MKDP Credit Report Entry

[dx100uk]

scan up that MKDP CCA return please

 

 

dx

[cheops]

scan up that MKDP CCA return please

 

 

dx

 

Hi dx100uk

 

Sorry for the delay here is the scanned up CCA response.

 

Thanks

[dx100uk]

that's the same scans as what came wit the SAr return in post 33?

not what has come from MKDP?

 

 

 

 

dx

[cheops]

Hi

 

No that is what has come from MKDP

[dx100uk]

silly me had a fixed link set

yes the blanking is dif.

 

 

its must be enforceable sadly

 

 

however I think I've spotted my spreadsheets might be short changing you.

 

 

back later

 

 

dx

[cheops]

Ive also had a response to the unfair charges and scanned it up

[dx100uk]

well atleat onloan 2 they don't argue on the fees that were levied.

 

on the front of refunding the 'difference' etc

 

rehash this:

 

The OFT did not propose that PENALTY default charges above £12 should be reduced to the equivalent of the threshold of £12,

and a court will certainly not consider that such a charge is fair just because it is below or above the £12 threshold,

[dx100uk]

on loan 1

this is the second time I've seen that get out

of 'this scheme' prevents them from refunding PPI or PENALTY charges.

 

 

they have sold the debt on so it is not part of 'the scheme'

so I wonder how MKDP would view its now their problem to refund them

[cheops]

Thanks dx100uk

 

I'm getting all worked up and upset and not sure what to do now. This is a recap of where we are

 

1. PPI I won and have £300+ offset on the balance to MKDP,

I am awaiting evidence/complaint that £360 was refunded to loan 2 which it was not and Welcome are finding evidence of that, FSCS advised I did this

 

2. Unfair charges as above (you suggest I write another letter and make a complaint?)

 

3. Getting information regarding Lifecare and the other rubbish insurance from Direct Group Ltd,

I then have to forward that info and another PPI type form for that to FSCS.

 

mean while I am being sent letters from MKDP demanding payment.

 

 

I just don't know what to do,

I want to get this sorted and pay off this debt

but not sure what I should do with them while all the above is going on.

[dx100uk]

you don't need another life ins etc claim

that's already rolled into the ppi one

[dx100uk]

on the charges front

 

 

obv the penalties were rolled into loan2 as well

that makes another £140 approx. of extra int.

 

 

let things run for a while with MKDP.

 

 

as for the agreements i'll get the old rouge to look in.

 

 

as it stands

they could goto court and try

but atleast £2k of the sum the want can be wiped by reclaiming

 

 

dx

[cheops]

Thanks dx100uk

 

In the calculations Welcome came back with they never took into consideration the Personal Accident Plan and Lifecare 24 Amounts, I have been told by the FSCS I have to write to Direct Group to find out if I was insured with them

[dx100uk]

so they did how blind I was

 

 

if you type in direct group

 

 

and read the posts by PostGGJ

you might find some interesting posts

 

 

dx

[cheops]

Hi,

 

I've had a response regarding the missing £370 in there PPI calculation.

 

It all looks like rubbish to me.

 

I would appreciate another pair of eyes to see if they are talking rubbish or not as its beyond me.

 

Many Thanks

[cheops]

Can anyone help?

 

Thanks

[BRIGADIER2JCS]

Hi,

 

I've had a response regarding the missing £370 in there PPI calculation.

 

It all looks like rubbish to me.

 

I would appreciate another pair of eyes to see if they are talking rubbish or not as its beyond me.

 

Many Thanks[/quote

 

 

 

 

There's a lot of very similar letters around at the moment. yes there is a difference in the way the compensation is calculated and it does cause confusion, but I believe they are right.