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Welcome Finance : WELCOME/MKRR/RAVEN RECOVERIES


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Hi there,

I (stupidly) took out an HP agreement for a car with Welcome in July 2002. Agreement was £189 over 48months. I exercised my right to hand the car back once I'd paid more than 2/3rds and in fact was within two months of the agreement completing (June 2006) At that time the car was 9years old and worth probably no more than about £400 / £500. There were a few small cosmetic issues but definately nothing mechanical. Welcome arranged the car to be uplifted from me.

 

Received communication from Welcome in probably October / November 2006 stating I owed them just over £1500 ? When asking what this was for I was never given a definitive answer and was told that they would send me a statement - needless to say that statement never arrived and I heard nothing further from them.

 

Since then I have moved house. In April 2010 (some 4-years later) out of the blue a letter arrived from MKRR chasing me for this £1500. Continueal telephone calls to MKRR and their "standard computer generated letters" ensued and each time I requested a statement or something in black and white which showed how I could possibly owe £1500 - each time I was told that they had requested this from Welcome but hadnt received it and would continue to receive these computer generated letters until I set up an agreement - I advised I wasnt prepared to do this until I knew what it was that I was supposed to be paying for. This went on with MKRR until probably about July this year. Then no communication until today when I've received two phone calls on my mobile and one at work from a company call Raven Recoveries advising that if I dont make an offer to pay they will send an Agent to my home ?!

 

HELP ............

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I've got Raven on my back at the moment as well. I refuse to go through security with them, yet they've still told me it's about a debt to Welcome Finance (breach of DPA?). They've phoned a couple of times a day for the past week and get the same response every time - I'm not prepared to tell you who I am, you won't tell me exactly who you are so I don't consider that right. I have no knowledge of your company and if you want to communicate please do so in writing.

 

They still ignore this and yesterday even said I'd never asked them to communicate in writing before. I wait to see what happens, but Welcome are on my list of people who don't deserve to be paid as they intentionally gave HP to clearly uncreditworthy people like myself, knowing in all likelihood the customer would default. I have no sympathy for them, there's responsible borrowing, but there's also responsible lending!

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In regards to the telephone calls send them this letter - just amend it with your own details and send it recorded.

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

As for the threat to send someone to your house - send them the following letter - enclose it with the telephone letter.

 

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

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You also need to request a copy of the original agreement under the CCA.

 

Amend and send the following letter. Send it with a £1 Postal Order - write on the back of the posatl order "for CCA request only" and photo-copy it if you can.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

Send it to Raven recoveries. If no address for them send it to MKRR.

 

If Raven phone you try and record the calls - refuse to speak to them unless they give you the address of their head office. Then refuse to speak to them any way.

 

You can send an SAR to welcome and get this thing sorted once and for if you like - but will cost you another £10.

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ON THE LETTER FROM RAVEN RECOVERIES, ILL BET MY PENSION THE COMPANY REG NUMBER IS : 04746414

 

 

Name & Registered Office:

TRADEPRO OPERATIONS LIMITED

TRADEPRO HOUSE

SEEBECK PLACE KNOWLHILL

MILTON KEYNES

BUCKINGHAMSHIRE

MK5 8FR

Company No. 04746414

 

 

 

 

Status: Active

Date of Incorporation: 28/04/2003

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008 (FULL)

Next Accounts Due: 30/09/2010

Last Return Made Up To: 19/04/2009

Next Return Due: 17/05/2010

Last Members List: 19/04/2009

Previous Names:

Date of change Previous Name

08/05/2003 PINCO 1937 LIMITED

26/06/2003 CAMEL OPERATIONS LIMITED

 

 

 

 

Company Name: TRADEPRO OPERATIONS LIMITED

 

Print Report

 

 

Previous Name(s): CAMEL OPERATIONS LIMITED (until 26/06/2003)

PINCO 1937 LIMITED (until 08/05/2003)

 

Registered Number: 04746414

 

Registered Office: TRADEPRO HOUSE

SEEBECK PLACE KNOWLHILL

MILTON KEYNES

BUCKINGHAMSHIRE

MK5 8FR

 

Incorporation Date: 28/04/2003

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008

Next Accounts Due: 30/09/2010

 

Last Annual Return: 19/04/2009

Next Annual Return Due: 17/05/2010

 

Company Status: Active

Type of Accounts: FULL Accounts

 

Nature Of Business: 7487 - Other business activities

 

 

Filing History

 

 

05/02/2010 APPOINTMENT TERMINATED, DIRECTOR CHRISTOPHER SALES

27/12/2009 APPOINTMENT TERMINATED, SECRETARY CRAIG ALLAN

27/12/2009 APPOINTMENT TERMINATED, DIRECTOR CRAIG ALLAN

26/10/2009 FULL ACCOUNTS MADE UP TO 31/12/08

11/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / MR JAMES ROY CLARK / 09/10/2009

11/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / MR JAMES ROY CLARK / 09/10/2009

09/10/2009 SECRETARY'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 SECRETARY'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 SECRETARY'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

21/04/2009 RETURN MADE UP TO 19/04/09; FULL LIST OF MEMBERS

18/03/2009 APPOINTMENT TERMINATE, DIRECTOR DAVID GRAHAM BLOOM LOGGED FORM

11/02/2009 APPOINTMENT TERMINATED DIRECTOR RICHARD MCDOUGALL

11/02/2009 APPOINTMENT TERMINATED DIRECTOR AND SECRETARY DAVID BLOOM

01/02/2009 DIRECTOR AND SECRETARY APPOINTED CRAIG MCLEOD ALLAN

02/05/2008 RETURN MADE UP TO 19/04/08; FULL LIST OF MEMBERS

01/05/2008 FULL ACCOUNTS MADE UP TO 31/12/07

10/04/2008 FULL ACCOUNTS MADE UP TO 31/12/06

11/12/2007 PARTICULARS OF MORTGAGE/CHARGE

10/09/2007 NEW DIRECTOR APPOINTED

30/08/2007 REGISTERED OFFICE CHANGED ON 30/08/07 FROM:

G OFFICE CHANGED 30/08/07

TRADE PRO HOUSE 2-4 MEADOW CLOSE

ISE VALLEY INDUSTRIAL ESTATE

FINEDON ROAD WELLINGBOROUGH

NORTHAMPTONSHIRE NN8 4BH

30/05/2007 RETURN MADE UP TO 19/04/07; NO CHANGE OF MEMBERS

20/11/2006 DIRECTOR RESIGNED

15/11/2006 FULL ACCOUNTS MADE UP TO 31/12/05

28/04/2006 RETURN MADE UP TO 19/04/06; FULL LIST OF MEMBERS

DIRECTOR'S PARTICULARS CHANGED

09/11/2005 FULL ACCOUNTS MADE UP TO 31/12/04

13/06/2005 SECRETARY'S PARTICULARS CHANGED;DIRECTOR'S PARTICULARS CHANGED

24/05/2005 RETURN MADE UP TO 28/04/05; FULL LIST OF MEMBERS

11/05/2005 NEW DIRECTOR APPOINTED

06/04/2005 DIRECTOR RESIGNED

17/12/2004 DIRECTOR RESIGNED

17/12/2004 DIRECTOR RESIGNED

02/11/2004 FULL ACCOUNTS MADE UP TO 31/12/03

15/07/2004 NEW DIRECTOR APPOINTED

08/07/2004 PARTICULARS OF MORTGAGE/CHARGE

29/04/2004 RETURN MADE UP TO 12/03/04; FULL LIST OF MEMBERS

LOCATION OF DEBENTURE REGISTER ADDRESS CHANGED

17/03/2004 DIRECTOR RESIGNED

19/12/2003 PARTICULARS OF MORTGAGE/CHARGE

01/07/2003 REGISTERED OFFICE CHANGED ON 01/07/03 FROM:

G OFFICE CHANGED 01/07/03

CAMEL HOUSE 2-4 MEADOW CLOSE

ISE VALLEY INDUSTRIAL ESTATE

FINEDON ROAD WELLINGBOROUGH

NORTHAMPTONSHIRE NN8 4BH

26/06/2003 COMPANY NAME CHANGED

CAMEL OPERATIONS LIMITED

CERTIFICATE ISSUED ON 26/06/03

16/06/2003 REGISTERED OFFICE CHANGED ON 16/06/03 FROM:

G OFFICE CHANGED 16/06/03

52-60 SANDERS ROAD

WELLINGBOROUGH

NORTHAMPTONSHIRE

NN8 4BX

16/06/2003 NEW DIRECTOR APPOINTED

16/06/2003 NEW DIRECTOR APPOINTED

16/06/2003 NEW DIRECTOR APPOINTED

S386 DISP APP AUDS 06/06/03

S252 DISP LAYING ACC 06/06/03

S366A DISP HOLDING AGM 06/06/03

16/06/2003 ALTERATION TO MEMORANDUM AND ARTICLES

24/05/2003 NEW DIRECTOR APPOINTED

24/05/2003 ACC. REF. DATE SHORTENED FROM 30/04/04 TO 31/12/03

22/05/2003 SECRETARY'S PARTICULARS CHANGED

22/05/2003 DIRECTOR'S PARTICULARS CHANGED

19/05/2003 SECRETARY RESIGNED

19/05/2003 DIRECTOR RESIGNED

19/05/2003 NEW SECRETARY APPOINTED;NEW DIRECTOR APPOINTED

19/05/2003 NEW DIRECTOR APPOINTED

18/05/2003 REGISTERED OFFICE CHANGED ON 18/05/03 FROM:

G OFFICE CHANGED 18/05/03

1 PARK ROW

LEEDS

LS1 5AB

18/05/2003 ALTERATION TO MEMORANDUM AND ARTICLES

08/05/2003 COMPANY NAME CHANGED

PINCO 1937 LIMITED

CERTIFICATE ISSUED ON 08/05/03

28/04/2003 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgages

 

No. Mortgage Charges: 3

Mortgage Charges Outstanding: 3

Mortgage Charges Part Satisfied: 0

Mortgage Charges Satisfied: 0

 

 

Charge No: 1

Creation Date: 09/12/2003

Registered: 19/12/2003

Satisfied: Outstanding

Description: COMPOSITE GUARANTEE AND DEBENTURE

Person(s) Entitled To Charge:

link3.gif

BANK PLC

Charge No: 2

Creation Date: 06/07/2004

Registered: 08/07/2004

Satisfied: Outstanding

Description: COMPOSITE GUARANTEE AND DEBENTURE

Person(s) Entitled To Charge: CS CAPITAL PARTNERS II, LP

Charge No: 3

Creation Date: 28/11/2007

Registered: 11/12/2007

Satisfied: Outstanding

Description: AN
amendment
link3.gif
AND RESTATEMENT AGREEMENT

Person(s) Entitled To Charge: BARCLAYS BANK PLC

 

 

IN ENGLISH THIS MEANS MKRR IS TRYING TO CONFUSE YOU UNDER A DIFFERENT NAME, RAVEN RECOVERIES, AS KNOWN AS

 

TRADE PRO

SAME CRAP

 

DIFFERENT NAPPY

 

BUSTED

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  • 1 month later...

My Dad had a phone call from a guy called Dan from this number on Friday saying he was phoning to speak to me with regards to a past debt with Welcome Finance.

He said he was calling from Willen Collections Agency, but when I've searched for this name nothing came up. When I searched by the phone number it came up with this and the fact this company has changed names several times recently.

Never have I once given WF my Dad's mobile number so where could they have got it from?

they have phoned my Dad again today and he's explained to the guy that the debt was cleared off and I gave up the wehicle as I could no longer afford it. WF said this was fine and they would come to collect the vehicle. Months passed and the car stayed out on the road not taxed etc. Eventually the vehicle was clamped by the DVLA as it was on the road and not taxed.

I phoned the DVLA and explained and before I could mention the car dealers name the lady asked is it with WF as they had so many unclaimed vehicles of theirs!

I wrote to WF explaining to them they had 7 days in which to claim the vehicle but heard nothing back. This all happened over 3 years ago!!!

My Dad himself is an independant financial advisor and has told them to stop harrassing him and that they have clearly broken data protection rights by obtainging his number. As you can imagine he is now going to report them to the FSA.

The police were involved last time and we are not afraid to get them invovled again. My Dad also explained this to the guy which made him quiet for a minute but he was still persistent in trying to obtain my details. When he asked my Dad for a forwarding address my Dad refused to give him it (thank you Dad!) and said that if they had obtained his mobile number illegally then surely they could obtain an address illegally!

I'm now trying to find the exact address that I can use to write to them and start threatening legal action.

 

All I can say is that I don't trust them as far as I could throw them!

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  • 5 weeks later...

can anyone help me with mkrr lowells had my accounts and could not supply proof that i owed money on them no cca i have now got two letters from mkrr demanding payment i still have letters from lowell saying accounts were closed and they could not get ccas what do i do now

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  • 2 months later...

Hi there

 

just a quick one, they are still getting permission from somewhere to get telephone numbers, My parents had a car on HP for a new car 7 years ago , they paid half of the debt back and "welcome finance" agreed to take the car back and half the money which was left outstanding - mind they did take 6 months to come and collect the car. We thought the issue was settled , since then we have had a new telephone number which only family and friends know and up intil a month ago started to get " phone calls " from raven recoveries saying we still owe them money- confusing or what . my dad has been seriously ill forf about 2 months now and don't want him to go through anymore problems.

 

If anyone has any queries or what we can do , please say :)

Thanks

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  • 3 months later...
ON THE LETTER FROM RAVEN RECOVERIES, ILL BET MY PENSION THE COMPANY REG NUMBER IS : 04746414

 

 

Name & Registered Office:

TRADEPRO OPERATIONS LIMITED

TRADEPRO HOUSE

SEEBECK PLACE KNOWLHILL

MILTON KEYNES

BUCKINGHAMSHIRE

MK5 8FR

Company No. 04746414

 

 

 

 

Status: Active

Date of Incorporation: 28/04/2003

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7487 - Other business activities

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008 (FULL)

Next Accounts Due: 30/09/2010

Last Return Made Up To: 19/04/2009

Next Return Due: 17/05/2010

Last Members List: 19/04/2009

Previous Names:

Date of change Previous Name

08/05/2003 PINCO 1937 LIMITED

26/06/2003 CAMEL OPERATIONS LIMITED

 

 

 

 

Company Name: TRADEPRO OPERATIONS LIMITED

 

Print Report

 

 

Previous Name(s): CAMEL OPERATIONS LIMITED (until 26/06/2003)

PINCO 1937 LIMITED (until 08/05/2003)

 

Registered Number: 04746414

 

Registered Office: TRADEPRO HOUSE

SEEBECK PLACE KNOWLHILL

MILTON KEYNES

BUCKINGHAMSHIRE

MK5 8FR

 

Incorporation Date: 28/04/2003

 

Country Of Origin: United Kingdom

Company Type: Private Limited Company

 

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2008

Next Accounts Due: 30/09/2010

 

Last Annual Return: 19/04/2009

Next Annual Return Due: 17/05/2010

 

Company Status: Active

Type of Accounts: FULL Accounts

 

Nature Of Business: 7487 - Other business activities

 

 

Filing History

 

 

05/02/2010 APPOINTMENT TERMINATED, DIRECTOR CHRISTOPHER SALES

27/12/2009 APPOINTMENT TERMINATED, SECRETARY CRAIG ALLAN

27/12/2009 APPOINTMENT TERMINATED, DIRECTOR CRAIG ALLAN

26/10/2009 FULL ACCOUNTS MADE UP TO 31/12/08

11/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / MR JAMES ROY CLARK / 09/10/2009

11/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / MR JAMES ROY CLARK / 09/10/2009

09/10/2009 SECRETARY'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 SECRETARY'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 DIRECTOR'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

09/10/2009 SECRETARY'S CHANGE OF PARTICULARS / CRAIG MCLEOD ALLAN / 09/10/2009

21/04/2009 RETURN MADE UP TO 19/04/09; FULL LIST OF MEMBERS

18/03/2009 APPOINTMENT TERMINATE, DIRECTOR DAVID GRAHAM BLOOM LOGGED FORM

11/02/2009 APPOINTMENT TERMINATED DIRECTOR RICHARD MCDOUGALL

11/02/2009 APPOINTMENT TERMINATED DIRECTOR AND SECRETARY DAVID BLOOM

01/02/2009 DIRECTOR AND SECRETARY APPOINTED CRAIG MCLEOD ALLAN

02/05/2008 RETURN MADE UP TO 19/04/08; FULL LIST OF MEMBERS

01/05/2008 FULL ACCOUNTS MADE UP TO 31/12/07

10/04/2008 FULL ACCOUNTS MADE UP TO 31/12/06

11/12/2007 PARTICULARS OF MORTGAGE/CHARGE

10/09/2007 NEW DIRECTOR APPOINTED

30/08/2007 REGISTERED OFFICE CHANGED ON 30/08/07 FROM:

G OFFICE CHANGED 30/08/07

TRADE PRO HOUSE 2-4 MEADOW CLOSE

ISE VALLEY INDUSTRIAL ESTATE

FINEDON ROAD WELLINGBOROUGH

NORTHAMPTONSHIRE NN8 4BH

30/05/2007 RETURN MADE UP TO 19/04/07; NO CHANGE OF MEMBERS

20/11/2006 DIRECTOR RESIGNED

15/11/2006 FULL ACCOUNTS MADE UP TO 31/12/05

28/04/2006 RETURN MADE UP TO 19/04/06; FULL LIST OF MEMBERS

DIRECTOR'S PARTICULARS CHANGED

09/11/2005 FULL ACCOUNTS MADE UP TO 31/12/04

13/06/2005 SECRETARY'S PARTICULARS CHANGED;DIRECTOR'S PARTICULARS CHANGED

24/05/2005 RETURN MADE UP TO 28/04/05; FULL LIST OF MEMBERS

11/05/2005 NEW DIRECTOR APPOINTED

06/04/2005 DIRECTOR RESIGNED

17/12/2004 DIRECTOR RESIGNED

17/12/2004 DIRECTOR RESIGNED

02/11/2004 FULL ACCOUNTS MADE UP TO 31/12/03

15/07/2004 NEW DIRECTOR APPOINTED

08/07/2004 PARTICULARS OF MORTGAGE/CHARGE

29/04/2004 RETURN MADE UP TO 12/03/04; FULL LIST OF MEMBERS

LOCATION OF DEBENTURE REGISTER ADDRESS CHANGED

17/03/2004 DIRECTOR RESIGNED

19/12/2003 PARTICULARS OF MORTGAGE/CHARGE

01/07/2003 REGISTERED OFFICE CHANGED ON 01/07/03 FROM:

G OFFICE CHANGED 01/07/03

CAMEL HOUSE 2-4 MEADOW CLOSE

ISE VALLEY INDUSTRIAL ESTATE

FINEDON ROAD WELLINGBOROUGH

NORTHAMPTONSHIRE NN8 4BH

26/06/2003 COMPANY NAME CHANGED

CAMEL OPERATIONS LIMITED

CERTIFICATE ISSUED ON 26/06/03

16/06/2003 REGISTERED OFFICE CHANGED ON 16/06/03 FROM:

G OFFICE CHANGED 16/06/03

52-60 SANDERS ROAD

WELLINGBOROUGH

NORTHAMPTONSHIRE

NN8 4BX

16/06/2003 NEW DIRECTOR APPOINTED

16/06/2003 NEW DIRECTOR APPOINTED

16/06/2003 NEW DIRECTOR APPOINTED

S386 DISP APP AUDS 06/06/03

S252 DISP LAYING ACC 06/06/03

S366A DISP HOLDING AGM 06/06/03

16/06/2003 ALTERATION TO MEMORANDUM AND ARTICLES

24/05/2003 NEW DIRECTOR APPOINTED

24/05/2003 ACC. REF. DATE SHORTENED FROM 30/04/04 TO 31/12/03

22/05/2003 SECRETARY'S PARTICULARS CHANGED

22/05/2003 DIRECTOR'S PARTICULARS CHANGED

19/05/2003 SECRETARY RESIGNED

19/05/2003 DIRECTOR RESIGNED

19/05/2003 NEW SECRETARY APPOINTED;NEW DIRECTOR APPOINTED

19/05/2003 NEW DIRECTOR APPOINTED

18/05/2003 REGISTERED OFFICE CHANGED ON 18/05/03 FROM:

G OFFICE CHANGED 18/05/03

1 PARK ROW

LEEDS

LS1 5AB

18/05/2003 ALTERATION TO MEMORANDUM AND ARTICLES

08/05/2003 COMPANY NAME CHANGED

PINCO 1937 LIMITED

CERTIFICATE ISSUED ON 08/05/03

28/04/2003 INCORPORATION DOCUMENTS

CERTIFICATE OF INCORPORATION

STATEMENT OF DIRECTORS & REGISTERED OFFICE

DECLARATION OF COMPLIANCE

MEMORANDUM OF ASSOCIATION

ARTICLES OF ASSOCIATION

 

 

Mortgages

 

No. Mortgage Charges: 3

Mortgage Charges Outstanding: 3

Mortgage Charges Part Satisfied: 0

Mortgage Charges Satisfied: 0

 

 

Charge No: 1

Creation Date: 09/12/2003

Registered: 19/12/2003

Satisfied: Outstanding

Description: COMPOSITE GUARANTEE AND DEBENTURE

Person(s) Entitled To Charge:

link3.gif

BANK PLC

Charge No: 2

Creation Date: 06/07/2004

Registered: 08/07/2004

Satisfied: Outstanding

Description: COMPOSITE GUARANTEE AND DEBENTURE

Person(s) Entitled To Charge: CS CAPITAL PARTNERS II, LP

Charge No: 3

Creation Date: 28/11/2007

Registered: 11/12/2007

Satisfied: Outstanding

Description: AN
amendment
link3.gif
AND RESTATEMENT AGREEMENT

Person(s) Entitled To Charge: BARCLAYS BANK PLC

 

 

IN ENGLISH THIS MEANS MKRR IS TRYING TO CONFUSE YOU UNDER A DIFFERENT NAME, RAVEN RECOVERIES, AS KNOWN AS

 

TRADE PRO

SAME CRAP

 

DIFFERENT NAPPY

 

BUSTED

 

Just to update you the Licence No: 632091 is for MKRR.

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