bobogosing's UE diary

[PlanB]

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

[bobogosing]

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

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

[PlanB]

Re: bobogosing's UE diary

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

[bobogosing]

Re: bobogosing's UE diary

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

[PlanB]

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

[PlanB]

Re: bobogosing's UE diary

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

[bobogosing]

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

Yay! Thank you PlanB.

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

bobo x

[Never-In-Doubt]

Re: bobogosing's UE diary

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!

[bobogosing]

Re: bobogosing's UE diary

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

[Pixie]

Re: bobogosing's UE diary

Brilliant! Let's hope they never manage to find it and yes, keep that letter very safe

[bobogosing]

Re: bobogosing's UE diary

Brilliant! Let's hope they never manage to find it and yes, keep that letter very safe

Thank you Pixie!

bobo x

[IF]

Re: bobogosing's UE diary

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

Best wishes
IF

[nanna58]

Re: bobogosing's UE diary

Wonderful x

[Never-In-Doubt]

Re: bobogosing's UE diary

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.

[PlanB]

Re: bobogosing's UE diary

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