mkdp/? claimform nationwide credit card debt - now stayed?

[tartanblood]

I have a £12.5k debt to Nationwide that was sold to MKDP.

 

 

On 30th September 2015 the debt will be statute barred

 

 

however on 27th November 2013 MKDP issued a claim in court to which I put in a defence

- to do with exorbitant charges I think but I can't remember now.

 

I have not heard anything since

 

 

does this mean that the debt is fixed for them to come back anytime

or will it be barred on 30th September 2015 if I hear nothing from them.

 

Now that Hoist have hold it of it

 

 

I doubt it will get that far

 

 

would it be better to contact them

 

 

and offer some form of repayment?

[fkofilee]

Have you checked that you haven't already been given a CCJ?

 

Also in the words of one of my favourite professional wrestler; "Im Afraid Ive Got Some Bad News!..."

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?448531-Hoist-Portfolio-Buys-MKDP-Etc-Compello-Group

[tartanblood]

No I have not got a CCJ - I filed a defence and that was it but can they reinstate this after 30th September - counting the days now!!

[Conniff]

This one is not cut and dry. A debt becomes statute barred if the company hasn't made any attempts to collect it, going to court could be classed as an attempt to collect, so the next move is up to them.

 

How did you ascertain you don't have a CCJ ?

[fkofilee]

This one is not cut and dry. A debt becomes statute barred if the company hasn't made any attempts to collect it, going to court could be classed as an attempt to collect, so the next move is up to them.

 

How did you ascertain you don't have a CCJ ?

 

check trust online and Noddle.

[tartanblood]

I checked Noddle and I do not have a CCJ for this but if they submitted a claim form through MCOL in November 2013 then am I to presume that the 6 years starts then for it to be barred and if this is the case then I am totally *****

[Conniff]

The actual time starts when you stopped paying or acknowledged the debt.

[tartanblood]

I thought you just said it would be statute barred but if they tried to collect it then it could be from that date???

[BazzaS]

I have a £12500 debt to Nationwide that was sold to MKDP. On 30th September 2015 the debt will be statute barred however on 27th November 2013 MKDP issued a claim in court to which I put in a defence - to do with exorbitant charges I think but I can't remember now.

I have not heard anything since so does this mean that the debt is fixed for them to come back anytime or will it be barred on 30th September 2015 if I hear nothing from them.

Now that Hoist have hold it of it I doubt it will get that far so would it be better to contact them and offer some form of repayment?

 

What is the current status of MKDP's claim?

[Conniff]

I thought you just said it would be statute barred but if they tried to collect it then it could be from that date???

 

Which is why I said not 100% cut and dry. It becomes statute barred if there is no payments received or admittance that the debt exists. You putting in a defence and saying 'can I have payment arrangement should they win' might be construed as an admission.

[dx100uk]

claimform stalls the SB clock.

 

 

so the claimis stayed

until/unless they want to pay to unstay it and file the claim.

[dx100uk]

was this your nationwide credit card debt you stopped paying because of the dodgy CCA return?

[tartanblood]

No this is totally different to my other post.

 

 

I had a Nationwide Credit Card and could not pay.

 

 

I did not hear anything from them until I received a claim form from MKDP in November 2013 and I put in a defence.

 

 

I never heard anything else from MKDP

 

 

now I have found out that they have sold their debts to Hoist and they will certainly pursue this.

 

 

I was asking the team if the claim form in November 2013 would mean that the debt will not be SB in September 2015

because the case has been opened up even though I have not contacted them or admitted the debt?

[dx100uk]

answered you in post 11

 

 

dx

[tartanblood]

Thanks - should I contact them now and make an offer of payment or wait until Hoist contact me? I am going to see my CAB next week so I could draw up my income/expenses to send anyway.

[dx100uk]

why?

you are supposing ..things might happen

 

 

they cant move forward unless they pay to unstay the claim

[tartanblood]

I am just very nervous as Hoist now have the debt and it will be another 4 years until it is SB

[tartanblood]

How much is it to unstay the claim?

[fkofilee]

Hoist own Compello. They havent sold anything... Just their souls to a bigger devil...

[dx100uk]

I am just very nervous as Hoist now have the debt and it will be another 4 years until it is SB

 

 

as I have said several times

it can not ever be SB's as the claimform paused the SB clock

 

 

the claim is stayed

until they pay to advance the claim, which they haven't to date.

it wouldn't matter who is in charge of it,

dx