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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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Keynes/MKRR/ MKDP chasing old 2001 HSBA loan


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Good evening,

 

I was hoping i could get some advice regarding a debt which is with MK Recoveries.

I got a letter through the post today from Keynes Collections which stated the following

 

"This letter is made in accordance with the Practice Direction - Pre Action Conduct of the Civil Procedure Rules. Your attention is drawn to Paragraph 4 of Annex A of the Practice Direction concerning the court's power to impose sanctions for failure to comply with the Practice Direction"

 

They are asking that i make contact with MK and sort out payment or an arrangement before action is taken.

 

I would take a good guess that i made a previous payment before as in means of an arrangement. Whether it was with this outfit, i cant be 100% sure.

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Is it a managed loan with them?

 

From what i understand the debt has been assigned to MK Debt Recoveries or one of their many alias. I imagine they have bought the debt?

Never received any paperwork but when do you ever?

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when did you last pay the loan?

 

 

is this on your credit file?

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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when did you last pay the loan?

 

 

is this on your credit file?

 

 

dx

 

I had an arrangement on and this would have been with a DCA (cannot be specifically sure the DCA was MK Recoveries)

 

The default R.E. this loan has since dropped off my credit file and no longer shows. I havent made a direct payment to HSBC within 6yrs .

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urm..

sounds like you've been cash cowed for years here

 

 

send MKDP a CCA request

£1PO leave it blank

don't sign anything

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sent them a CCA request [whom you have been paying]

 

 

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

sent them a CCA request [whom you have been paying]

 

dx

 

Hi DX,

 

I have just been having a look and

from what i can see the arrangement i previously had was in place with a DCA called Metropolitan Debt Collection

which from looking i can see is part of HSBC but make out they are separate.

 

So the fool of me to believe they were nothing to with HSBC.

 

i got ill in around 2012 and Metro aka HSBC weren't willing to negotiate with me a repayment plan which i could realistically afford.

 

 

Still to this day in all honesty i couldn't afford the amounts they would want from me.

 

Looking through my letters i found a letter which i got from MKDP at the end of Feb 2015

in which they state as per previous correspondence (dont recall any)

the account has been assigned to MKDP LLP who are now the legal owners of the debt

(but never bothered to send me any relevant paperwork)

 

You have recently made a payment to HSBC (No!! I havent!!)

and we are writing to advise that any further payments blah blah blah and

they then include a DD mandate form and expenditure form and complimentary prepaid envelope.

 

So from this who would you advise i send the CCA too?

 

 

Should i send this off to MKDP seeing how they are telling me they now legally own this debt?

 

 

I mean they havent even given any date from which they took over this debt.

And the claim i recently made a payment to HSBC :???:

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CCA MKDP

 

 

DCA's are not BAILIFFS

 

 

and have no such legal powers

 

 

they always send letters claiming this and that to make you respond

 

 

the real trick is not to fall for the rubbish!

 

 

await the next red or discount letter and comeback then

 

 

last payment to anyone?

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

CCA MKDP

 

 

DCA's are not BAILIFFS

 

 

and have no such legal powers

 

 

they always send letters claiming this and that to make you respond

 

 

the real trick is not to fall for the rubbish!

 

 

await the next red or discount letter and comeback then

 

 

last payment to anyone?

 

 

dx

 

I will get a letter sent off to MKDP soon as possible.

The last payment I would have made to anyone would have been back in 2012 around June time.

 

Also just today I got a text measage from Keynes where they are asking me to call them. I think they may have tried calling me a few times but I just blocked the number.

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10/10

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Looking for some advice around this one.

 

 

Once i have sent this company a CCA request,

could they still press on ahead with a court claim?

 

 

- without an enforceable CCA they cannot.

 

Would it be worth me contacting Keynes to inform them that i have sent a CCA request and to put the account in dispute/hold?

 

 

nope they are all the same people

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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nope they are all the same people

 

 

dx

 

Ok i was just getting slightly worried as i seen on the legal section where MKDP have been issuing out claims and i was concerned they may do the same with myself.

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yes but how many times have you seen them win.........

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

MKDP wrote back to me stating that they are unable to find the original documents

and as they wish to deal with this in a professional manner blah blah blah,

 

 

they are liaising with the original creditor to locate these documents for me.

They will get in contact with me once they have them :roll:

 

they bought this debt with no paper work is what they are saying?

 

 

So they don't know what it is i owe?

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or more importantly cannot enforce it till they magic it up

 

 

phishing trip hoping to scare a mug into paying up

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Just to update over this.

MKDP came back with a big envelope with a main letter stating that they are unable to get a copy of the original signed agreement. So they included a copy of the terms and conditions. I mean they must of had 2 trees cut down because 47 pages of paper were sent out with the T&C's on them.

 

Also included was some accounts showing payments. Last payment made by me was in 2013 by Standing Order and there is a further payment for £8.23 which is stated to have been paid manually by GIRO in 2014. However i did not make this payment whatsoever. I dont even know where this money would have come from.

Would it have come from a dormant account? I dont even hold any accounts with HSBC anymore as these were closed.

 

Apart from this they also sent me a letter sending back my £1 postal order as they couldn't find my agreement and since then have been constantly phoning me and now texting me, asking me to make contact with them.

 

What is the process going forward now? Im still no further forward in what is actually owed. They could only provide accounts going so far and they don't even have an agreement so how can they even prove i owe this sum they claim is outstanding?

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