Barclaycard has sold my debt to MKDP with a wrong default date

[martin2006]

It was just a reminder dt, that info was in #2

[dt100]

Thanks Martin.

 

I will let you know as soon as I get further response from Barclaycard.

[dt100]

Dear Members,

 

I have some good news.

 

I have received reply from Barclaycard,

 

 

Barclaycard have confirmed that I was right and they are sorry for the mistake.

It was a system error and it shouldn't be on my credit files.

 

 

They have informed me that they will request MKDP to remove this from the Credit file as MKDP are owner of the debts.

 

 

They have asked me to contact them if this default is not removed within 6 weeks.

 

 

Please note that a week ago I had received letter from Robinson way asking me to settle by paying half of the debt.

 

I wouldn't have reached this stage without your expertise. Highly obliged and thankful.

 

Please advise if I need to take further action.

[fkofilee]

Congrats with the result. Right now nothing else needs to be done.

 

Perhaps consider a donation to the site if we helped you?

[dt100]

Thank you fkofilee. Donation was always on my mind. I will make a donation soon

[fkofilee]

Hi DT

 

Thank you, without the site, lots of people wouldnt get the help they need

As for RW.. Tell me more...

[dt100]

I was notified that my BC debt has been transferred to H2HP Ltd

and Robbinson Way will be collecting on their behalf.

 

Now Barclaycard will be contacting MKDP to remove the default.

 

Am I right in thinking that MKDP & H2HP are same group?

[dt100]

Thank you Fkofilee.

[fkofilee]

Yep... They are...

[dt100]

Thank you once again. I will keep you posted.

[martin2006]

Congratulations dt, excellent result, just waiting on the outcome of my complaint with them before taking court action.

 

Keep an eye on your credit files to make sure the default goes, if its not gone in 2 months, write to Mr Roemer post #2

[dt100]

Thank you Martin. I hope you have written to them again to remind them. After writing to me once BC stop contacting me so wrote to them again to remind them. Then they started sending me regular updates about my case.

 

Wish you all the best. I will keep you posted.

[Beamengine]

Does this mean that BC will now stop this practice that is blighting the credit score?

It seems to be an approach that is deliberately aimed at making it difficult for debtors to recover rather than helping them.

 

One significant point is that HPH2 is currently registering the activity on an ex-BC account that has been assigned to them

but their FCA Interim Permission has been cancelled.

 

 

I wonder about the status of all of the court claims they have made since the cancellation as I doubt that they can legally trade without permission.

[dx100uk]

they are covered by the group licence.

[Beamengine]

I am aware that HPH2 are part of Hoist Finance UK who do have IP. However, the FCA register does not sho any affiliated companies or trading names associated with the company. In all of the other examples I have found the affiliates and/or trading names are included.

 

As HPH2 are registered outside the EEA and the English courts do not have jusrisdiction I can't see how they should be able to trade as a DCA in England.

[dx100uk]

up tree wrong barking..

 

 

if there was an issue

why are there 1000's of claims in the courts by HPH2 itd

and not one has picked this up

 

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=HPH2+claim&sa=Search+CAG#gsc.tab=0&gsc.q=HPH2%20claim&gsc.page=1

[Beamengine]

if there was an issue

why are there 1000's of claims in the courts by HPH2 itd

and not one has picked this up

A good question but it doesn't mean that they do have permission.

 

It took 17 years before the Court of Appeal picked up the defect in the DPA that meant that it did not implement the EU Directive.

 

Their IP was cancelled fairly recently,

probably this year but the FCA Register doesn't give the date.

 

Robway and MKDP have retained their IP and they are part of the group.

Edited April 17, 2016 by slick132
sorted format of quote

[dt100]

Thank you for your help site team and members. I have made a small donation to consumer action group.

 

I am sure that CAG will help many more people like me.

 

dt100

[slick132]

Thanks DT100.

 

As always, donations to our site are appreciated as it helps us stay here helping folk.

 

[dt100]

Dear Members,

 

I have received a letter from Robinson way threatening to issue a county court judgement,

send a report to credit reference agency

and try to contact me at my work regarding Barclaycard if I don't contact them.

 

Barclaycard had asked MKDP to remove the default from my credit file

which MKDP has removed

but now I am getting letter from Robinson way chasing the same debt and asking to contact them.

 

 

I thought MKDP and Robinson way were the same lot

so how come a default removed by MKDP is being chased by Robinson way.

Please advise.

 

Thank you

[martin2006]

was the default transferred to HPH2 when it was assigned,

what does your credit file now say,

have the defaults from BC and MKDP been removed?

 

Dont worry about RW for now,

any claimform they are stupid enough to issue will be shot down in flames, its SB'd.

 

Hope you kept the letter confirming the default error from BC

[dt100]

Yes I have the barclaycard letter apologising for the error and promising to contact MKDP to remove the default.

 

The default was removed from my files in March 2016.

 

I am going to send this barclaycard letter to Robinson way and ask them to stop harassing me.

 

is it a good idea to send the Barclaycard apology letter to Robinson way?

 

As always your advise is very valuable to me.

[dx100uk]

as from day one on this thread

the statute barred issue

and the default issue are not linked

 

so little point in sending RW/MKDP/HPH2/Hoist anything.

 

the debt is still statute barred, makes no odds if its defaulted or not

or showing or not on your CRA file..its still SB'd.

 

in E&W just 'because' a debt is statute barred

theres nothing that says the owner or its agents cant write and ask for payment..

as long as they don't intimate or threaten court.

 

you can equally write back and ask them to go away.

 

the FCA conc rules state that IF you do send a letter to a 'creditor' chasing an SB debt

stating the debt is statute barred, asking them to cease and they don't, they could be sanctioned .

 

however that's just like wagging a finger at a naughty speeding driver.

 

IGNORE....

 

 

dx

[dt100]

Thank you dx but I am worried.

 

I am buying a house and Mortgage has been approved.

 

If by any chance they put this on my credit files even temporarily my mortgage will be refused.

 

I have already paid a nonrefundable deposit.

[dx100uk]

its gone

it cant comeback