Oh didn't know anything with the loans from that time. What happened? I will await for them to send something. At the moment im just continuing to keep blocking them.

Is there a chance they might try it with a claim form through the courts even though they know they cant produce a copy of the original agreement?

Just to update over this. MKDP came back with a big envelope with a main letter stating that they are unable to get a copy of the original signed agreement. So they included a copy of the terms and conditions. I mean they must of had 2 trees cut down because 47 pages of paper were sent out with the T&C's on them. Also included was some accounts showing payments. Last payment made by me was in 2013 by Standing Order and there is a further payment for £8.23 which is stated to have been paid manually by GIRO in 2014. However i did not make this payment whatsoever. I dont even know where this money would have come from. Would it have come from a dormant account? I dont even hold any accounts with HSBC anymore as these were closed. Apart from this they also sent me a letter sending back my £1 postal order as they couldn't find my agreement and since then have been constantly phoning me and now texting me, asking me to make contact with them. What is the process going forward now? Im still no further forward in what is actually owed. They could only provide accounts going so far and they don't even have an agreement so how can they even prove i owe this sum they claim is outstanding?

Checked on the MCOL website and no surprises it hasn't been updated yet and i also phoned the court and they said nothing has come through as of yet. She said for me to keep hold of the letter which i got from BC which i certainly intend on doing so and maybe their system will update over the next few days. The letter i received from BC was dated the 9th April BTW.

Yep i will do. Many thanks

MKDP wrote back to me stating that they are unable to find the original documents and as they wish to deal with this in a professional manner blah blah blah, they are liaising with the original creditor to locate these documents for me. They will get in contact with me once they have them they bought this debt with no paper work is what they are saying? So they don't know what it is i owe?

Just thought i would update that i got a letter from Bryan Carter who have enclosed a Notice of Discontinuance on this case. Is there anything else i need to do with this now?

Ok i was just getting slightly worried as i seen on the legal section where MKDP have been issuing out claims and i was concerned they may do the same with myself.

Looking for some advice around this one. Once i have sent this company a CCA request, could they still press on ahead with a court claim? Would it be worth me contacting Keynes to inform them that i have sent a CCA request and to put the account in dispute/hold?

I will get a letter sent off to MKDP soon as possible. The last payment I would have made to anyone would have been back in 2012 around June time. Also just today I got a text measage from Keynes where they are asking me to call them. I think they may have tried calling me a few times but I just blocked the number.

Hi DX, I have just been having a look and from what i can see the arrangement i previously had was in place with a DCA called Metropolitan Debt Collection which from looking i can see is part of HSBC but make out they are separate. So the fool of me to believe they were nothing to with HSBC. i got ill in around 2012 and Metro aka HSBC weren't willing to negotiate with me a repayment plan which i could realistically afford. Still to this day in all honesty i couldn't afford the amounts they would want from me. Looking through my letters i found a letter which i got from MKDP at the end of Feb 2015 in which they state as per previous correspondence (dont recall any) the account has been assigned to MKDP LLP who are now the legal owners of the debt (but never bothered to send me any relevant paperwork) You have recently made a payment to HSBC (No!! I havent!!) and we are writing to advise that any further payments blah blah blah and they then include a DD mandate form and expenditure form and complimentary prepaid envelope. So from this who would you advise i send the CCA too? Should i send this off to MKDP seeing how they are telling me they now legally own this debt? I mean they havent even given any date from which they took over this debt. And the claim i recently made a payment to HSBC

Unsure what you mean?

I had an arrangement on and this would have been with a DCA (cannot be specifically sure the DCA was MK Recoveries) The default R.E. this loan has since dropped off my credit file and no longer shows. I havent made a direct payment to HSBC within 6yrs .

I haven't sent a CCA request

From what i understand the debt has been assigned to MK Debt Recoveries or one of their many alias. I imagine they have bought the debt? Never received any paperwork but when do you ever?

It was for a Personal Loan which was initially taken out with HSBC back in 2001. Amount is for around £3k which is claimed to be outstanding.

I have heard of MKDP but cant say i have ever heard of Compello Group other then from what ive have been reading through these forums. What steps should i take with these?

Good evening, I was hoping i could get some advice regarding a debt which is with MK Recoveries. I got a letter through the post today from Keynes Collections which stated the following "This letter is made in accordance with the Practice Direction - Pre Action Conduct of the Civil Procedure Rules. Your attention is drawn to Paragraph 4 of Annex A of the Practice Direction concerning the court's power to impose sanctions for failure to comply with the Practice Direction" They are asking that i make contact with MK and sort out payment or an arrangement before action is taken. I would take a good guess that i made a previous payment before as in means of an arrangement. Whether it was with this outfit, i cant be 100% sure.

Would the court not have informed me of this? When i spoke with them back in December they said to me that the claim would be stayed. I asked how would i go about getting this lifted and they mentioned that i would need to get a form and it would cost for me to get the claim lifted. I want to get Carters and Lowells off once and for all. Would now be a good time for put in for a £10 all that have on me letter into Lowells?

Morning everyone. Looking for a bit of advice. Doesnt look like Carter have done anything thing ever since i put in my defence. I phoned the court back in December asking if they had any update as i haven't heard anything. They also said they haven't received any acknowledgement back from Carters and they had until certain date to respond and if it, it would be placed as a stay. I have looked on MCOL but that last notification on there is when i filed my defence. Ive not even had any letter from the court which TBH i was waiting for so it could be acknowledged this was proceeding....well for now anyway. What should i do now? Should i phone the court tomorrow? Is it normal practice for them to send a letter out if nothing is heard back from a claimant?

Just another quick update i received a letter from the court on the 3rd November saying that they acknowledged receipt of my defence and a copy was being served on the claimant/claimants solicitor and that they may contact me directly to resolve and dispute. It goes on to say that if the claimant wishes to proceed they must inform the court and the court will then inform me. And where they wish to proceed the claimant must contact the court with 28 days after receiving a copy of my defence. I expect you get the general idea of this letter.

Just an update that i put in my defence on the 31st. Haven't been able to get on as i haven't been to well. Hopefully hear some news soon.

Sorry im confused. Should i send of an SAR to Lowell or amend the defence to include about it being statute barred?

Ah I get you Would it be a case of me adding an extra statement to my existing defence about the statue barred or would a whole new defence need to be drafted up?

I wouldn't have made any payment to Creation Finance in the last 6yrs that i can be 100% sure on. If i send an SAR now i dont think im going to get anything back before this is up as they have 40 calendar days to respond i see and they havent even sent a letter to acknowledge receipt of my CCA request which they signed for on the 15th.