Barclaycard & Mkdp help please!

[scoobydoo54]

Hi

 

I will apologise for my spelling and grammar in advance as I'm dyslectic

 

Back in June 2005 I took out a Barclaycard on a 0% offer and transferred my HSBC Balance of £1056 on to the card

 

 

within a few months I became unwell giving birth to my Daughter and had to give up my job,

I ended up missing a couple of payments and

 

 

I telephoned Barclaycard and explained my situation and asked if the missed payments could be added back to the balance

and I could then manage to stick to the monthly payments ..

 

 

I was refused any help and worse advised that due to the missed payments that they had now removed the 0% offer

so my next payment would include 2 missed payments, interest, charges + the next months payments.

 

 

After this I never got back on track

 

 

I did however stick to making regular payments but could not afford to clear the arrears and charges

so each month I was getting charges for missed payments on top of the balance.

 

 

over the years the debt was passed between their in house collectors and back to them but

 

 

every time I carried on making a payment each month and asking for help but never got any.

 

In 2012 I added up that I had received over £950 in charges + Interest on top & I had paid over £1200 off of the balance.

 

 

Due to this I decided enough was enough I allegedly still owed Barclaycard over £1351...

 

 

stopped making payments and sent them a letter explaining the issues I had had over the years

and pointed out that I had more than paid back the balance I had transferred to them in 2005

and there was only a balance of £1,352,79 owing due to the fact that they had refused to help me

when I had started to struggle 7 years previous.

 

 

At the time I had managed to save £600 and offered to pay this to them in full and final settlement of the account

which they refused in a final response letter.

 

 

After that I did not contact Barclaycard again.

 

17th April 2014

- I received a letter addressed to myself from a company called Mkdp saying they had brought an account

and balance and I should contact them! It didn't say who the debt was owed to or how much it was for so I just ignored it

 

28th April 2014 - Received a letter from mkdp saying they had not received an offer of payment,

with a payment slip attached saying Barclaycard & £1,352.79

 

14th May 2014 - Letter received from mkdp stating still not received offer from myself

 

28th may 2014 - Letter received from mkdp stating still not received offer from myself

 

17th June 2014 - Final Notice from mkdp (£1,352,79)

 

25th June 2014 - I sent a request for a CCA & a £1 postal order direct to Compello Group (Recorded delivery signed for 27th June)

 

4th July 2014 - Response received - Balance showing the postal order had been deducted from the balance ! (£1,351,79)

"Unfortunately, at this time we are unable to fulfil your request" ..

... "We will contact you as soon as we receive the documents you requested"

 

?? July 2014 - Received another final notice with 7 days to act (cant find it now to add the details)

 

5th August 2014 - Final Response received (£1,351,79) stating that I had requested the CCA by telephone..

. I've never once spoke to them !!!

I've added a pdf with a copy of this response including a version of the alleged agreement (the first 2 pages of the letter are at the end

 

26th August 2014 - Letter received from Raven (£1,351,79)

"Owing to you not having a payment arrangement in place with mk rapid recoveries

they have instructed us to collect the outstanding balance you have with them"

 

I'm stuck now what do I do next ????

 

 

Thank you in advance for any help

Edited August 30, 2014 by scoobydoo54
pdf not showing ?

[dx100uk]

raven are MKDP in sheeps clothing

 

 

until/unless they reply to the CCA request

they are stuck.

 

 

dx

[scoobydoo54]

Thank you for your reply, Is the attachment I added not a suitable reply to the CCA request from them ? and can I do anything about them using the postal order against the alleged debt. Do I need to send another letter to them ?

 

Sorry for all the questions

[dx100uk]

you'll get nothing more out of BC

 

 

that's what they deem as a CCA return

 

 

they'll need the signed agreement

those T&C's are from various times

 

 

sorry I didn't see you post count.

 

 

MKDP are a DCA

they are not bailiffs

and

have no such legal powers

 

 

if you have all the statements

 

 

have a look at a few BC threads here

 

 

and get reclaiming all those penalty charges

and PPI if you have it too.

 

 

dx

[slick132]

Hi Scooby and welcome to CAG

 

You need to read other threads here where CAGgers have reclaimed their charges plus compound restitutionary interest. See success threads here :-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?421662-BC-penalty-charges-probably-**WON**-with-compound-interest**

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?368541-trancyb-vs-Barclaycard-probably-**WON**-with-Compound-Int-t

 

Take time to read and understand the reclaiming process.

 

List all your penalty charges (but not any interest) on a compound interest spreadsheet and let us know what the totals are roughly for charges and for interest.

 

Then we can see how these figures compare with the a/c balance.