MKRR/MKDP HSBC debt

[shifnal]

I had a letter this morning from a company calling itself MKPD. They claim in the letter that

 

HSBC Bank plc has assigned all its respective rights title and interests in respect of the HSBC Bank plc current account number XXXXX to MKDP LLP on 8th December 2011.

 

MK Rapid Recoveries has been appointed by MKDP LLP to manage your account and it is essential that all future payments and correspondence regarding this account be directed to MK Rapid Recoveries at MK Rapid Recoveries, Fleming House, Seebeck Place, Knowhill, Milton Keynes MK5 8FR

 

They say the debt is for £1,848.88p, but I have no knowledge of this debt. I am also suspicious as they say it was passed to them in December 2011, so why wait until know to write to me?

 

Any advice as what to do would be gratefully appreciated. Thanks!

[dx100uk]

ignore them

its statute barred

 

 

check your credit file mind

 

 

to be sure

 

 

dx

[shifnal]

Thanks!

[shifnal]

Update: I had another letter from them today (Thursday 2nd April), stating that as I hadn't replied they would

Unti we reach an agreement to clear this balance we will continue to contact you by telephone or letter so we would advise you to resolve this matter.

 

What action should I take as I do not like being harrassed. Thanks!

[bruce1972]

Hello - my partner had exactly the same letter today also (/02/04/15) - he is almost certain that the debt is now statute barred hence we wondered if that was why there have been no nasty demands for payments threatening allsorts in bold red writing. Not sure whether to just ignore as if it is SB there's nowt they can do apart from hoping to hassle someone into paying??? Any thoughts/comments welcome !!

[dx100uk]

both of you do nothing more

 

 

save the SB trick for if/when they issue a claimform

 

 

just remember in E&W

even though a debt is SB'd

it still exists and can be chased.

 

 

dx

[theoldrouge]

if you are certain that it is sb, write and tell them

 

/ CONC / 7 / 15 CONC 7.15 Statute barred debts

 

CONC 7.15.1

01/04/2014

FCA

 

A debt is statute barred where the prescribed period within which a claim in relation to the debt may be brought expires. In England, Wales and Northern Ireland, the limitation period is generally six years in relation to debt. In Scotland, the prescriptive period is five years in relation to debt.

 

[Note: annex B1 of DCG]

 

CONC 7.15.2

01/04/2014

FCA

 

In England, Wales and Northern Ireland, a statute barred debt still exists and is recoverable.

 

[Note: paragraph 3.15a and annex B3 of DCG]

 

CONC 7.15.3

01/04/2014

FCA

 

In Scotland, a statute barred debt ceases to exist and is no longer recoverable if1) a relevant claim on behalf of the lender or owner has not been made during the relevant limitation period; and

(2) the debt has not been acknowledged by, or on behalf of, the customer during the relevant limitation period.

 

[Note: annex B3 of DCG]

 

 

CONC 7.15.4

01/04/2014

FCA

 

Notwithstanding that a debt may be recoverable, a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period.

 

[Note: paragraph 3.15b of DCG]

 

CONC 7.15.5

01/04/2014

FCA

 

If the lender or owner has been in regular contact with the customer during the limitation period, the firm may continue to attempt to recover the debt.

[Note: paragraph 3.15b of DCG]

 

CONC 7.15.6

01/04/2014

FCA

 

A firm must endeavour to ensure that it does not mislead a customer as to the customer's rights and obligations.

 

[Note: paragraph 3.15b of DCG]

 

CONC 7.15.7

01/04/2014

FCA

 

It is misleading for a firm to suggest or state that a customer may be the subject of court action for the sum of the statute barred debt when the firm knows, or reasonably ought to know, that the relevant limitation period has expired.

 

[Note: paragraph 3.15b of DCG]

 

CONC 7.15.8

01/04/2014

FCA

 

A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred.

 

[Note: paragraph 3.15b of DCG]

 

CONC 7.15.9

01/04/2014

FCA

 

A firm must identify for prospective purchasers of debts arising under credit agreements or consumer hire agreements or P2P agreements those debts which it knows or ought reasonably to know are statute barred, so as to avoid a firm taking inappropriate action against customers in relation to such debts.

 

[Note: paragraph 3.23c of DCG]

[shifnal]

Thanks!

[shifnal]

Just an update.

 

 

Had two letter from them today (20th April).

 

 

One was the standard, "we have't heard from you," letter.

 

 

The other was a statement.

It claims that it sent a previous statement on 30th Nove 2013,

but I never received such a statement.

 

 

It does state: "Total payments received £0.00."

 

Should I now send the SB letter or still wait? Thank you.

[dx100uk]

just the std statement they must send every 12mts or better.

if they think they are now the owner

else they cant charge interest.

 

 

as said pers I'd not pull the SB card out unless they issue a claimform

 

 

dx

[shifnal]

Thank you for your help. Appreciate it.

[shifnal]

Hi! Update. Had a letter today from a company called Hoist Portfolio Holding 2 Limited, saying that my account has been passed onto them by MKDP LLP, and asking me to make payment.

 

Should I do anything or ignore? Neither these or MKPD have ever shown proof that I am responsible for this debt. Thank you.

[dx100uk]

hoist bought MKDP recently

 

 

just trying to spoof you.

 

 

dx

[shifnal]

hoist bought MKDP recently

 

 

just trying to spoof you.

 

 

dx

 

Thanks!