WElcome/MKDP debt on my CRa file.

[suvvers]

I have just checked my credit score on Noodle and

 

I too have a default account from MKDP LLP.

 

The loan was one that I defaulted on in 2006 and so is statute barred.

 

I remember MKDP chasing me for it but I ignored them.

 

Having just checked my credit record now,

I find that this loan is showing as defaulted in 2010

- I'm guessing when this was sold to MKDP.

 

As I last made a payment on it am I right in thinking it's still statute barred?

And as I believe MKDP have now passed the case on to Raven Recoveries

who do I need to get in touch with to get it off my credit record?

 

I'm about to apply for a mortgage and I believe that this will adversely affect my chances.

 

Please help.

 

Steve

[renegadeimp]

Statute barred and Credit record entries are two different things.

 

You can have a SB debt on there as the SB date can be months before the CRA end date.

 

The only time a debt will be SB is if you made no payment and written acknowledgement

to the creditor for a period of 6 years ( 5 in scotland).

 

Once the debt is SB, then NOTHING can un-SB it.

 

Regarding the dates on your credit file,

is that the date of entry on your file,

or the last updated date?

 

If its the date of entry, check your historic entries and see if the dates match.

 

If they dont, then add a notice of correction to the entry,

and get a full complaint in to the DCA's data controller.

 

Also inform the FOS and ICO.

[suvvers]

The last payment was made Sept 2006 so therefore the default date shouldnt be 2010. And as i understand it the entry should be removed 6 years after the default?

[dx100uk]

own thread created.

 

you say you defaulted in 2006

was there an old cra entry under welcome that has now gone

to be replaced by the mkdp account

and they've changed the default date?

 

get an sar off to welcome

 

and a cca request off to MKDP

 

dx

[suvvers]

There are.no entries on my credit reference for Welcome finance.

 

As i understand it

 

the default date is either 3 or 6 months (i can't remember which) after the date of the last payment

and the SB date is 6 years after last payment or acknowledgment of.the debt

and the debt should be removed from the credit reference 6 years after default?

 

If I'm right in what I'm thinking then the default date is at latest March 2007

and MKOP have created there own entry.

 

..are they allowed to do that?

[dx100uk]

was it welcome before MKDP purchased it though?

 

when a debt is purchased

the named creditor just changes on the file.

 

you'll need PROOF

 

the 3/6mts is only a ICO guideline

[suvvers]

It was welcome before MKDP purchased it along with another one I defaulted on at the same time - also Welcome.

 

There is only the one showing on my credit report and both have been passed on to Raven Recoveries.

 

Would the proof I need be in the sar?

[dx100uk]

an sar to welcome is a must that's for sure

 

if only for PPI & PENALTY reclaiming.

 

as for ravens

 

very lowlife!!

 

dx

[suvvers]

Update to this:

 

I sent a dispute to Noddle and they have investigated it and

agree that the entry should be removed and

have informed me that when my credit reference is available for me to view next month it shouldn't be there.

 

Without looking, I expect that this entry will be on my credit reports from Experian and Equifax as well.

 

Quick question regarding this bit..

..would it be better to write to MKDP to tell them to remove it from all CRAs or to send disputes to the CRAs individually?

 

Further update:

 

Raven Recoveries are still chasing me for this and I have duly sent them a SB letter today.

 

However, I received a letter from a company called Keynes Collections

- a company which I've not heard of previously

but which miraculously has the same address as MKDP and Raven Recoveries (funny how I'm not surprised by this eh?).

 

This letter carries the header "Notice Of Intended Legal Action" and says that they've been assigned by MKDP to collect this outstanding debt

(hang on didn't they pass it on to Raven?).

 

They are saying that if I don't respond with a payment plan within 14 days

they are going to take me to court.

 

Should I be on the safe side and send a statute barred letter to MKDP and Keynes Collections as well as Raven?

 

Steve

[suvvers]

So in the end I sent a letter to all three....signed for of course....and I've just got the electronic proof of delivery from Royal Mail and, surprise surprise, all three were delivered on the same day and signed for by the same person!

[dx100uk]

SAR done?

 

dx

[dx100uk]

oh and that letter did not say are they ARE taking you to court

read it carefully/

 

dx