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  • Re: bobogosing's UE diary

    Since you've already got a letter from Barclays admiting the debt is unenforceable, why don't you attach a copy of that to your letter highlighting the relevant sentence.

    Your letter is saying that you have confirmation from Barclays that no agreement exists, but it's possible that Keynes won't know that unless they've been given a copy by MKDP (which I doubt) , so spell it out for them.

    Plan B x

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    • Re: bobogosing's UE diary

      Originally posted by PlanB View Post
      Since you've already got a letter from Barclays admiting the debt is unenforceable, why don't you attach a copy of that to your letter highlighting the relevant sentence.

      Your letter is saying that you have confirmation from Barclays that no agreement exists, but it's possible that Keynes won't know that unless they've been given a copy by MKDP (which I doubt) , so spell it out for them.

      Plan B x
      Thanks PlanB! Will attach a copy of the unenforceable letter from MKDP with Niddy's template to Keynes. Sending it on Tuesday via RD.
      Will update when I hear from them.....but hope I don't! :P

      bobo x
      Be kind, for everyone you meet is fighting a hard battle!

      Comment


      • Re: bobogosing's UE diary

        Originally posted by bobogosing View Post
        Will attach a copy of the unenforceable letter from MKDP with Niddy's template to Keynes.
        In case we've got crossed wires, I was referring to the letter from Barclays (not MKDP) dated 28th February 2014 in your post # 592

        I'm sure we're talking about the same one but I thought I should check.

        Plan B x

        Comment


        • Re: bobogosing's UE diary

          Originally posted by PlanB View Post
          In case we've got crossed wires, I was referring to the letter from Barclays (not MKDP) dated 28th February 2014 in your post # 592

          I'm sure we're talking about the same one but I thought I should check.

          Plan B x
          Sorry PlanB! Don't mean to be confusing. I have received unenforceable letter from both. Post #592 is from Barclays.
          Here's the one from MKDP. Didn't realise I have not posted it up. Sorry!!

          bobo x

          - - - Updated - - -

          sorry! Don't know how to straighten the 2nd letter
          Attached Files
          Be kind, for everyone you meet is fighting a hard battle!

          Comment


          • Re: bobogosing's UE diary

            Wowsa, that's the letter you need!

            The first two paragraphs on Page 2 make it clear that MKDP are fully aware that they cannot and therefore will not enforce the debt. It's there in black and white.

            Highlight those two paragraphs in yellow and the last paragraph on Page 1, and attach the whole letter to Niddy's letter (forget the Barclays' letter for now).

            Add a small paragraph into Niddy's letter after the one ending in "will not work" which says something like "Your client MKDP is also fully aware that this debt is unenforceable which they confirmed in writing to me on 20th May 2014 (see attached)".

            Lucky you to have that letter even if you never posted it on the forum. Something tells me you won't be hearing from Keynes again after this.

            Plan B x

            Comment


            • Re: bobogosing's UE diary

              Originally posted by bobogosing View Post
              I have received unenforceable letter from both. Post #592 is from Barclays.
              Here's the one from MKDP.
              If Keynes are silly enough to issue a court summons then that letter from Barclays and that letter from MKDP could be the two exhibits you'd attach to your application for a strike-out of the proceedings before they even get to first base

              Plan B x

              Comment


              • Re: bobogosing's UE diary

                Originally posted by PlanB View Post
                Wowsa, that's the letter you need!

                The first two paragraphs on Page 2 make it clear that MKDP are fully aware that they cannot and therefore will not enforce the debt. It's there in black and white.

                Highlight those two paragraphs in yellow and the last paragraph on Page 1, and attach the whole letter to Niddy's letter (forget the Barclays' letter for now).

                Add a small paragraph into Niddy's letter after the one ending in "will not work" which says something like "Your client MKDP is also fully aware that this debt is unenforceable which they confirmed in writing to me on 20th May 2014 (see attached)".

                Lucky you to have that letter even if you never posted it on the forum. Something tells me you won't be hearing from Keynes again after this.

                Plan B x
                Yay! Thank you PlanB.

                Will do what what you advised and send with Niddy's template to Keynes tomorrow.

                bobo x
                Be kind, for everyone you meet is fighting a hard battle!

                Comment


                • Re: bobogosing's UE diary

                  Originally posted by bobogosing View Post
                  Yay! Thank you PlanB.

                  Will do what what you advised and send with Niddy's template to Keynes tomorrow.

                  bobo x
                  Good luck.

                  Thanks planB - let's hope they do the right thing for once!
                  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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                  • Re: bobogosing's UE diary

                    Originally posted by bobogosing View Post
                    BARCLAYCARD (Mr bobo's)

                    Started : 06/03
                    Balance : 4406
                    date last paid (full amount):14/09/10
                    Status: In arrears
                    send CCA and Niddy confirmed :UE
                    Received Final Response letter from Barclay.
                    13/1/11 Emailed to Niddy. For Niddy's response see post#90
                    Received letter from Calder Financial dated 14/3/11. Emailing it to Niddy for advise(22/4/11)
                    6/6/11 sent Debtors Final Response - CCA Received as Niddy advised
                    24/1/14
                    Received letter from MK Rapid Recoveries
                    26/1/14 Sent CCA
                    3/3/14 Received letter & tc from Barclay dated 28/2/14
                    Received "Notice of intended legal action" letter from Keynes Collections dated 26/3/15.
                    6/4/15 Sent Niddy's template (#689) together with Plan B's advise #695 to Keynes and MKDP
                    Received reply/letter from MKDP dated 10/4/15 #699


                    Hi all,

                    I have received reply from MKDP.

                    I definitely will file this away very safe

                    Thank you Niddy and Plan B. I know they won't stop chasing but at least they cannot do anything legally.

                    bobo x
                    Attached Files
                    Be kind, for everyone you meet is fighting a hard battle!

                    Comment


                    • Re: bobogosing's UE diary

                      Brilliant! Let's hope they never manage to find it and yes, keep that letter very safe
                      Let your smile change the world but don't let the world change your smile


                      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


                      • Re: bobogosing's UE diary

                        Originally posted by Pixie View Post
                        Brilliant! Let's hope they never manage to find it and yes, keep that letter very safe
                        Thank you Pixie!

                        bobo x
                        Be kind, for everyone you meet is fighting a hard battle!

                        Comment


                        • Re: bobogosing's UE diary

                          Well done bobo from me too.......I love good news on AAD, makes my day

                          Best wishes
                          IF
                          "If wishes were horses, beggars would ride"

                          Comment


                          • Re: bobogosing's UE diary

                            Wonderful x
                            if you do it today and you like it you can always do it again tomorrow


                            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


                            • Re: bobogosing's UE diary

                              Originally posted by bobogosing View Post
                              Hi all,

                              I have received reply from MKDP.

                              I definitely will file this away very safe

                              Thank you Niddy and Plan B. I know they won't stop chasing but at least they cannot do anything legally.

                              bobo x
                              Result. Well done.
                              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

                              Comment


                              • Re: bobogosing's UE diary

                                Originally posted by bobogosing View Post
                                I have received reply from MKDP.
                                I definitely will file this away very safe

                                Thank you Niddy and Plan B. I know they won't stop chasing but at least they cannot do anything legally.
                                Great news

                                Don't you just hate it when a debt collector threatens court proceedings via their legal team and then backtracks by saying the letter was "sent in error". No it wasn't. They sent it deliberately to scare you into paying them money which they know full well they cannot lawfully recover in court.

                                I predict that they will stop chasing you since MKDP don't outsource their collections to a third party.

                                Plan B x

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