwide.

 

I didn't hear anything further from then until July 2011.

 

responded by sending a statute barred letter.

 

They duly responded by saying that they had been advised by Nationwide that a payment was applied to the account on 13th May 2005

and this was withdrawn on 20th May 2005 before the account was assigned to Roxburghe.

 

replied by asking them to provide proof of the so called payment made,

I didn't receive any proof from them at all.

 

received a Final Notice letter in August 2011 to which I didn't bother to respond to.

 

received a letter in October 2011 repeating what I was sent back in May 2011, once again I didn't bother to respond.

 

Here we are in 2014 and now

 

I have started getting letters from them again (4 so far) regarding this debt.

 

So far I have not bothered to respond,

 

should I carry on ignoring them?

Regards

Ian

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Just send the Statute Barred letter from the template,

you can also modify the letter including when they confirmed that a last transaction date was made fully making this Statute Barred.

 

As usual advice, do not ring them, keep everything in writing.

 

Has MKRR placed anything on your credit file? And if so what default date have they used?

 

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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Carefully worded SB letter!! make sure you do not make any form of acknowledgment of liability 'just in case'!

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Just send the Statute Barred letter from the template,

you can also modify the letter including when they confirmed that a last transaction date was made fully making this Statute Barred.

 

As usual advice, do not ring them, keep everything in writing.

 

Has MKRR placed anything on your credit file? And if so what default date have they used?

 

Stigman

 

There is nothing on any credit file regarding this debt. Why would they now decide to start contacting me again after 3 years?

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Carefully worded SB letter!! make sure you do not make any form of acknowledgment of liability 'just in case'!

 

Hi Brigadier, is there any point in sending another SB to these people? as previously stated in my post I sent an SB back in 2005 and that did not make any difference to them at all. I f in your opinion I should send another SB then I will, but is that the standard one in the library.

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I take it this was a current account?

Are you sure the 2005 dates are correct for the last financial transaction on the account?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Hi Brigadier, is there any point in sending another SB to these people? as previously stated in my post I sent an SB back in 2005 and that did not make any difference to them at all. I f in your opinion I should send another SB then I will, but is that the standard one in the library.

 

 

Sometimes the templates are not enough DCAs have see them all before. So address a Formal Complaint to:

 

 

The Compliance Director

The Compello Group

 

 

Ref: Use theirs:

 

 

Re: Formal Complaint./Harassment:

 

 

Sir/ Madam,

 

 

I refer you to recent correspondence regarding an alleged debt being pursued by MKRR, this arises from an account with Nationwide, having on a number of occasions informed MKRR that the alleged debt is statute barred and I will Not make any payment.

 

 

I do not acknowledge any liability to MKRR or any other company in the Compello Group.

 

 

As you be well aware the OFT Guidance on Debt Collection 2003/2006 (updated Nov.2012) Appendix B states that " it is unfair to press for payment (of a statute barred debt) once the debtor has informed the creditor of the status of the debt and they will not be paying, to do so may amount to harassment."

 

 

MKRR's conduct in this matter now amounts to harassment and a report is being made to the OFT/FCA.

 

 

MKRR Will now confirm in writing within 7 days of the date hereon that it has closed the file on this matter.

 

 

You are also reminded that the OFT has a view on the sale of statute barred debt without informing the purchaser of the status of the debt, should any 3rd party contact me in the future in regard to this debt it will be referred to the Compello Group.

 

 

Your prompt response is expected.

 

 

Signed for post and check delivery.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I take it this was a current account?

Are you sure the 2005 dates are correct for the last financial transaction on the account?

Yes as far as I remember it was a current account. The point is Brigadier I/we did not make this so called transaction in May 2005 as they are claiming, and no proof was forthcoming from them to say otherwise.

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Ok send the letter let's see if we can end this.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok send the letter let's see if we can end this.

 

Right I will send an SB and see what happens from that. Will let you know when I get a reply.

 

Regards

Ian (concorde)

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Hi Ian,

Just edit the draft letter (post 7#) as this has gone template stage.

 

 

Brig.

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Hi Ian,

Just edit the draft letter (post 7#) as this has gone template stage.

 

 

Brig.

 

Thanks for your help Brig. I will get this letter in the post asap and see what kind of response I get from them.

Ian

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Formal complaints also need to be fired off.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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