MKDP LLP, welcome loans - Taken £1.00 Postal Order as payment

[Hadituptohere]

Hi

 

Received a statement from MKDP today for a statute Barred Debt.

 

In June last year before the statue I sent a S77/78 request along with the £1.00 Postal Order clearly stating it was for the Fee incurred and not to be used for anything else.

 

I didnt receive anything from my request.

 

On their statement its gone down as payment received!!!

 

The Debt was statute from Feb 2015

 

I thought this wasnt allowed???

 

Hadituptohere

[SabreSheep]

It isnt

 

Ignore that payment. If they issue a claim and you reply with a SB defence. It is up to them to disprove SB status and as you are aware of that payment you can use it against them if they are silly enough to try

[citizenB]

HIUTH, for their accounting purposes, some of the companies don't have a specific slot to put the SAR and CCA payments, so they do take it off the account. However, in a situation where they would attempt to claim that this was a payment made by you to the account, this can be challenged.

 

So they can pretty much do what they want with those legal fees, except claim that it was a payment made by you

[merlin100]

Bit late for this I know, but when sending a CCA Request I always add the line - "Please find enclosed Postal Order No xxxxxxxxxx that must only be used as payment for this CCA Request".

 

That absolutely ties the PO to the CCA. Maybe its why none of these firms have ever tried this with me?

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**(1-Viewing)-nbsp

 

If the request was made using our template letter, then this also includes the statement that the £1.00 is for a specific purpose and not to be used for any other.

[Hadituptohere]

Thankyou all,

 

Citizen B it was the template of the site that states that the payment wasn't to be used for anything else

 

What can I do if this company are still recording details with the CRC's, as it seems they have a different default date than the original Creditors Default Date and the is two entrys on my Credit File regarding the same Account????

 

Thanks for any advise

 

Hadituptohere

[citizenB]

Thankyou all,

 

Citizen B it was the template of the site that states that the payment wasn't to be used for anything else

 

What can I do if this company are still recording details with the CRC's, as it seems they have a different default date than the original Creditors Default Date and the is two entrys on my Credit File regarding the same Account????

 

Thanks for any advise

 

Hadituptohere

 

 

The original default date CANNOT be altered. So if two default start dates that are different are being recorded you should make a complaint - first to their Head / registered office and if that doesn't resolve the situation, then you can escalate to the ICO, perhaps even to the FOS.

 

You might find that the two companies run their reports alongside each other.

 

Original creditor - with original default date and record up to assignment, at which point

 

the new owner - will start recording from the sale date up till the 6 years is complete.

 

If this isn't the case, then start the complaints.

[Hadituptohere]

Many Thanks Citizen

[Hadituptohere]

This debt has now been sold on to HPH2 LTD.. And passed to Robinson way,

they've written requesting contact and payment.

I've sent the SB template letter back to them,

 

 

they called my house phone the other day,

I was going to refuse to go through the security questions but though no I'd see what they have to say.

 

They mentioned the so called account and asked how I'd be making a payment ( I did giggle )

I asked when the last payment was made on this so called account

 

 

the poor bloke said he didn't have that information,

I told him where to get off chasing someone for money's they didn't have information on

and said to come back to me when he did and that there was a letter in the post responding to their written request.

 

He then quickly said that he did have the info regarding the last payment and that it was Nov 2009,

so I asked him todo his maths and asked again why he had rang..

 

 

I then told him again to get in touch once he's done his homework and that all future correspondence in writing please.

This debt is statute barred now

 

 

looking through the SAR from Welcome

I've had three accounts with PPI 2 that ran together 6 months apart and the 3rd settled the balance on 2,

I paid £1300.00 at 94.00 per month PPI on the 3rd

but then defaulted and this is the SB account.

. Time to reclaim I think

 

Hadituptohere

[citizenB]

There have been quite a few of these recently - mostly from Lowells. I suspect they have been a bit slack in their administrative work.

 

 

Have you told them in the letter that the account is statute barred ?

[Hadituptohere]

I Have using the template SB letter ��, looking at reclaiming the PPI now, I have the CI sheet already.

 

I know I've to input the date of payment and there interest rate. Do I put the end date as today's date? I've just tried it with the first PPI claim from 1999 and their interest rate was 112% pa, the amount of PPI was £138.00 payable over 12months and it came out with a 5 figure sum.. Is that right??

 

Also what do you do when you have 2 PPI accounts that ran almost side by side but we're both payed off with another loan that contained the larger PPI...Any help appreciated please

 

Hadituptohere

[mightymouse1976]

Once a debt is statute barred it's still statute barred even if a payment is made after that date.

 

Be careful claiming back ppi on any debt that you are trying to get written off via statute barring or any other method, by claiming ppi you are acknowledging that debt and they could use the ppi refund to pay off part or all of the outstanding debt leaving you back to day 1 of the clock. Just be careful

[dx100uk]

no if its already statute barred.

 

you nor a judge can reset that date.

 

if the debt is still owned by the OC

then they can offset the PPI mind

 

if its sold on they cant

[dx100uk]

I Have using the template SB letter ��, looking at reclaiming the PPI now, I have the CI sheet already.

 

I know I've to input the date of payment and their interest rate.

Do I put the end date as today's date?

 

 

I've just tried it with the first PPI claim from 1999 and their interest rate was 112% pa,

the amount of PPI was £138.00 payable over 12months

and it came out with a 5 figure sum.

 

 

. Is that right??

 

Also what do you do when you have 2 PPI accounts that ran almost side by side

but we're both payed off with another loan that contained the larger PPI.

 

 

..Any help appreciated please

 

Hadituptohere

 

 

as the debts were a chain

 

 

select the right part of this

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

 

 

...as for the CISHEET...I take it this one is a credit card debt?

[Hadituptohere]

No there 3 personal loans, I've just read citizenB's thread and seen the statintsheet but I've seen that the CI sheet can be used for PPI redress that the fos don't award, struggling to get my head around it all, thankyou for your input

 

Hadituptohere

[dx100uk]

3 rolled loans section then

and the statint sheet

[Hadituptohere]

Thankyou I'll take a break and try again later.

 

Hadituptohere

[Hadituptohere]

Might be a silly question but do I include the Acceptance fee??

 

Hadituptohere

[dx100uk]

sadly no.

[Hadituptohere]

But when I look at the account payment history it states insurance premiums advanced £134.29 which happens to be the PPI + the acceptance fee. Ok ill just go minus the acceptance fee, thankyou

 

Hadituptohere

[dx100uk]

??really

 

 

PPI is usually a bulk sum in the first statement

 

 

can you scan it up in pdf

[Hadituptohere]

And to make things worse welcome was taking direct debits weekly, the monthly payment was £71.56 but welcome took £18.00 per week ???

 

Hadituptohere

[dx100uk]

4*18=72 that's ok

 

 

you need to work out the PPI% of each payment

when it was made

enter each one on the spready

and work out the carryover if loan didn't get a rebate before refinancing into the next

[Hadituptohere]

As requested:

 

 

I thought monthly= 18x4.4 sorry is that me being thick??

welcome 2.pdf

welcome ppi.pdf

[Hadituptohere]

When I worked as a Residential Lettings Manager the perk ok collecting weekly rents yielded 53 payments per year instead of 52.. just a thought

 

Hadituptohere