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MKDP changed default date from Welcome - **WON PUT BACK**

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Ok:

 

 

Private & Confidential

Rajiv Puri

Compliance & Legal Director

The Compello Group

Use the address on their letters.

 

 

Date:..............:

 

 

Ref: use theirs if you have one.

 

 

Re: Misuse of Credit Reference Agency Files:

 

 

Formal Complaint,

 

 

Dear Mr Puri,

 

 

I write to complain about the conduct of MKDP LLP in regard to an alleged debt originating from an account with Welcome Finance Ltd. Please take note no part of this communication is an admission of liability to any company of the Compello Group.

 

 

The history is that the alleged debt was defaulted by the original creditor Welcome Finance Ltd., on 21/12/2007 consequently this entry was removed from credit files on the 6th anniversary of that date as is required.

 

 

I discovered on rechecking my credit reference file that MKDP LLP has seen fit to report the alleged debt with a default date in 2010 (I enclose copies of credit reference files for clarification) as serious misuse and manipulation of the data.

 

 

I am aware that some members of the "debt collection industry" attempt to claim that it is possible to place a new default at the date they acquire a debt, this is of course totally wrong!

 

 

I am sure Compello/MKDP LLP must be fully aware that such manipulation of credit reference file data is a serious matter which must result in a complaint to the Information Commissioners Office and the FCA.

 

 

I require that Compello/ MKDP LLP now removes the data from all credit reference agency files to which it has reported the manipulated data immediately and to confirm in writing that it has done so.

 

 

I consider this conduct cannot be explained away as a "clerical error" as the time span between the dates is too wide, the reporting of such incorrect data is as you will be aware damaging to my credit profile and Compello/MKDP LLP must now consider financial redress in regard to its conduct in this matter.

 

 

This is a formal complaint allowing 56 days for investigation and response, however I consider that this matter should be dealt with more promptly.

 

 

Send by recorded /signed for post and check delivery.

 

Do you mind if i use this too Brigadier? I defaulted early 2008 (I don't have the actual date - Should I send an SAR?) Sorry to hijack a thread

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no.

 

your story please?

 

each case is diff

 

dx


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

 

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Hi All,

 

I took out an unsecured loan in March 2007,

 

 

i made payments for 4-5 months and then lost my job.

 

 

 

 

I buried my head in the sand and ignored all contact from Welcome Finance.

 

I have a letter date 17/11/2007 saying i need to contact them within 5 days of the letter or they will consider legal proceedings.

 

 

This letter and my original credit agreement are the only things I have.

 

the date of default should be end of 2007 or early 2008 at the latest.

 

 

I see nothing of Welcome Finance on my Noddle report but MKDP have a default from October 2010.

 

 

I believe this is when they purchased the debt.

 

I know this is wrong, i have reported it on Noddle but it won't change on other CRA's will it?

 

Is the 1st move a SAR to Welcome to get the exact date? And also CCA to MKDP?

 

Thank you in advance

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I doubt MKDP changed the default date?

usual MO is welcome default before sale

 

have the NoA from them?

 

 

yes sar welcome

 

 

and CCA mkdp

although if they have not written to you

I'd not pull their tail. by CCA

 

 

dx


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

 

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It defaulted long before 2010,

 

 

MKDP have registered a default from then.

 

 

Would've been late 2007 early 2008 at the latest.

 

 

I'm sending the SAR tomorrow to get exact dates.

 

I've never had a NoA.

 

Sending CCA shouldn't cause a problem as it's SB?

 

Thank you

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then why bother?

 

 

if mkdp are not casing leave them alone

 

 

dx


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

 

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then why bother?

 

 

if mkdp are not casing leave them alone

 

 

dx

 

Because it's showing incorrectly on on my credit file, it's showing as defaulting in 2010 when it should be 2008. It should be SB

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I meant wih mkdp...theres no need to pull their tail.

 

 

await the proof from welcome via sar

that DN was sent xx date

 

 

or produce old cra listing to prove it.

 

 

eitherway you then demand MKDP remove the account.

 

 

dx


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

 

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Yeah I guess so, just though it might get removed quicker if I contact them. But what' a few months when it's been so many years.

 

Thank you for your time today. Will keep this post updated.

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Still haven't received my SAR from Welcome.

 

The default has been removed though.

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Received my SAR finally.

 

Quick question, can I claim late fess and penalties even if the loan became sb?

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makes no odds

 

 

dx


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

 

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This has now been corrected on my credit file. Thank you for the help.

 

I'm now going to try and claim back fees.

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