SaltnVinegar v MKDP

[SaltnVinegar]

Thanks everyone - this has been a 'nice' one to deal with. MKDP and Rob Way have got themselves into knots over this so its been easy to bat them away, each time for them to come back with more garbage.

[Susie]

Thats good news for you, good of them to confirm it by offering the discount, just a shame for them that you know that you have a 100% discount now

[Spud]

That's such great news S&V and true inspiration for those still on the journey.......really pleased for you

[cymruambyth]

That's great news

[Still Waving]

Good for you SnV.

[nightwatch]

Hi All

Just an update - have made it over the finish line - this is now statute barred!

Even on the spurious 'evidence' that Robinson Way sent me, the last payment would have been May 2017, so this is now well over the line. Confirmed to me by the fact that Rob Way sent me a letter a couple of weeks ago offering me an 87% discount on the balance.



So fingers crossed thats the end of it, and they don't be stupid and issue a claim, but another win for AAD and UE!

I thought my discount of 69% from RW was a good one on my UE barclaycard I was going to tell them it was UE but couldn't be bothered, will wait and see if I get a better discount, then tell them to jog on.

[nanna58]

xxx

[SaltnVinegar]

Hi All

Just an update - have made it over the finish line - this is now statute barred!

Even on the spurious 'evidence' that Robinson Way sent me, the last payment would have been May 2017, so this is now well over the line. Confirmed to me by the fact that Rob Way sent me a letter a couple of weeks ago offering me an 87% discount on the balance.



So fingers crossed thats the end of it, and they don't be stupid and issue a claim, but another win for AAD and UE!

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Hi Everyone

Well Robinson Way have finally got back to me with a reconstituted credit agreement! Unfortunately for them its the same as the one they sent me back in 2014:

Two credit agreements, one with correct name and address, but only one pager of t&c's, the other with correct name and wrong address, and a bunch of t&c's that don't relate to either agreement.

They have also sent me a bunch of statements that also have correct name but wrong address. Statements show a payment made in Feb 2011, but as it shows the wrong address who knows who that relates to!

Rob Way have given me 30 days to make a payment proposal (as according to them they have fulfilled their obligations). Thats nice of them, I won't respond until day 29 as that way its getting close to SB even on the basis of their own flawed paperwork!

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Wow - MKDP must win awards for the most illiterate (or incompetent) staff on the planet. I have never said I have contacted the FOS, and I have told them on several occasions that their reconstructed CCA is wrong, yet still they persist.....

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Its been 4 weeks and a little flurry of activity from MKDP. Had a phonecall and a text and a letter that states that I haven't provided them with any information to prove that the debt is not mine (WTF!) and that they will continue to contact me to make an arrangement to pay.

Short sharp letter being sent in return to correct them that it is they who have to prove a debt exists, and that to continue to pursue for payment when they have not is a breach of FCA CONC guidelines

[SaltnVinegar]

Re: SaltnVinegar v MKDP

Well stalling letter has gone to MKDP - will see how they react to that one......

[SaltnVinegar]

Re: SaltnVinegar v MKDP

I would probably only hint that you'll refer it to the FOS but think carefully about actually doing that because you don't want to reveal all MKDP's errors to the FOS which will give them a chance to correct them

No that was exactly my thinking, I would have no intention of going to the FOS as I doubt they would side with me anyway. But writing saying that I will be looking at refering this to the FOS and request that they put the account on hold.

Have you received any Notice of Sums in Arrears from MKDP ever?

Nope nothing. No Notice of Sums in Arrears, no Default Notice, no Notice of Termination

The only thing that may scupper things, is that there is no date on the 'true copy' of the agreement thats been sent to me. On Noddle its been recorded that the account was opened in October 2007.

If that is the case (and I genuinely cannot remember), then s127 is not going to help me anyway, and it'll be a court decision regardless.

[PlanB]

Re: SaltnVinegar v MKDP

I would probably only hint that you'll refer it to the FOS but think carefully about actually doing that because you don't want to reveal all MKDP's errors to the FOS which will give them a chance to correct them

The FOS will ask you to prove the CCA has the wrong address and by doing so (giving them the correct address) MKDP may then come up with a new accurate recon.

Have you received any Notice of Sums in Arrears from MKDP ever?

Plan B x

[SaltnVinegar]

Re: SaltnVinegar v MKDP

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

Thanks Plan B - yes the 2nd page was just a page with the usual "you have 6 months to refer to the Ombudsman' gumph.

I like your stalling plan - another 6 months delay is 6 months closer to SB.

None of the "statements" that MKDP sent me show a payment made (and they're from late 2010), so can't be more than 12 months or so before SB (maybe 18 months max?).

Knowing then how long it can take the Ombudsman to investigate things there's every possibility I can drag this out even longer............