The SaltnVinegar UE Diary

[PlanB]

Re: The SaltnVinegar UE Diary

MKRR did call my mobile today so suspect will get the next nasty letter soon.

And MKRR will get a nasty letter back from you too since they are bang out of order with this latest development

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

SnV did we ever do anything about the other info being received? I really can't remember.... lol

Hello mate - not your dodgy memory - just haven't got round to scanning in the documents and sending them to you yet, lots of things going on. Will ping them over to you and let you know when I do.

MKRR did call my mobile today so suspect will get the next nasty letter soon.

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

SnV did we ever do anything about the other info being received? I really can't remember.... lol

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Just wanted to pop in and say i've got my fingers crossed for you on this one SnV

Thanks SA

[SA Gold]

Re: The SaltnVinegar UE Diary

Just wanted to pop in and say i've got my fingers crossed for you on this one SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

How much do you owe mate?

We can try and help get it written off -

I did it recently for another user, I think it was in merchant rentals but we've done it maybe 5-6 times to date - it's a great bargaining chip

Gimme a shout if you need help with that mate, you get one chance to kill it at this stage so don't rush in....

Thanks Niddy. Its for £2.5k. I did recall another thread somewhere with similar circumstances, just couldn't find it

[CleverClogs (RIP)]

Re: The SaltnVinegar UE Diary

How much do you owe mate?

And how much does the other person owe?

Could you offer to get their debt written off too, for 5% of their debt?

[Never-In-Doubt]

Re: The SaltnVinegar UE Diary

Hi Everyone

Ok MKDP have finally got round to sending me a reconstituted copy of the alleged CCA. Except I think they are on extremely dodgy ground here as they have sent me TWO copies, one that has my address on it, another that has the details of someone with the same surname as me but a completely different address.

The copies of statements that they sent me also have a different address on from that which I've lived the last 8 years.

So this begs the question - how can an accurate reconstitution of an agreement be made?

Do I have grounds to dispute this on the fact?

Best
SnV

How much do you owe mate?

We can try and help get it written off -

I did it recently for another user, I think it was in merchant rentals but we've done it maybe 5-6 times to date - it's a great bargaining chip

Gimme a shout if you need help with that mate, you get one chance to kill it at this stage so don't rush in....

[CleverClogs (RIP)]

Re: The SaltnVinegar UE Diary

First of all, if there is no trace of this alleged debt on your credit reference agency files, it is either someone else's debt which those numpties have concluded was incurred by you just because you have the same surname, or it is over six years old and may thus be time barred by section 5 (link) of the Limitation Act 1980.

Ok MKDP have finally got round to sending me a reconstituted copy of the alleged CCA. Except I think they are on extremely dodgy ground here as they have sent me TWO copies, one that has my address on it, another that has the details of someone with the same surname as me but a completely different address.

Does this other person have the same given name or initial as you?

The copies of statements that they sent me also have a different address on from that which I've lived the last 8 years.

Is it the same address as that given on either of the alleged twue copies of the agreement?

Have you ever resided at that address?

So this begs the question - how can an accurate reconstitution of an agreement be made?

It has to state the nsne of the alleged debtor and the address at which they resided at the time the agreement was made; if you have never lived there or if they've got your name wrong, then they've cocked it up completely.

Do I have grounds to dispute this on the fact?

I'd say so, but I do doubt that you'd really have enough there to ask the Court of Protection to get the jerk at MKDR certified as a loony.

I''d not bother about sending them a template letter, as the FCA rules appear to be rather stricter than the "guidance" from the Office of Faffing and Twaddling, and any letter sent to MKDR should reflect the fact that they do not seem to have the least idea or proof that you did incur the debt.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Bump

Any ideas on this? If memory serves I remember seeing a template letter to send if a CCA had wrong address/name on it (or was this a Niddy special?) but can't find it now.

Am I showing my hand too early by pointing out that both CCA and statements have an incorrect address on them?

Cheers
SnV

Hi Everyone

Ok MKDP have finally got round to sending me a reconstituted copy of the alleged CCA. Except I think they are on extremely dodgy ground here as they have sent me TWO copies, one that has my address on it, another that has the details of someone with the same surname as me but a completely different address.

The copies of statements that they sent me also have a different address on from that which I've lived the last 8 years.

So this begs the question - how can an accurate reconstitution of an agreement be made?

Do I have grounds to dispute this on the fact?

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent
3/6/2014 - Letter from MKDP - unable to resolve my query
11/6/2014 - Letter from MKDP - Reconstituted credit agreement sent

Hi Everyone

Ok MKDP have finally got round to sending me a reconstituted copy of the alleged CCA. Except I think they are on extremely dodgy ground here as they have sent me TWO copies, one that has my address on it, another that has the details of someone with the same surname as me but a completely different address.

The copies of statements that they sent me also have a different address on from that which I've lived the last 8 years.

So this begs the question - how can an accurate reconstitution of an agreement be made?

Do I have grounds to dispute this on the fact?

Best
SnV

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Quick Quid:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Default recorded with CRA's but no DN received.
  
  
• Account owner - Quickquid
  

Key:
Blue - Communication Sent
Red - Communication Received

[cont..........see original post for all detail!]........

25/4/2014 - Email from QQ - Account sold to BCW/Gothia Group
16/5/2014 - NoA from bcwgroup
20/5/2014 - Email from Gothia with an 'online offer'
23/5/2014 - Email from Gothia with an 'online offer'
27/5/2014 - Email from Gothia with an 'online offer'
29/5/2014 - Email from Gothia with an 'online offer'
11/6/2014 - Letter from BCW Group

Hi All

Letter received from BCW Group today. Apparently I have missed some great offers to settle my account. Apparently they are also confident that they have a solution which I may not have considered myself.

Well I have a solution which they may not have considered either! Don't think thats what they have in mind though!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent
3/6/2014 - Letter from MKDP - unable to resolve my query

Letter received from MKDP - they are unable to currently resolve my query. They are liaising with original creditor. They aim to work professionally and apologize for the delay blah blah

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client
3/6/2014 14:15 - Phone call from MKKR
4/6/2014 - CCA request sent

A CCA request will be going off tomorrow on this. Will be interesting to see what they come back with considering that on the majority of the statements that they have sent me is the wrong person!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Barclaycard:

• Type of account - Credit Card
  
  
• Date commenced - Unknown
  
  
• Approx balance - £2500 (allegedly)
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Neither
  
  
• Status - No CRA record, do not recognize alleged debt
  
  
• Account owner - MKKR

Key:
Blue - Communication Sent
Red - Communication Received

10/4/2014 - Text received from MKKR
11/4/2014 - Introduction letter received from MKKR
11/4/2014 - Prove it letter sent
16/5/2014 - Letter from MKKR with supposed account statements (which arrived after letter dated 25/5!)
22/4/2014 - Letter received from MKKR - we want to offer a payment plan blah blah
25/5/2014 - Letter from MKKR that they are unable to comply with my request - liaising with client

Ok this is an interesting one - so far no CCA has been produced, however all they have sent is a bunch of statements.

However............. most of the statements I have never received, this is because that the address that is on the statements is not mine, it is an address 100's of miles away. I'm thinking Barclaycard have screwed up big time with this one. Will be interesting to see what/if any CCA they send and what address details will be on it.

Whats the view on their chances with this - is having statements with the wrong address on it sufficient to challenge an agreement, balances etc?