Jump to content


MKDP Credit Report Entry


cheops
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3501 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

yea there you go then...

 

its welcome staff.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Replies 115
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I have spoken with welcome(FSCS) this morning and

 

they too cannot see where the £370 was credited back on loan 2

 

so they are logging it on there system as a complaint,

 

i will receive a letter confirming that shortly,

 

MKDP still own the loan and

 

what has happened is they have sent a letter to MDKP offsetting the amount they come up with as PPI calculation,

 

however it will no have to be done again as its wrong and should have included the £370 in the calculation.

 

As for the unfair charges, even though I have a signed for on royal mail it is not in the system and they are saying they have lost it.

Link to post
Share on other sites

you need to question the FSCS authority to offset

to a debt buyer

 

the FOS website specifically details offsetting

nowhere does it say a reclaim can be paid to a debt buyer.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I have sent a message to the real FSCS not the Welcome Employed FSCS regarding this, I will let you know. Its all dodgy.

 

What do I do about the Unfair charges I sent off and they saying they haven't got it even though I have a signed for proof?

Link to post
Share on other sites

good work

 

that's welcome for you/

 

you could resend it I suppose but as its already signed for that incredible!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yeah, I have a log of everything not one detail missing.

 

I still don't trust them logging it on the system, I will be writing a formal letter to them signed for too.

 

It gets me how the FSCS can trust them to handle there own complaints, sounds like a right stitch up to me.

 

Is there any course of action for reclaiming Personal Accident Care and Life Care 24? This was added same as PPI?

Link to post
Share on other sites

ah you should have lumped that in too

 

its all the same

 

even GAP/mechanical breakdowm/MIF/shortfall

 

whatever extras welcome added were simply insurance direct to their pocket

 

and they went bust

 

well, the directors ran off with everything.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

i'd rehash the old claim

 

it should all be as one lump sum?

 

 

without gong back

 

is it listed on the statements payments sep from PPI

I expect its lumped I already?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yeah the original PPI was calculated at £585.21 with Lifecare 24 and Personal Accident Plan it totals £955.21 without interest.

 

I have mentioned it in my dispute calculations letter as well as the the missing £376 and also the fact about the offsetting when the loan has been so called sold.

 

Posting in the morning.

Link to post
Share on other sites

from pat thread shere

 

when the FSCS get involved

 

ALL the insurance are normally or should be refunded

 

their remit is to put you back in the financial position 'as if'

any of the extras were never taken

then they calculate 90% of that figure

 

me thinks the FSCS are not keeping the thumb on welcome staff.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yeah I agree, thats certainly the impression I get I think they are just trying it on.

 

The whole setup of the FSCS and Welcome just seems wrong to me and not impartial.

 

Thats why I wrote the real FSCS an email this afternoon. I might actually give them a call too.

Link to post
Share on other sites

  • 2 weeks later...

Hi,

 

Just an update on where we are with this.

 

I have received the CCA back from MKDP and looks correct but only for the refinanced loan which I guess is correct.

 

Now for the Welcome Side and the FSCS.

 

After contacting the 'Real' FSCS I am now in contact with someone directly who is looking into all this for me and have 3 seperate complaints he is 'overseeing'

 

1. Shortfall on the PPI calculation.

2. Offset issue as the loan was sold to MKDP.

3. The other 2 non-PPI insurance policies.(Lifecare 24 and Personal Accident Plan)

 

He has also re-assured me Welcome have now received the 'unfair' charges complaint.

 

So I now have another 4 complaints on the go :-o

 

Just wondering what MKDP's next move might be???

 

Will keep everyone updated.

 

Thanks

Link to post
Share on other sites

Yet another update.

 

I have had a response regarding the shortfall from the FSCS and the offset issue.

 

They are saying that welcome claim they evidence that it was applied to the account so no adjustment will be made as they can only go on what figures welcome give them.

 

However they said that welcome have to provide evidence that this has was done. So I phoned Welcome and they are saying that they no longer have the evidence so I have another complaint going regarding this.

 

As for the offset issue the loan was transferred for collection to 'mkdp' by way of 'interest' whatever that means? The debt is still owned by welcome.

 

What a complete and utter mess.

Link to post
Share on other sites

oh tying themselves up in knots here

 

the FSCS wont keep participating in this charade for long

and decide in your favour me thinks.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Not according to the FSCS unfortunately

 

As I confirmed to you yesterday, if you believe the figures are incorrect you will need to pursue the issue with Welcome. We are entitled to rely on the figures they have given us. I am sorry that FSCS will not be able to pursue this matter on your behalf. I will also make Welcome aware of your issue.
Link to post
Share on other sites

Yet another update.

 

I have had a response regarding the shortfall from the FSCS and the offset issue.

 

They are saying that welcome claim they evidence that it was applied to the account so no adjustment will be made as they can only go on what figures welcome give them.

 

However they said that welcome have to provide evidence that this has was done. So I phoned Welcome and they are saying that they no longer have the evidence so I have another complaint going regarding this.

 

As for the offset issue the loan was transferred for collection to 'mkdp' by way of 'interest' whatever that means? The debt is still owned by welcome.

 

What a complete and utter mess.

 

 

Sounds like a " profit sharing deal" you spoof the poor bugger into paying and we'll share the proceeds.

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:

Link to post
Share on other sites

  • 2 weeks later...

while my complaints are being investigated by Welcome and FSCS

 

 

I am receiving letters from MKDP regarding getting into contact with them to sort a payment out!

 

How do I proceed with them at this stage?

Link to post
Share on other sites

send them a copy of one of the FSCS letters

that basically states your 'debt' is being investigated

and as such remains in dispute.

regarding the outstanding bal

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

so MKDP have never replied to the CCA request?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

sri for not looking back

am out at present.

 

 

so the only thing you've sent to MKDP is a CCA request

 

 

and basically since MKDP came on the scene some years previous

all they ever sent you is a series of threat-o-grams

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...