SaltnVinegar v MKDP

[PlanB]

Re: SaltnVinegar v MKDP

Latest missive from MKDP - they seem certain that they have fulfilled the requirements of the Act. What they fail to mention is that they have to provide a true copy, and that they have missed this point as there is no way it can be a true copy if it has a wrong address, and the address on the t&c's do not match either...

[ATTACH=CONFIG]18320[/ATTACH]

I'm going to guess the second page of that letter ended by telling you your right to go to the FOS within a maximum of six months and it would have enclosed the FOS leaflet.

The letter doesn't need a response from you (unless it said something else in the last paragraph).

How far to SB with this debt?

When I got one of those letters I simply wrote back to say that I was disappointed they continued to maintain that they had complied with my CCA request when they hadn't, but noted that I had six months to refer the complaint to the FOS. I asked them to confirm that no further action would be taken in the meantime.

That gave me six more months' peace and quiet. I never did refer my complaint to the FOS but it seems MKDP didn't want to take the gamble that I might.

Plan B x

[nanna58]

Re: SaltnVinegar v MKDP

So the justice system should always see through them shouldn't they ? something's wrong somewhere .

[SaltnVinegar]

Re: SaltnVinegar v MKDP

However they can be beaten

Absolutely - I would like to think this could be the case in my circumstances, not the least because they have behaved like arses, and also not complied with the CCA

Wouldn't it be great if these guys were put out of business, even better if it was AAD that did it , they really are vile, trading on peoples misery.xx

Its not just that Nanna, they are deliberately issuing claims, knowing full well their paperwork is not in order, and also abusing the legal system, knowing that most people will either fold, or, acting as LiP's be walked over.

[nanna58]

Re: SaltnVinegar v MKDP

Wouldn't it be great if these guys were put out of business, even better if it was AAD that did it , they really are vile, trading on peoples misery.xx

[Pixie]

Re: SaltnVinegar v MKDP

I fear you're right SnV

However they can be beaten

[SaltnVinegar]

Re: SaltnVinegar v MKDP

As you know, DCAs/OCs always say that what they've sent complies with CCA 1974. Barclaycard will have said that it's a true copy and MKDP will have accepted that what they've said is correct. Just keep quiet about the agreement having the wrong address and the address on the T&Cs not matching just in case MKDP take this further. I know you know this but I'm stating the obvious for other readers

Even when presented with irrefutable evidence that they have not complied MKDP modus operandi seems to be to proceed regardless. I suspect from the numerous cases we're seeing on here that they have made a business decision to progress most to the point of issuing a claim, on the basis that most will pay up at that point rather than defend.

I'm afraid I may have some business for our preferred solicitor in the near future

[Pixie]

Re: SaltnVinegar v MKDP

As you know, DCAs/OCs always say that what they've sent complies with CCA 1974. Barclaycard will have said that it's a true copy and MKDP will have accepted that what they've said is correct. Just keep quiet about the agreement having the wrong address and the address on the T&Cs not matching just in case MKDP take this further. I know you know this but I'm stating the obvious for other readers

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Latest missive from MKDP - they seem certain that they have fulfilled the requirements of the Act. What they fail to mention is that they have to provide a true copy, and that they have missed this point as there is no way it can be a true copy if it has a wrong address, and the address on the t&c's do not match either...

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Just another twist on this. Looking on Noddle, Barclaycard recorded an account as 'settled' at the incorrect address in Oct 2011.

However MKDP have entered a new record against my correct address with a defaut date of Oct 2011.

Not sure whether this helps the catalog of evidence against MKDP and that it can be shown their records are all over the place.

[SaltnVinegar]

Re: SaltnVinegar v MKDP

In which case you don't want them to put that right by sending a new CCA in case they get lucky second time.

Plan B x

Certainly don't want to give them another bite at the cherry!

Just looked through my emails, and I did ping the agreement over to Niddy last year so have given him a nudge to have another look.

[PlanB]

Re: SaltnVinegar v MKDP

Yup this one.

In which case you don't want them to put that right by sending a new CCA in case they get lucky second time.

Plan B x

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Or they've got the name correct but it's a random address to which you have no connection and never had any connection?

Yup this one.

[PlanB]

Re: SaltnVinegar v MKDP

I did not receive a DN, and subsequently did not receive a termination notice, as a result, no doubt, of the account details and address they have sent me, belonging to someone else.

Are you saying that MKDP have sent you a CCA belonging to someone else with a dfferent name at a different address?
Or they've got the name correct but it's a random address to which you have no connection and never had any connection?

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Just another thought on this.......

I did not receive a DN, and subsequently did not receive a termination notice, as a result, no doubt, of the account details and address they have sent me, belonging to someone else.

Can't imagine this is going to help MKDP one bit either

[SaltnVinegar]

Re: SaltnVinegar v MKDP

I never replied to that-I figured £3K going SB was worth more than £150 - and it quietly slid past the SB date last December. Phew!

Definately worth it! I can only hope mine will go the same way

- - - Updated - - -

Barclaycard have a dedicated email address for debt purchasers to contact them for agreements if the debtor queries the recon. That's when they start to dig deeper. I was thinking of spamming that email address

That, if nothing else, shows the extent of the problem they have!