Hi, Not sure where to start so I will start with the obvious. I am defending myself against MKDP LLP for a Barclaycard debt they say is mine. This all started two years ago when I started receiving Barclaycard letters saying I had missed payments, I rang them and was told the same even when I was able to demonstrate that I had been paying my account (mins only) eventually I recieved letters and phone calls from Robinson Way who seemed to want to help and suggested I paid them £100 a month until they could resolve the matter for me. 6 months later and I was no further on, except I was now receiving threatening letters from Raven. I stop the direct debit to RW and found this fantastic forum and your great template letters. What followed was requests for CCA and SAR with the appropriate fees asking not to be used against alleged debt ect. The following agencies having ALL continued chasing this debt with differing amounts on most occasions. (Apex, Robinson Way, RMA and MKDP LLP) the amounts differ from £6,805.32 to 8,847.14. MKDP LLP court documents claiming £9,257.14 (C/Fee £410) Needless to say my CCA requests and SAR requests went unanswered except for one communiction with Apex which acknowledged receipt of my communication and stated "Please advise the customer that copies of applications are only available for legal reasons, we now require confirmation of this" here I am with Papers served returned acknowledgment of service with the 28th June as deadline for defence. I have used a template letter from here informing MKDP LLP that I intend defending the whole claim and requesting CPR 31.14. This was sent special delivery on the 29th May. To date I have not even received an acknowledgement yet alone anything under my request. My question is this: How do I draft a credable defence using the fine examples on this forum without looking like a complete numpty quoting legal terms out of context and manage to cheese off the District Judge before I have my day in court (assuming it goes that far) For information MKDP Claims: The claimant claims the sum of £8,847.14 being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and Barclaycard. The Defendant's account was XXXXXXXXXX and was assigned to the claimant on 22/6/2012. Notice of this has been provided to the defendant. The defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served persuant to the Consumer Credit Act 1974. The Claimant claims the sum of £8,847.14 and costs. The Claimant has compiled as is necessary, with the pre-action conduct practice direction. I am still recieving letters from Apex and letters from MKDP LLP "to avoid court action, blah, blah" Sorry for the lenghty post K

I have received a letter today Dated the 10th of march. Claiming that I have "failed to make repayments as ordered by county court judgement" and stating that i am now " in arrears with the order in the sum of £***.**" I have been given instructions to make payment immediately to bring the CCJ order up to date and prevent further enforcement action being taken against me. they have given me this web URL www dot bryancartersolicitors dot co dot uk and this phone number 08458396157 Apparently their client has instructed for them to take further enforcement action if i do not pay the arrears or contact them within 7 days . They have then listed what this enforcement action may include; Warrant of control, Attachment of earnings, Charging Order, Order to Attend court for questioning. Their client is apparently Lowell financial limited The brand/ product is Vodafone I can provide the account number if needed and the claim number also. They have also given me a reference number. Any advice would be greatly appreciated as I'm very naive with this sort of thing and want to get as clued up as possible before throwing the book back at them so to speak. What should be my first actions and who should I contact as this is the first I have heard that i owe anybody any money and have read some reviews on these people and none of it has been good? Thank you in advance. Al

Hi folks, I got a Northampton claim form through a little while ago which I responded to with a CPR 3.14 to the solicitors and put in a no agreement defence. They sent a back-dated letter to say they would need to request the documents and would put any action on hold. They didn't and still haven't responded with any documentation. I don't have a CCA for this account, nor even a statement of account. The claim got transferred to my local court (Oxford) and the latest from the court is a general form of judgement or order. The order is that "The claimant must file and serve a copy of the agreement and a statement of account showing how the amount as accrued by xxx on xx September 2014. The defendant must send to the Court and to the Claimant's Solicitors a Defence to the Claim by xxx on xx October 2014." the date for their half of this order has come and gone and I've had nothing. At the moment my defence can only be that there is no agreement since no agreement has been produced. I'm assuming they should have sent it to me as well as the court? This is a CC claim from a card that was taken out many years ago - around 2000 I think. It's in the small claims court. At no point since I disputed the account back in 2010 has anyone attempted to produce a copy of the CCA. Anyone have any advice on what I should be doing here? I have a feeling if the claimant hasn't responded to the court order they are going to lose by default when I put my defence in.

Hi there Very new here and hoping someone can give me some advice on a claim I've received for a Welcome Finance debt. Particulars The claimant claims the sum of xxxxx being monies due from the defendant Welcome Finance Ltd under a loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on xxxxxx. Notice of assignment has been provided to the Defendant. The Defendants loan account number was xxxxx. The defendant has failed to make payments in accordance with the terms of the loan agreement. A default notice has been served pursuant to the Consumer Credit Act 1974 by Welcome Finance Ltd. The claimant has complied, as far as is necessary with the Pre-Action Conduct Practice Direction. Background I took the loan out in 2007, I think I probably stopped paying a year after that. I had lost my job at the time. I have no record or documents relating to this loan now, although I am pretty sure I agreed to PPI and there have been charges added to account. Loan amount was 2k, claim is for over 3k. Having looked at other threads, looks like I need to send a CPR 31.14 - do I send this to MKPD or Welcome? Any other requests that I need to make? I have another week to reply to the claim and I want to defend if I have grounds. Any help much appreciated!

To my dearest CAG friends, I hope you are all well. It has been a lifetime since I have been on here for advice. I have some very dear friends (Mr & Mrs W) who are in desperate need for some help. A DCA, MKDP LLP are chasing funds (of less than £1000) for a credit card balance. Reading through their paperwork (in my limited knowledge) Mr & Mrs W may not have followed the procedure correctly in replying back to court documents. Let me give you a brief overview. Debt was assigned from HSBC to MKDP LLP on 13 March 2013. Mr W requested a copy of the signed agreement from them. One year later (12 March 2014) an ineligible copy was finally sent through which was a copy of opening a bank account not a credit card. 29 May 2014 Claim form received from Northampton County Court Business Centre POC reads: The Claimant claims the sum of £xxx.90 being monies due from the Defendant(s) to HSBC Bank plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on 13/03/2013. The Defendant(s) account number was xxxxxxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The Defendant(s) has failed to make payment as required by the statutory default notice served by HSBC Bank plc. The Claimant claims the sum of £xxx.90 and costs. The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction. They did not complete the AoS instead they replied with a letter dated 14 June 2014 with the following: Dear Sir/Madam, With reference to the above, I can see that there is nothing for the Court to deal with as I have said that I would be happy to pay upon proof of the debt which MKDP LLP have failed to provide. 16 July 2014 Mr & Mrs W received Notice of Proposed Allocation to the Small Claims Track which said the following: TAKE NOTICE THAT 1. This is now a defended claim. 2.It appears that this case is suitable for allocation to the small claims track. If you believe that this track is not the appropriate track for the claim, you must complete box C1 on the Small Claims Direction Questionnaire (Form N180) and explain why. 3. You must by 4 August 2014 complete the Small Claims Directions Questionnaire (Form N180) and file it with the court office and serve copies on all other parties. 24 July 2014 Mr & Mrs W received from MKDP a copy of their Directions Questionnaire where they requested Settlement/Mediation. 6 August 2014 Mr W received a General Form of Judgment or Order They had failed to file the Directions Questionnaire with the courts. They duly completed one on the 13 August and hand delivered it to the Courts. 16 Sept 2014 Mr W received a phone call from the Mediation department. Mr W disputed the debt saying he was waiting for a copy of the credit card application. Mediation department said they would go back to MKDP to request said form. MKDP told the mediation department they were in possession of a document with a date stamp (1996) which did not require a signature from the bank. The conversation ended with a 'see you in court.' 26 Sept 2014 Mr & Mrs W received a Notice of Transfer of Proceedings stating to all parties, This claim has been transferred to the County Court hearing centre listed below for allocation. On receipt the file will be referred to a procedural judge who will allocate the claim to track and give case management directions. Details of the judges directions will be sent to you in a notice of allocation. 12 November 2014 Mr & Mrs W received a General Form of Judgment or Order stating: Before District Judge xx sitting at the County Court... UPON considering the file and there being nothing like a defence document filed IT IS ORDERED that:- 1.The defence is struck out 2. The Claimant may enter judgment forthwith without further order 3. Any party affected by this order may apply to have it set aside or varied or stayed such application must be made within seven days after the date when this order was served on the party applying. Dated 20 October 2014. Mr & Mrs W responded with a letter dated 19 November 2014 stating: With reference to the above judgment I am requesting this be set aside. The Notice of transfer Proceedings dated 24 Sept state that I should have received a notice of allocation, of this I have never received. It would appear from this last document that I should have submitted a defence document, this I was totally unaware of as this is the first time that I have been in this situation. Could the court advise if this situation could be resolved and if so what action is required of me at this point. 24 November 2014 Mr & Mrs W received a letter from the courts advising they need to complete a N244 form within 7 days which is where I am asking for help. I feel so sorry for them as they should have asked for help. From the mediation it has gone straight to judgement. As such, please could someone advise how we complete the N244 form to help them with their case. It must be completed asap. Thanks so much Big hugs x:)x

Morning Guys, In the post this morning I received a letter from Wilkin Chapman LLP (Arrow Team) with regard a CCJ taken out by Arrow in early 2010 (the claim number matches the one on my credit report although the amounts differ? CCJ £9266, AG/WC £8946.33). I am sure that this is an old CC debt. They have supplied a Notice of Change of Solicitor and a personal financial statement (which of course I will not be filling in). I am sure that I did not inform the OC of a change of address in 2008 (home repossessed), so no chance of a set aside. The debt itself is SB but I am aware that this means little with the CCJ. It does state though that "Our client is willing to discuss terms of repayment and consider proposals from you." My question is, can anything be done at this stage to fight the good fight? If not and without filling in the personal financial statement, what sort of full and final offer can I make to them that would satisfy their greed on the amount outstanding or a sensible monthly offer to clear the debt as quickly as possible? As always they require an answer with 7 days before going all enforcement on me. Any advice will be greatly appreciated. Cheers

Dear Sirs, We hope you can help us or direct us to someone who can. In November 2012, my girlfriend was driving and hit by the car behind. She was waiting at a give way junction but the driver in the car behind was not looking where he was going and drove straight into her car. We were contacted by Ai Claims Solutions, a claims management company. The letter we received stated: "Please do not enter into any correspondence or conversation with the other party. It is our responsibility to obtain payment of the charges from the third party insurance company." Subsequently, the third party insurance company, Quinn Insurance wrote-off our car and offered £1,139.25. We purchased the car just under a year ago for £3,800. It is a 2002, left hand drive, diesel Smart car and as it was not listed in the car guide, the insurance assessor estimated a value of £1,139.25. We disputed this as similar cars on AutoTrader and eBay at the time were selling at around £3,000. As a result, the assessor increased the value to £2,079 and we received a letter from Ai Claims to confirm this new amount. We received a cheque for £1,139.25 but after having chased the remainder of the balance, £939.75 via emails and phone calls, we felt we were getting nowhere and decided to pursue the matter through the small claims court. We pursued the matter with Ai Claims as they had been in correspondence with us and Quinn Insurance. A hearing was scheduled in January 2014. Unfortunately, during this time, my girlfriend was diagnosed with breast cancer and we did not attend the hearing. However, the case was thrown out of court as the judge ruled Ai Claims were not liable as they were not the insurance company. Ai Claims then sought the action of the court to order me to pay Ai Claims' legal costs. Thus, Ai Claims hired MTA Solicitors LLP to represent them. A letter was received from MTA Solicitors, Richard Barr stating "I have instructions not to pursue you for our client's legal costs should you withdraw or re-direct your claim" followed by an email "If by 4pm on Wednesday 19th February 2014 you have not notified me that you have discontinued your claim or applied to the court to substitute my client for Quinn Insurance, an application for Summary Judgment will be made, the cost of which I shall ask the court you be ordered to pay." On 7 February 2014 I sent an email to Mr Richard Barr to confirm that I would not be continuing with the claim against Ai Claims on the proviso that they will not be pursuing legal costs. At the same time, a letter was sent to Bristol County Court to advise them of this development. Therefore, in May I was shocked to receive a letter requesting payment of Ai Claims' legal costs totalling £4,459.32. We cannot believe our bad luck and feel we have not been treated fairly. Through no fault of our own, we have a car that has been written-off and a payment received for only a third of the car's value, plus we have been ordered to pay Ai Claims legal costs. This whole situation has arisen from the fact that Quinn Insurance have failed to pay the full claim and Ai Claims have failed to obtain the remainder of the claim. We have contacted our insurance company, Aviva who do not want to get involved and citizen's advice bureau who were unable to offer any advice. We cannot see an end to this. We would be so grateful for your advice or help so that we can put away this worry and stress. Thank you for your time and we hope that there is someone who can help us with this problem.

Hi People, just joined this site today as I need advice regarding the aforementioned firm. Late last year I started receiving text messages from a firm called Henderson International asking me to call them and quote the reference on their text message. I called and they wanted my personal details for verification. I declined and asked them to write to me. I didn't hear anything since. However, today I received a similar text from Bryan Carter Solicitors LLP with a reference number to quote. I called them and ironically their manner over the phone was very similar to that of Henderson International. They started off by asking me to confirm my name, DOB, tel no. etc. I refused to confirm my DOB until they told me what it was about. They said they could not until they verified my identify. They also said that they had written several letters to me, none of which I received....perhaps a very old address. I work in finance and have always maintained an impeccable credit record. I checked my Experience Report today which confirmed that there was nothing outstanding. I am perplexed as to why they are contacting me and it seriously concerns me. I am not sure how I should deal with this? Should I provide them with my personal details for verification to find out what it's all about? My concern is that if they are fraudulent they could use my information. Any advice would be much appreciated. Regards

HI. I have received a claim form, dated 17/3/14 from Shoosmiths LLP, acting for Arrow Global, who are trying to collect an old capital one credit card debt. I have already sent of a CPR31.14 request, after reading advice on these forums, and have completed the acknowledgement of service online. I am unsure of what I need to do next. I know I have a certain time limit to submit my defence, but I am a little unsure of what that defence should be. I have defaulted, and I have not made a payment since the first of February 2008. I am guessing the Claim has been issued now to avoid the debt becoming statute barred? I have also received a letter from Shoosmiths LLP, dated 25th March 2014, indicating their clients intention to request judgement against me on 5th April 2014. They have also given me an opportunity to make a lump sum payment to their client, to avoid court action. Any advice will be gratefully received!

Hi guys/girls im new to this so here goes, I had a loan with welcome finance that wasn't paid back, it was removed from my credit file in March 2014. i have just check my credit file again and it seems the same debt is on again as a default this time with MKDP LLP, i called them to see what was going on and they said i have made a payment of £15 in 2010 which i certainly didn't, so i asked them how it was made and to who, they told me they only have it down as a transfer,no bank details ect. so i called the credit agency and they said if i would of made this payment it would have to be reported to them and of this was the case why was it removed this year if i acknowledged the debt back in 2010?? it doesn't make sense and no one has any answers for me.

Just making sure that everything I have done is correct. hubby got a claim form this week with an issue date of 10th March. So far i've acknowledged and am defending the whole amount, have sent HSBC a CPR 31.14 and have SAR'd them. THE HISTORY Originally hubby had a credit card, got into difficulty paying it off but all payments made were on time. They called him into the bank and offered him a managed loan to pay it all off which he took. We got into financial difficulties so hubby stopped paying it, he has had loads of letters which he hasn't kept so I don't know what they have sent with regards to the CPR request but am going with it all. The managed loan was then put onto his bank account which he hadn't used for ages, this is years ago. Now some time in the last few years he got a tax refund which was paid into this account, we don't know when but the SAR will tell us. Apart from that the account just hasn't been touched at all for about 10 years or so. So I don't think that there is anything else I should do at present except wait.

Hoping someone can help with the above. I've just received a claim form from MKDP LLP for an old HSBC account. I defaulted over 3 years ago on an overdraft of £1000 and a credit card for £5000. To cut a long story short I ended up in serious financial difficulty and could not afford to continue repayments, and seeing as HSBC were the primary cause of these difficulties I wasn't going to prioritise repaying them. Having read a few threads regarding MKDP on here and seeing the quotes about them issuing these 'like confetti' in the hope of getting a CCJ by default, I'd appreciate any advice on how to go about defending the claim. The particulars of claim column only refers to a bank account facility (it lists the account number) and makes no mention of the credit card - the two debts were bundled together once I defaulted. So at face value it looks like they are claiming for an overdraft debt of over £6000 when the overdraft was only £1000 and the rest was a credit card debt. Should I request a statement showing how they have reached that figure? Or is this standard procedure, and if so should I go down the road of requesting a CCA? I'm surprised at their decision to pursue this course of action as any background checks would have indicated they are wasting their time. I have no income or assets and cannot claim anything because of my partner's income. Any advice would be most appreciated, thanks in advance.

Hello, I asked MKDP for a deed of assignment, the response back from them was to send a notice of assignment which has an incorrect outstanding balance on it. To be honest I suspect they copy/pasted and forgot to change the outstanding amount. Any suggestions where I go from here?

Hi hopefully someone can help me, and hopefully this is the right place for this. Many years ago I defaulted on a HSBC credit card and with discussions between HSBC and myself the payments I could afford they wouldn't agree to so the sent it to Moorcroft I believe, which was fine I explained my situation about being self employed and not having a set amount I can pay each week so they sent a man round to collect each fortnight whatever I had which suited me fine and I was happy with that, over time I had paid a bit off and all was fine HSBC (who I bank with) were happy as they kept a monitor on it. Then the collector stopped turning up and at the time I should have chased it but I was just starting a Partnership business and things were hectic and to be fair I forgot about it until this weekend when a CCJ filed by MKDP LLP turned up. Should I have been made aware that that the collections were stopping with Moorcroft? Should HSBC or MKDP have told me where the debt now lies? I have a copy of my Experian Report from March 2013 and none of this is on there, I now don't want to end up with a CCJ on there for the next 6 years, I am finally getting myself on track and building my credit score back up. any advice greatly appreciated, thanks (Note to a mod - I posted this in the Debt Management Companies by mistake if that can be removed please)

Hello, Please can someone give me some direction regarding the following claim MKDP LLP pursuing an MBNA Business Credit Card debt? I have filled out the pdf of questions required before a reply is received (see below.) The claim has been issued to the defendant as my previous business name (sole trader) not my name – it’s simply business name and my address not `Trading As’ or alike. Does this mean that the claim is invalid? Also does it still matter if the default notice is invalid (as mine is see attached?) Or can they simply issue a new one? The agreement is pre 2007. Do they still have to produce the original signed agreement? I have no way to pay this or even contribute a small amount monthly, just do not have the money anymore. Thank you and I have compiled a list to the pdf questions below. Claim is issued from the `County Court Business Centre?’ does this make a difference. Name of claimant - MKDP LLP Date of Issue – 01/05/2014 Claim Value – Circa £7000.00 POC – As follows; The Claimant claims the sum of £7000 being monies due from the defendant to the claimant under a regulated agreement originally between the defendant and MBNA. The Defendants account number was XXXX and was assigned to the Claimant on XX 2010, notice of this has been provided to the claimant Defendant. The Defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The Claimant claims the sum of £7000 and costs. The Claimant has complied, as far as necessary, with the pre-action conduct practice direction. Value of claim £7000 (Circa) Claim is for business credit card – MBNA. No `Notice of assignment’ receive to my knowledge – still searching for it. Default Notice from original creditor is attached to this post. Is invalid from Dec' 2008. Not received “Notice of Default Sums” – again to my knowledge. Payments ceased due to child being born disabled – massive life change for us. No original dispute. NO DMP. I will send CCA1974 asap I did do this direct to MBNA on 10th March 2010 however I do not have the proof of postage and MBNA never replied. I will send CPR31.14 to MKDP. I will send a CPR Part 18 request. I will defend. Thank you for your help......

I am posting this on behalf of a relative who has received two Claim Forms out of Northampton (CCBC) County Court. Both are for debts originally with HSBC a) Credit Card (1***.** and b) Bank Loan (1****.**). Both Particulars of Claim are basically the same except the Credit Card uses the wording 'a regulated agreement' whereas the Bank Loan uses the wording 'a loan agreement'. Both say that a Notice of Assignment has been provided to the defendant with a date on the Bank Loan one but on the Credit Card one there is no date. Also that a Default Notice has been served on the defendant (no dates given on either) Finishes with wording that The complainant has complied as far as is necessary with the Pre-Action Conduct Practice Direction. Claim Forms are both dated 29th April 2013. Both claim forms were acknowledged with intention to defend all the claim and asking for the extra 14 days. A letter has been sent for each claim asking under CPR 31.14 for the disclosure and the production of a verified and legible copy of the document(s) mentioned in your Particulars of Claim: 1. The agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2. The assignment 3. The default notice 4. A statement of account showing how the amount claimed has been reached. These letters were sent by Special Delivery and were received and signed for on 7th May by MKDP LLP. In addition to this a SAR was sent to HSBC again by Special Delivery and was received also on 7th May. My relative states that they have not received any notice of assignment or default notice for either of the debts. In addition they also believe that they have not made a payment or acknowledged the debt for the 6 years prior to the issue of the Claim forms (but is close) To date they have received no acknowledgement from MKDP LLP. What is our next step please? Do we now send N244 and also should we also have sent a SAR to MKDP LLP

Morning all, Would like some advice please on the following. I have just checked my Credit file with Equifax and there has been a 'Default' added by a company called MKD LLP for £286, with the 'Default' date added as 2010. Now I remember having an old Nationwide account, that was made up of charges for £286, but I refused to pay, as it was made up completely of charges, and I lost out on claiming them back as the test case happened. However nothing was ever on my credit file for this bank account, never received a default notice and not heard a thing. my question is, can this company just place a Default on my credit file, with a made up date and not notify me? S urely this has to be unlawful in some respect? I look forward to any replies.

,i had a letter can i get any help with this, im really worried about it, keep getting upset about, be grateful for any help possible

Hi hopefully someone can help me, and hopefully this is the right place for this. Many years ago I defaulted on a HSBC credit card and with discussions between HSBC and myself the payments I could afford they wouldn't agree to so the sent it to Moorcroft I believe, which was fine I explained my situation about being self employed and not having a set amount I can pay each week so they sent a man round to collect each fortnight whatever I had which suited me fine and I was happy with that, over time I had paid a bit off and all was fine HSBC (who I bank with) were happy as they kept a monitor on it. Then the collector stopped turning up and at the time I should have chased it but I was just starting a Partnership business and things were hectic and to be fair I forgot about it until this weekend when a CCJ filed by MKDP LLP turned up. Should I have been made aware that that the collections were stopping with Moorcroft? Should HSBC or MKDP have told me where the debt now lies? I have a copy of my Experian Report from March 2013 and none of this is on there, I now don't want to end up with a CCJ on there for the next 6 years, I am finally getting myself on track and building my credit score back up. any advice greatly appreciated, thanks

I have received claim from county court in Northampton from MKDP LLP, with the following particulars of claim. The claimant claims the sum of £9,366.22 being monies due from the Defendant (s) to HSBC Bank Plc under a loan agreement regulated by the Consumer credit Act 1974 which was assigned to the claimant on 8/12/2011. Notice of assignment has been provided to the Defendant (s). The defendant(s)'s loan account number was xxxxxx/xxxxxxxx. The defendant(s) has failed to make payments in accordance with the terms of the loan agreement. A Default Notice has been served pursuant to the Consumer Credit Act 1974 by HSBC Bank Plc. The claimant claims the sum of 9,366.22 and costs. The claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction. I have done a acknowledgement of service, this court claim has come completely out of the blue and I have no idea what to do so I am hoping that you guys can guide me on what to do.

Hi could do with some advice as to how to get this removed and dealing with this company please. It is my husbands account from Barclaycard opened around 1998/1999 anyway due to reduced income he ended up defaulting on the Barclaycard Aug 2000 and default was put on his credit file Feb 2001 balance is abt £1700 on the default. For a number of years this has been paid as a token payment to Mercers or Barclaycard in Jan 2013 this debt was assigned to MKDP LLP Balance now abt £1200 this is now where the problems have started. They ring our house abt 4 times a day on abt 3 different numbers I refuse to speak to them as we have found out from routinely checking my husbands credit report that they have put a default on there for this debt dated May 2009 total fabrication we have spoke to Experian abt this and explained that we have previous credit reports showing correct default date and the original default letter from Barclaycard they did contact MKDP LLP and they are refusing to remove it I do not want to contact this company so Experian have asked us to scan our documents to them so they can have a look at it for us. I do not as I have a few original statements here that there are charges on this Barclaycard account and PPI who do I now contact for the SAR and should I contact MKDP LLP regarding the default have not made a payment on this account for a few months now should I restart token payments. Sorry for the essay TTS

Hi, I recently received a letter from the above stating that they have been instructed by Fredrickson international on behalf of Lowell Financial to issue court proceedings for a debt of just over £400. Lowell have this debt registered on my credit file, it was for three mobile. I defaulted in Nov 2008 for £86. The default amount is registered as £86.00 but the balance is shown as £437, how is this possible?. I was paying all my creditors a token payment of £1 per month up until July 2012 when I was told not to by the money advice charity because we as a family did not have enough incomings to cover priority debts let alone non priority. Do I ignore this as a threat or do I send a CCA or SAR because I suspect they will not be able to produce either.

Hi! Im new to all this and dont know much im sorry i got a letter from Bryan Carter solicitors llp about a debt of £700 odd. It says to call Fredricksons within 14days to pay it and the client is Lowell. I am really confused and scared as i have no idea what its for and it said this is a serious matter and i may wish to seek independant legal advice!! Can someone please help me as i have no idea what to do!!!! Thank you.

I have just received 2 letters one from HSBC informing me that they have sold a debt which they say i still owe. This is the 5th different company that i have received letters from concerning this. The other letter is from MKDP introducing themselves. The debt is for £1790.00 and is from a failed business that my self and business partner were involved in. The debt was supposed to have been settled in a deal we made with the liquidator, which i have a letter stating that we are exempt from anyone chasing any monies from this debt after we made a full and final settlement agreement. Should i just sent these people a copy of the letter? Regards Mark L

Good Morning All, My wife has received an initial letter from the above named solicitors(who from what I have read are a bunch of jumped up cowboy's) chasing her for an overall debt of £415.97 which she strongly believes maybe over the 6 year statute barred limit however she believes if its not then its very close to it. In this letter they state she has 14 days to respond or court action will commence without further notice. I have attached the letter(taken a clear photo minus our address) that she has received in her maiden name. Could I have advice on how to approach/what letters to send these idiots as my wife has started to get her credit history back on track but is in an employment position that if her credit history faults from here on in it could potentially put her in a bad way as she will lose her security clearance. Many Thanks in Advance C.G.