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MKDP have been sold 2 HSBC debts - help new here


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Hi there

 

New to the forum so please be gentle.

 

Came home today to find two letters for my husband from MKDP for two debts that were sold by HSBC to MKDP on 8th Dec 2011.

 

My husband reckons he hasn't been in contact/made any payments since May 2008.

 

The original debt was for around 2K, the demands are for 4K.

 

Can anybody give me any idea of the best way to deal with this?

 

 

We really can't afford to pay these back at the moment

but I can't stand the thought of someone turning up on the doorstep and harassing us..I'm a bit of a wimp!

 

Any help/advice would be gratefully appreciated.

I have been googling like crazy but there is a lot of conflicting information out there....

 

Thanks in advance

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Why would you be worried about a random unsolicited stranger turning up at your door demanding money?

It's YOUR home, tell em to clear off and if they don't you'll call the police.

 

Sounds like they're just phishing letters, so right now there is nothing to do.

These letters are produced and spat out by their computers, they have no human input whatsoever, less for the postie pushing them through your door.

 

If there has been a CLEAR SIX year period, where no payments or written acknowledgement has been made that you owe the debt,

then it will be time barred (Statute Barred).

So the best thing to do right now is to check all your paperwork and find out when the last payment/acknowledgement was made.

 

Read the letters carefully too, they say 'may' 'could', not will, a clever play on words.

DCA's are NOT Bailiffs, DCA's have absolutely no legal powers whatsoever, treat them the same as you would a gypsy selling you wooden pegs.

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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First of all calm down have a cup of tea and relax take a deep breath and chill

 

 

It may be worth your while checking your credit file/s to check the details of the last payment.

 

 

Have you been getting your annual statements from the DCA's at least once a year?

 

 

If there has been no acknowledgment/payment in 6 years then SB'd once you have checked your files/s and is SB'd then you could send this letter off see here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-**Update-21st-April-2014**

 

 

Are these credit card debts or bank accounts?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Hi mikeymack,

 

I'll get my husband to check his credit files.

 

He is certain he has not made any payment or made contact with HSBC since September 2008; this is the first contact from them or a DCA since that time (as far as he can remember) though he has moved about three times since then so it may be that letters haven't got to him.

 

One is a credit card debt, one is a bank account although the bank account one seems to have swelled from a £500 overdraft to £2346. Some charges in there I am guessing.

 

I am now wondering if they are just chancing it.

 

Thanks for your help.

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Do not call the DCA ok! Even if it makes you feel better they will lie to you and try to get you to admit the debt. Best wait till you can answer the question below before doing anything further ok?

 

 

What does the letter actually say please?

 

 

Make sure you check the payment history as well and then let us know what is happening on your file....

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I wouldn't call them- I prefer to do anything that important by good old fashioned snail mail.

 

 

For each of the letters from MKDP there is an accompanying letter from HSBC informing him that each of the debts was sold on 8th Dec 2011.

All 4 letters are dated 17th feb 2015 which I find a bit bizarre.

 

The letters from HSBC just inform us of the amount due and the fact that the debts were sold on 8th Dec 2011.

The two from MKDP inform us that they have bought the debt on 8th Dev 2011 and to contact them to organise payment urgently.

 

We will have a look at my husbands file tomorrow. Thanks for your help so far.

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Hi again,

 

Have checked my husbands credit file on Noddle.

 

I've never seen a credit file before so it was quite an eye-opener!

 

I am assuming that the date of default recorded will be the last date a payment was made? Like I said before he doesn't think he has made any payments since May and June 2009 and these are the date of defaults in the credit rating for the two that we got the letters about yesterday. Today we also received an annual statement from MKDP for the same two accounts.

 

There are a few smaller defaulted accounts that he knew about and one or two to Lowell that he didnt!

 

There have been no CCJs registered which I guess is good.

 

We live in Scotland and my husband lived here when he took out the debts in question so I am wondering if they are hoping to catch him out as we have passed the 5 year period since the last payment.

 

Again, any advice on what we should do would be gratefully appreciated.

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I am assuming that the date of default recorded will be the last date a payment was made?

 

Not quite no, it used to be anything up to six months after the last failed activity on the account, but for some reason they have got

rid of that rule??

 

However, once a default is placed on a CRF, then it has a life of 6 years, and then it will auto drop off, paid or not.

 

If your in the beautiful bonnie Scotland then the limitation period is 5 years, as opposed to 6 for the rest of us mugs getting ripped off down here.

 

If you are 100% confident that it has been more than five years since last payment or written acknowledgement of the debt, then it will be SB and you ''could'' send them the SB letter.

 

Although Noddle is a good substitute to keep an eye on your CRF, it isn't always as accurate as the others, Experian/Equifax.......Noddle is not always updated as regularly, but I use it anyway. Just saying that if you need to be 100% certain, then I wouldn't rely on Noddle...

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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