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MKDP CCJ - old HSBC Credit card 'debt' -set aside?


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Hi there welcome to CAG

 

First of all.

 

When was the account opened?

When was the last time you made a payment?

When was the Claim form issued?

When was the judgement?

Is the debt still on your credit file?

 

Why did you not respond to the N1 claim form/

Or acknowledge the claim

Or file a defence?

 

Also I am moving your thread to the financial legal forum so it will be better seen. This is just an administrative move on my part.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

 

please fill this out too

 

 

can you also confirm if you have already got a CCJ

or this was just a claimform?

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 was the account opened?

Not too sure around 2006, was an old student account

 

When was the last time you made a payment?

Also not too sure as i have no statements but more than 3years ago

 

When was the Claim form issued?

 

When was the judgement?

Judgment was in January

Is the debt still on your credit file?

Most likely, haven't checked

 

Why did you not respond to the N1 claim form/

Or acknowledge the claim

Or file a defence?

 

Wasn't sure is if it was statues barred/ got lost in other letters

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O\ O\

 

2006 means they would of needed the original agreement to enforce in court had you defended...

 

For statute barred you MUST work out when the last payment was and when the claim was issued. No guessing etc. Your biggest problem is from the facts you state is that you did not defend as you "thought it might be statute barred" Btw that means 6 years from last payment or acknowledgement

 

Unfortunately, if you do not defend they get a default judgment in their favor...

 

In order to progress you need to find out if it truly was statute barred. Even if that means paying £10 to send a SAR to HSBC requesting ALL info. Send it recorded delivery as well. and keep proof of postage and delivery.

 

Then return here once you have worked out when the last payment and acknowledgement of the debt was. Then, people can see if it is worth applying for a set aside via a N244. This will cost you at least £155 which you will be very hard pressed to get back.

 

Even then the District Judge is going to want to know why you did not engage with the process. This is only worth doing by the way if the debt WAS statute barred at the time the N1 claim form was issued.

 

Please follow the link above by Dx (Post #3) and paste the answers here. The more info we have the easier it will be to help you.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Can't hurt to ring HSBC and ask the simple direct question..

When did I last use or make a payment on my card please?

 

Do the sar mind too

As I bet there's PPI or penalty fees bouncing around

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...

why the CCJ trumps silly letters

 

 

can we have that link filled in please

 

 

and go ring HSBC ask when last payment was..........

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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ame of the Claimant ? MKDP LLP

 

Date of issue – dec 2014 Judgment was January 2015

What is the claim for –

 

1.The Claimant claims the sum of 640 being monies due from the Defendant to the claimant

under a regulated agreement originally with HSBC Bank plc. The defendant's account number was ....

and was assigned to the Claimant on 07/2013.

What is the value of the claim? 700

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card

When did you enter into the original agreement before or after 2007?

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

Did you receive a Default Notice from the original creditor?

 

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments?

 

What was the date of your last payment?

 

Was there a dispute with the original creditor that remains unresolved?

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan?

 

I did talk to someone at the time but nothing was agreed as the repayments they wanted were not affordable

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rung hsbc yet?

you need to naildown when you last paid anything to them

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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  • 3 weeks later...

go ring them

 

 

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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Urm..who said that utter twaddle

 

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

well can you?

IMHO you'll be fobbed off mind.

 

 

but worth the punt.

 

 

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

You've simply got the hoist letter?

 

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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you have a letter saying MKDP have sold the debt

I bet it says to hoist portfolio [Robinson way]

 

 

FWIW: hoist recent purchased MKDP, so all now part of the same group.

 

 

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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  • 2 weeks later...

The letter SAR I sent the data Department wasn't processed and I received abother letter for me to fill out about what data I want. I didn't sign the letter so they said they couldn't verify identity. Also I didn't receive me po back from them. What should I tell the court whilst I'm dealing with this?

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A SAR is all data = not bits = another HSBC crap organisation inference that they are a law to themselves, always sign a SAR request as they would be right in stating data protection, put a small mark within if you are worries and photocopy for your records.

:mad2::-x:jaw::sad:
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