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I’m starting this thread for reference purposes, just in case!
I’ve just had a Notice of Discontinuance dated 16th December from MKDP for a claim they issued in May 2012!
Brief history, reduced income in 2009 Barclaycard wouldn’t assist my OH so I didn’t bother approaching them for my CC and then found CAG!
The last payment I paid was 9th March 2010, however they nicked £230 quid from my deposit account on 28th April 2010, under the ‘offset’ rule (I kept forgetting to transfer the balance from it!) Not sure if this would affect the Statute Barred date?
Debt did the rounds with Mercers, Calders, Credit Solutions, Power2contact.
CCA requested May 10 – response was that Regulation 9 of the 1983 regulations states for accounts opened before 19th May 1985 such as yours, we can send a copy of your current executed credit agreement. I only received a copy of Barclaycard Conditions dated Oct 2008.
Mercers issued NOD 14th July 10, date to rectify 31st July. The default wasn’t registered on Noddle until January 2011. The account was never on my CRA but was added when MKDP got involved.
Assignment notice from BC April 2011 to MKDP, then received a letter from Chilvers & Strachan June 11 which was a ‘Notice of intended legal action’. The next letter from them was in Oct 11 which was a sort of LBA, saying that the account could proceed to Court if I didn’t contact them within 7 days.
Claim issued May 12 by MKDP, they acknowledged my defence which I’d done with assistance from CAG and enclosed copies of letters they’d sent before.
Nothing more heard until Nov 14, Raven Recoveries wrote to advise that they were no longer managing the account for MKDP and the account was now being managed by MK Rapid Recoveries.
Statement of Account received April 15.
Notice of Discontinuance Dec 15
I’ve just had a Notice of Discontinuance dated 16th December from MKDP for a claim they issued in May 2012!
Brief history, reduced income in 2009 Barclaycard wouldn’t assist my OH so I didn’t bother approaching them for my CC and then found CAG!
The last payment I paid was 9th March 2010, however they nicked £230 quid from my deposit account on 28th April 2010, under the ‘offset’ rule (I kept forgetting to transfer the balance from it!) Not sure if this would affect the Statute Barred date?
Debt did the rounds with Mercers, Calders, Credit Solutions, Power2contact.
CCA requested May 10 – response was that Regulation 9 of the 1983 regulations states for accounts opened before 19th May 1985 such as yours, we can send a copy of your current executed credit agreement. I only received a copy of Barclaycard Conditions dated Oct 2008.
Mercers issued NOD 14th July 10, date to rectify 31st July. The default wasn’t registered on Noddle until January 2011. The account was never on my CRA but was added when MKDP got involved.
Assignment notice from BC April 2011 to MKDP, then received a letter from Chilvers & Strachan June 11 which was a ‘Notice of intended legal action’. The next letter from them was in Oct 11 which was a sort of LBA, saying that the account could proceed to Court if I didn’t contact them within 7 days.
Claim issued May 12 by MKDP, they acknowledged my defence which I’d done with assistance from CAG and enclosed copies of letters they’d sent before.
Nothing more heard until Nov 14, Raven Recoveries wrote to advise that they were no longer managing the account for MKDP and the account was now being managed by MK Rapid Recoveries.
Statement of Account received April 15.
Notice of Discontinuance Dec 15
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