Keynes / MKDP

[PlanB]

Re: Keynes / MKDP

I'll probably be their next target. MKDP have two of my ex-Barclaycards

Court summons from MKDP arrived this morning

[nanna58]

Re: Keynes / MKDP

[PlanB]

Re: Keynes / MKDP

Nah, no problem. These guys are chancers even though I buckled earlier. They haven't got a legal leg to stand on with my claim.


I've been in touch with Niddy today and it basically went like this

[mike'y]

Re: Keynes / MKDP

I've got a matter running with them. Never had a default notice thus far. October 2013 they sent me the same notice as the OP recieved. On 15th October 2013 I sent them a request under the CPR . They replied saying I needed to send them £10 for a SAR. I've let it lie but recently they sent me another letter the same as the OP's, ie a repeat. I've ignored that because I've already replied to it a year ago if that makes sense? Maybe I should start a new thread about it?

[PlanB]

Re: Keynes / MKDP

I've got a matter running with them. Never had a default notice thus far. October 2013 they sent me the same notice as the OP recieved. On 15th October 2013 I sent them a request under the CPR . They replied saying I needed to send them £10 for a SAR. I've let it lie but recently they sent me another letter the same as the OP's, ie a repeat. I've ignored that because I've already replied to it a year ago if that makes sense? Maybe I should start a new thread about it?

I'm thinking of starting a whole sub-section on MKDP who are clearly breaching the FCA CONC 13.1.6 guidelines. We have a number of cases in the Legal Section to support this.

I got a second court summons from them today so I'm really fired up to deal with this pest

Watch this space

[The Tech Clerk]

Re: Keynes / MKDP

I'm thinking of starting a whole sub-section on MKDP who are clearly breaching the FCA CONC 13.1.6 guidelines. We have a number of cases in the Legal Section to support this.

I got a second court summons from them today so I'm really fired up to deal with this pest

Watch this space

Go for it Di!

[CleverClogs (RIP)]

Re: Keynes / MKDP

Just to update, had a letter back saying they will look into this and it may mean getting in touch with the original creditor. So I dare say they will just come back with what BarclayCrud did.

Begs the question though, how and why are they allowed to harass and bully people for money when they didn't get the correct documentation in the first place? After all, they bought the debt so the paperwork should have been the first thing to receive,

It would be most remarkable if any debt collecting parasite did have any of the correct documentation and even more unusual if they could produce the original agreement or application form. Despite section 78 having been part of the Consumer Credit Act 1974 ever since that Act became law, few (if any) credit card providers bothered to retain the original documents, preferring to archive them as microfilm and to burn or shred the originals.

Furthermore, when the alleged debt is assigned - for pennies in the pound - to a debt collecting parasite, none of the credit card provider's archives will have been accessed. All that will be handed over will be computer records of the alleged debt, balance allegedly outstanding, name of the alleged debtor and where they last resided. The parasite will neither know nor care how the alleged debt had been incurred, nor whether or not the alleged debtor is vulnerable and, in the cases of the Lowells Group and MKDP, seem to shew the level of compassion formerly associated with der Schutzstaffel.

[Bugsy]

Re: Keynes / MKDP

MKDP in reply to my wife's CCA request for her Barclaycard have sent a photo copy of the original application form and a couple of T&Cs but the application form is only 75% readable. The part where the prescribed terms would be if they were on it or a reference to T&Cs overleaf etc is totally unreadable. Not sure how they got the application form as Barclaycard couldn't or wouldn't supply it when we sent a CCA request to them in 2011.

[CleverClogs (RIP)]

Re: Keynes / MKDP

MKDP in reply to my wife's CCA request for her Barclaycard have sent a photo copy of the original application form and a couple of T&Cs but the application form is only 75% readable. The part where the prescribed terms would be if they were on it or a reference to T&Cs overleaf etc is totally unreadable. Not sure how they got the application form as Barclaycard couldn't or wouldn't supply it when we sent a CCA request to them in 2011.

It probably was not a Xerox copy ("photocopy") but a laser print of an indifferently scanned document, scanned at 300 dpi or less.

If the document is not "easily legible", then MKDP has not complied with Regulation 2 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (link) and hence has not satisfied the s78 request.

[jet set willy]

Re: Keynes / MKDP

As a minor update, we have now had three letters saying they are still dealing with the original creditor for the information requested and they take this very seriously!!! Not serious enough to get proof of debt BEFORE they bought it though eh?

At least some of you good people have had replies with some sort of dodgy attempt to comply. Maybe they are busy haha.

Surely there must be a cause to complain about this or even to tell them to put up or shut up. It alsmost gives everyone the right to go around demanding made up debts and harrass people without any sort of proof to back it up. Its disgraceful really.

[MrsD]

Re: Keynes / MKDP

silence is golden and the clock is ticking, chill

[CleverClogs (RIP)]

Re: Keynes / MKDP

As a minor update, we have now had three letters saying they are still dealing with the original creditor for the information requested and they take this very seriously!!! Not serious enough to get proof of debt BEFORE they bought it though eh?

At least some of you good people have had replies with some sort of dodgy attempt to comply. Maybe they are busy haha.

Surely there must be a cause to complain about this or even to tell them to put up or shut up. It almost gives everyone the right to go around demanding made up debts and harass people without any sort of proof to back it up. It's disgraceful really.

Anyone can claim to be owed money, with or without proof of the alleged debt.

MKDP may be able to prove that the debt exists and may even be able to prove that it is the value they state it to be but, until and unless they comply with the s78 request, any claim they might commence should be impossible to enforce.

See paragraph (6) of the attached file.

[CleverClogs (RIP)]

Re: Keynes / MKDP

Then there is the little matter of section 85 of the Consumer Credit Act 1974 - link.

How many times did the original creditor send a copy of the executed agreement (and of the applicable terms and conditions) with any new credit tokens?

[jet set willy]

Re: Keynes / MKDP

Oh well, they sent through a right load of gumph!

Pages of terms, could be related to anyone or anything. No agreement page but there is a cancellation box. No signatures anywhere of course but they are adamant that this fulfills their requirements.
The only mention of my wifes name is printed at the top of one of the pages, sadly, its her now married name. She was still with her maiden name when this would have been taken out, hopefully they get that right before they make anything up!

Clearly barclays dont have anything of worth and now keynes own this i wonder how they will react? Not well i guess

Probably best to wite back telling them its not what i was expecting to see, in case they decide to move forward with this.

[Pixie]

Re: Keynes / MKDP

Just don't tell them what they've done wrong!