1995 Barclaycard -defaulted in 2010

[baboy787]

Hi folks its my first post here so please be gentle with me -

 

barclaycard sold my default to MKDP LLP and

this company is mention on my CRA file as being the company who issues the default.

 

I have recently sent a recorded delivery letter to barclaycard asking for a true copy of the original

1995 Credit agreement.

 

My question is

if they send me back a letter stating this is a reconstituted copy of the original agreement

( what must this reconstituted agreement contain ??)

 

and, should I also send MKDP a letter also asking for a true copy of the original agreement.

 

Now I understand that once tipped off by barclaycard

- MKDP may send a claims for the amount outstanding

- is this the case and any guidance would be great.

[citizenB]

MKDP cannot default you - they can only update the default that B/shark would have placed on your account.

 

I believe you have to send the CCA request to company pursuing for payment.. if hte account has now been assigned, then that would be MKDP.

 

You could however, send a Subject Access Request to B/shark to see if they send you one in that - SAR request is a request for ALL data, usually you would not expect to receive a copy of the agreement in with that as it is covered by the CCA request, but you never know.

 

You will however, receive other data that might be of value.. communication log - which will identify all actions taken on the account up until the point of assignment.