Spud v MKDP ( Barclaycard) - LBA Received

[Spud]

I have a feeling I might need a bit of help from my beloved AAD family as it looks as though things are going to start to ramp up with one of the accounts MKDP own.


I came home today to a lovely letter from MKDP headed “ Notice of Intended Legal Action”- Basically it explains that they have instructed Keynes Collections and it is a formal Letter Before Action giving me 14 days from the date of the letter to pay up or legal action to recover the balance MAY be taken without further notice.


I will bring my Diary entry up to date and post it up on this thread but briefly:



Barclaycard Mastercard– Balance £8k – Stopped paying as U/E – About 4 years from SB date now


Sold to MKDP some time ago, I sent them a CCA which they could not respond to so the account was on hold for about a year.


About a month ago MKDPfinally came back with a set of illegible Terms and conditions ( Noagreement) which is obviously still U/E


I started sending them letters in reply to this telling them that they have not complied with my CCA request ect, I was just about to send the Illegible docs letter ect but they have dived straight in with the LBA.


So,


The plan of action.....


Sending off an advanced SAR request to Original Creditor tomorrow


Might send off another CCA request ( I need to double check dates as only around 1 month)


Niddy/Plan B (Especially Plan B while she has the fire in her tummy for all things MKDP ) - If it is in order with yourself I will send you over a copy of the CCA reply and LBA just to wet your appetite as Niddy never checked this one as it was clearly outrageously U/E


And I will start to put together the LBA reply for MKDP with the help of my AAD family


This one is totally U/E from what I have seen so far but as we know, That wont stop MKDP from issuing and using the courts as a threatening tool. I can feel another MKDP/AAD battle coming on


Spud

[Enforcer]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Wish you all the best. MKDP do not accept UE even when presented with the facts. Many of Barclaycards so called agreements are "crap". They won't listen. I am still fighting them!

[cymruambyth]

Re: Spud v MKDP ( Barclaycard) - LBA Received

You seem to have everything under control, but I have alerted the site team to keep an eye on your thread. Fingers crossed for you.

[Spud]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Thanks all, I will keep you all posted on any developments

I will get my Diary pasted up later today

[Undercover Elsa]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Hi Spud,
We're keeping our eye on you!

I'm sure you already know, but just in case, the Formal LBA Response template is here: http://forums.all-about-debt.co.uk/s...l=1#post485412

Elsa xx

[Spud]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Hi Spud,
We're keeping our eye on you!

I'm sure you already know, but just in case, the Formal LBA Response template is here: http://forums.all-about-debt.co.uk/s...l=1#post485412

Elsa xx

Thanks Elsa x

[MrsD]

Re: Spud v MKDP ( Barclaycard) - LBA Received

chin up Spud, just get everything off right away, they can be stopped, you just have to keep on top of them, if there is an outstanding CCA from only a month ago, I would just remind them of that one, because if they are in default of that, they should not be issuing papers.

You don't have any admissions from Barclaycard that they can't find the paperwork have you? I have stopped these numpties with those kind of letters so well worth having a goo rummage through, sometimes the vital paragraph is hidden away at the end of a letter.

xx

[Spud]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Thanks Mrs D

MKDP have replied to my CCA after about a year but it was the usual Barclaycard crap response of a blank piece of paper with the "your rights" box printed on it - literally that is all it is, not even the application form..... ( Im guessing that will be the agreement then!!!) and some terms and conditions that you cannot even read ( Typical Barclaycard response)

MKDP have said that they have complied with my request in sending this drivel (As they always do) so in their eyes they are compliant !!!!

I will double check any letters though as you say for a cleverly worded or positioned paragraph - Thank you

[panther12]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Good luck Spud, yes I would get a sar sent off as you never know what's hidden that may help your case later on.

You can request another cca provided it's over a month since a last request was made.

(3)
Subsection (1) does not apply to—
(a)
an agreement under which no sum is, or will or may become, payable by the debtor, or
(b)
a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

[Pixie]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Good luck Spud, you seem to be on top of this but MKDP are trigger happy x

[Spud]

Re: Spud v MKDP ( Barclaycard) - LBA Received

Thanks Both

I have just checked the file, Im ok for time so MKDP can have another CCA request now that they are getting heavy

SRA done, CCA now and off to the Post Office in a few mins

[nanna58]

Re: Spud v MKDP ( Barclaycard) - LBA Received

All the luck Spud x

[Spud]

Re: Spud v MKDP ( Barclaycard) - LBA Received

BarclaycardMastercard

Start: 2001
Balance:£8000
LastFull Payment:Nov 2011
Present:Not making Payments– last Feb 2013
Status:Defaulted. Sold to MKDP - LBA

2012

Jan20th
Change of Circumstances letter sent
Feb8th
Letter received agreeing to token Payments
Feb22nd
Further contact letter sent – Thankyou for Token payments ect
April8th
Mercers- Default notice Received
April10th
Mercers– Immediate action needed – Threat of Doorstep Collector
April18th
ResolvecallIntroduction letter
April21st
Replyto Resolvecall – Prove it letter
April27th
Mercers– 48 hours notice of doorstep collector
May4th
Resolvecall– No longer dealing with account
June6th
Mercers- £1.00 Token payment offer letter
August8th
Phonecallasking to confirm address – We’ve got a parcel to deliver -Capquest
August9th
Capquest– Doorstep visit threat o gram letter
August24th
Capquest– Letter before action letter threatening Bailiffs ect
Sept8th
Capquest– Letter confirming no interest or fees added to account
NODATE ON LETTER
HLLegal – Court proceedings May be taken letter
Sept23rd
Capquest– Apparent we need to start litigation/ Reduced offer letter

2013Feb11th
CCA request sent to Barclays
Feb7th
Capquest - Please contact us letter received
Feb20th
Capquest - Falsley claim that I had acknowledged to pay £1PCM - I did not
Feb 24th
Barclaycard - CCA (Recon Received)Niddy says U/E
March 8th
Barclaycard - Have sent a copy oforiginal Application - Totally U/E
Aug 21st
Barclaycard -Account passed to APEX for collection
Aug 28th
APEX Welcomeletter received
Sept2nd
Prove it letter sent to APEX
Sept7th
Apex - Explination letter received
Sept 30th
Apex -Please contact us letter
Nov 18th
Apex - Please contact usletter
Nov25th
Sold in dispute letter sent to APEX
Nov29th
Thank you for your letter dated 25th Nov - If you want a copyof your CCA send £1 payment ??????
Dec 7th
Letter from Apex -Our enquiries show that you are resident at this address - They onlyhad to ask !!!

2014

Jan4th
Letter from Apex - We are authorised to concider a discountedsettlement - Contact us
Feb10th
Letter to Apex - This account is in dispute letter sent
Feb26th
Letter from Barclaycard and MKDP ( Sent together from MKDP) -This account has been sold to MKDP LLP - You need to contact us torepay this debt
Mar 7^th
Letterfrom MKRR – We have not received your offer of Repayment
Mar 10^th
Letter to MKRR – Prove it letter
Mar16th
Letter from MKDP – Informing me that they are the new owners of the account
Mar 22^nd
Letter from MKRR – We have not received your offer or Repayment
Mar 24^th
Letter to MKDP – Harassment issues and not convinced by your letter of assignment which was a poor photocopy – I am concerned it may be fraudulent
Mar 26^th
Letterto MKDP – CCA request sent
Mar 27^th
Letterto MKDP – Official complaint – Harassment/ 2 x DCA's chasing thesame account ect
April 9^th
Letter from MKDP – Unable to fulfil CCA request at this time
May 13^th
Letter from Barclaycard – What they claim to be a CCA reply – Blank paper with an incorrect address and “right to cancel box” –Thats it!
May 15^th
Letter from MKDP – Barclaycard should have sent you a copy of the notice of assignment – Also sent me some old statements?
May20th
Letter to MKDP – Account sold in dispute
May21^st
Letter from MKDP – Unable to fulfil CCA request at this time
June18^th
Letter from MKDP – Unable to fulfil CCA request at thus time
July24^th
Letter from MKDP – Unable to fulfil CCA request at this time
Aug26^th
Letter from MKDP – Unable to fulfil CCA request at this time
October2^nd
Letter from MKDP – Unable to fulfil CCA request at this time
Nov4^th
Letter from MKDP – Unable to fulfil CCA request at this time
Dec13^th
Letter from MKDP – Unable to fulfil CCA request at this time


2015


Jan19^th
Letter from MKDP – Unable to fulfil CCA request at this time
Feb23^rd
Annual statement of account from MKDP
Feb26^th
Letter from MKDP – Unable to fulfil CCA request at this time
Apr2^nd
Letter from MKDP – Unable to fulfil CCA request at this time
Apr7^th
Letter from MKDP – Reply to my CCA request – Right to cancel box on an A4 sheet and illegible terms and some old statements
Apr13^th
Letter to MKDP – Not complied with my CCA request, Illegible documents received
Apr23rd
Letter from MKRR – We have not received your offer of repayment despite our offer of help – What help?
May6^th
Letter to MKRR – Querying the content of their letter where they state that they have offered me help to clear the balance.
May14^th
Letter from MKRR – Final Notice – You have not taken up our offer of help ???????
May15^th
Letter from MKDP – Send a copy of a letter from a year ago which apparently offers me help by saying they may accept installments ????
May15^th
Letter to MKRR – I note your threat of litigation in your final notice however CCA request has not been satisfied
May23^rd
Letter from MKDP – Response to my recent letters, We are of the opinion that we have complied with the CCA request and you are liable for the outstanding balance – Copy docs enclosed
May29^th
Letter from MKRR – We have not received your offer of Repayment – We have no option other than to instruct Keynes Collections.....A blatant lie as they were well aware CCA not complied with ect
May31^st
Letter to MKRR – Pointing out their blatant lie, They have not addressedany of the points that I have raised with them. Failure to satisfyCCA request, Not allowing any time to meet their impossible 7 daydeadlines due to delays in postage not giving opportunity to respond,harassment and feelings of distress ect ect
June4^th
Letter from MKDP – Notice of intended legal action – Reply within 14days
June5^th
Letter to MKDP – CCA request sent
June5^th
Letter to Barclaycard – SAR Request sent

[PlanB]

Re: Spud v MKDP ( Barclaycard) - LBA Received

I came home today to a lovely letter from MKDP headed “ Notice of Intended Legal Action”- Basically it explains that they have instructed Keynes Collections and it is a formal Letter Before Action giving me 14 days from the date of the letter to pay up or legal action to recover the balance MAY be taken without further notice.

Is it a formal Letter Before Action or is that your interpretation of the letter?

Email me the letter you've received using planB@all-about-debt.co.uk

Was it from MKDP, or MKRR, or Ravens Recoveries, or Keynes Collections? They're all part of the Compello Group escalation process.

What is the date on the letter?

[Spud]

Re: Spud v MKDP ( Barclaycard) - LBA Received

I will email it across in a little while for you to see.