MKDP Talk to Them or Ignore?

[Longships]

As I mentioned in a previous post, we have a lot of old debts that I am now trying to deal with and resolve,

although we have no spare money to pay.

 

In 2007 my husband defaulted on a credit card with First Direct with an outstanding balance of around £6,500

(nothing showing on his credit file that I can find).

 

 

We talked to CCCS who couldn’t help us as we had less money coming in than was necessary for essential expenses.

 

 

I wrote to First Direct informing them of this.

A few months later we started getting letters from DG Solicitors and

 

 

in October 2008 I wrote to them offering £5 a month.

I have nothing else on file for them and as far as I can see the £5 a month offer was never accepted although we have moved several times since then.

 

A few months ago we started getting letters from MKDP and MK Rapid Recoveries demanding repayment of this debt.

We have been paying them a monthly installment of £10 for a different debt so assume they got our current address from that.

 

They also sent us a statement dated 30th Nov 2014 giving the outstanding balance still at £6,500

and saying the last statement date was 30/11/2013 although I have no other statements from them.

 

My question is

what should be our next move?

 

 

Is it likely that they are about to issue a default or even start court action after all this time?

 

 

Is this statute barred?

 

 

Should we contact them at all or just hope that they give up and go away?

 

Thanks in advance for any help!

[fkofilee]

You need to be clear here, when was the last payment put against THIS debt only?

Try sending a CCA Request to them, It wont acknowledge the debt at all, its a legal right.

Also check Noddle from Callcredit. If the default was in 2007 it shouldnt appear now and if it has then, they may have amended the default date.

[citizenB]

If this is no longer showing on his credit file, and you have neither acknowledged or made payment since 2007, there is every chance it is statute barred..

 

I would say a Subject Access Request would be of more value.

[Longships]

The last payment was made to First Direct in July 2007.

 

He has been unable to get an account with Noddle as it doesn't recognise his debit card (only card he has), but he did have an Experian account a couple of years ago and there was nothing showing about this then.

 

Should the CCA request go to First Direct or to MKDP?

[Longships]

Thanks CitizenB - does the Subject Access Request go to FirstDirect or MKDP?

[citizenB]

Thanks CitizenB - does the Subject Access Request go to FirstDirect or MKDP?

 

 

The SAR goes to First Direct - the CCA request goes to MKDP

 

You will find draft requests in the CAG library - green library link - top left hand side of the screen

[dx100uk]

same MO for all the debts you two have

CCA and SAR

 

 

there could be reclaiming to be done too PPI/PENALTY charges anywhere?

 

 

dx

[Longships]

dx100uk - is it possible to claim back PPI on a loan/credit card that has been defaulted?

[dx100uk]

there are no restrictions whatsoever on any PPI reclaiming

 

 

Defaulted, statute barred, CCJ'd - matters not

 

 

get reclaiming