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  • #511
    Re: Starting out

    what they haven't said is they must take you to court first and win before they can do anything.
    I would wait for Keynes to contact you and see what their letter says but others may know better x
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #512
      Re: Starting out

      Have you sent your CCA request? If not send it off ASAP.
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #513
        Re: Starting out

        Originally posted by Sosad View Post
        Hiya received a letter today from MK rapid recoveries (Barclaycard) stating " they are now referring this account to Keynes Collections, they may commence litigation ,they could take a charge against your property ( if you are a homeowner ) or have monies deducted from you salary (if you are employed)


        I haven't sent a CCA to MKPD yet ,should I still send it ?

        Thank you
        Sosadxx
        Originally posted by cymruambyth View Post
        Have you sent your CCA request? If not send it off ASAP.
        Yep....That's what I'd do..........
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #514
          Re: Starting out

          Hi and thank you for your replies ,much appreciated .

          Now do I send myCCA to Barclaycard ,MkPD or MK rapid recoveries??

          Thank you
          Sosad xx

          Comment

          • #515
            Re: Starting out

            Originally posted by Sosad View Post
            Hi and thank you for your replies ,much appreciated .

            Now do I send myCCA to Barclaycard ,MkPD or MK rapid recoveries??

            Thank you
            Sosad xx
            The last people who contacted you........
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #516
              Re: Starting out

              Hi Niddy
              I've sent you a Barclaycard CCA to you ,I really would appreciate you having a look at it
              Thank you
              Sosad x

              Comment

              • #517
                Re: Starting out

                Hi and thank you Niddy for taking the time to go over the CCA, I'll send that letter off today

                Sosad xx

                Comment

                • #518
                  Re: Starting out

                  Hi Niddy


                  RE:letter threatening court action

                  What would be my next best step,is there any template letter I could send?? I have been reading the thread you sent me ,but I'm beginning to panic . (nothing new there !!) I like the creditor to feel I'm keeping in touch with them ,as it will look favourable if I have to go to court ,gulp!!!

                  Amy suggestions would be gratefully appreciated

                  Sosadxx

                  Comment

                  • #519
                    Re: Starting out

                    Originally posted by Sosad View Post
                    Hi Niddy


                    RE:letter threatening court action

                    What would be my next best step,is there any template letter I could send?? I have been reading the thread you sent me ,but I'm beginning to panic . (nothing new there !!) I like the creditor to feel I'm keeping in touch with them ,as it will look favourable if I have to go to court ,gulp!!!

                    Amy suggestions would be gratefully appreciated

                    Sosadxx
                    What did it say ? May or Will ? Who was it from ? Bit more info please .......
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #520
                      Re: Starting out

                      Hi Deepie
                      The letter is from Keynes Collection Acting for. MKDP at the top of the letter it says " notice of intended legal action" ,goes on to say must pay full amount, also talks about Practice Direction - Pre Action Conduct of the Civil Procedure Rules .You attention is drawn to Paragraph 4 of Annex A. does state that require full payment or suitable payment plan gives me 14 days to respond .They also state that"this letter contains matters of legal significance and I should therefore take independent legal advice.

                      I have emailed letter to Niddy he directed me to LBA thread and told me to " sit tight" I am beginning to panic ,not that I don't have faith in you guys ,that's my nature

                      Thank you for responding Deepie
                      Sosadxx




                      Ps forgot to say there was a couple of "mays"

                      Comment

                      • #521
                        Re: Starting out

                        Originally posted by Sosad View Post
                        Hi Deepie
                        The letter is from Keynes Collection Acting for. MKDP at the top of the letter it says " notice of intended legal action" ,goes on to say must pay full amount, also talks about Practice Direction - Pre Action Conduct of the Civil Procedure Rules .You attention is drawn to Paragraph 4 of Annex A. does state that require full payment or suitable payment plan gives me 14 days to respond .They also state that"this letter contains matters of legal significance and I should therefore take independent legal advice.

                        I have emailed letter to Niddy he directed me to LBA thread and told me to " sit tight" I am beginning to panic ,not that I don't have faith in you guys ,that's my nature

                        Thank you for responding Deepie
                        Sosadxx
                        OK do just that ...I'll give Niddy a little nudge....
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #522
                          Re: Starting out

                          Thanks for your really quick response Deepie.

                          Sosadxx

                          Comment

                          • #523
                            Re: Starting out

                            Read this --> http://forums.all-about-debt.co.uk/s...884#post360884
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                            • #524
                              Re: Starting out

                              Join the club. MKDP seem to have done a bulk purchase recently, just sit tight and follow the advice given from the site. Don't panic.

                              Comment

                              • #525
                                Re: Starting out

                                Hi Enforcer,

                                Thank you for your words of encouragement ,I will follow the advice given , but I don't know about the "don't panic" part but I will try

                                Take care
                                Sosadxxx

                                Comment

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