Willen/CSA now MKDP chasing welcome loan

[paddyjoe68]

I read some of the posts here,

 

 

I recently received a letter from this company named Wiiien, CSA.

 

 

The said they were attempting to contact the above named person regarding a personal matter.

 

 

If i could help them maybe find this person then call a number that provided.

 

 

What should I do?

 

 

should I reply or call the number?

 

 

should I ignore?

 

 

Like one person on here said they had lots of mail and even someone at the door.

 

 

i live with an elderly aunt and i dont want doggy people calling to the door and scaring her,

 

 

what should I do?

 

 

can I do?

[Stigman]

Hi Paddyjoe,

 

Welcome to CAG.

 

First of all, never respond to a phishing letter, wait until something arrives through the post with full details of amount, who the creditor is or was.

Ignore all phone calls, if you do answer refuse to go through DPA and hang up, if anyone does turn up then tell them to get off of your property or you will call the Police, they have no legal powers whatsoever.

 

Please start your own thread for each debt or problem, that way it helps everyone who either replies to your thread or someone else in your situation can easily search and read up and become more knowledgeable.

 

To start a new thread click the link below...

http://www.consumeractiongroup.co.uk/forum/content.php?114-How-do-I-post-my-story-on-the-Consumer-Action-Group-forum

 

Stigman

[dx100uk]

own thread created.

 

 

dx

[dx100uk]

its worthy to note:

 

 

Compello Group...

Impact Collections

Keynes Collections

Milton Keynes Recoveries

MK Rapid Recoveries

Raven Recoveries

Willen Collections

 

 

are all the same company

 

 

willen collections are rarely used today

 

 

as Compello were carpeted over such dubious operations some years ago.

 

 

ignore them

 

 

just remember

 

 

a DCA are NOT BAILIFFS

and have

NOT SUCH LEGAL POWERS

dx

[Bazooka Boo]

Definitely ignore them.

 

And in the unlikely event they do send an unsolicited stranger to your door, you can tell them to clear off before closing the door.

They have NO legal powers at all, regardless of how many clip boards or ID badges they have hanging round their neck,

next doors cat has more legal rights to be on your property than these clowns.

[paddyjoe68]

Hi on the 19th of February I received a letter from a company called Willen (letter had been sent on the 16th),

asking me if I was the occupant of a previous address , which they listed.

 

 

That they wanted to get in touch with me over a personal matter.

If I wasn't the person they apologised for the contact but if I could help with the where abouts of the stated person then please contact them.

 

 

When I looked up this company I found that they were a debt collector firm in Milton Keynes.

 

 

I received a reply from a member on here, Stigman, telling me never answer phishing letter, which I didn't.

 

Now on the 28th of March I received another letter MK Rapid Recoveries, (sent 10th March, 18 days later I received the letter),

stating that furthur to their recent communcation of ownership of balance they hadnt received any offer of payment from me.

 

 

They are offering to help with a repayment instalment arrangement to clear he debt.

 

 

They also state the amount owed and the original creditor.

 

 

They say they will continue to contact me by post of phone until i contact them to resolve this issue.

What should I do in this case? can anyone please advise me?

[SabreSheep]

Hi there

 

Stigman has it correct. Ignore But file somewhere safe, anything that comes from them.

If they phone, hangup. Refuse to answer any security questions.

 

*IF* you receive a Court Claim form, then return to us for advice.

[SabreSheep]

I have merged both your threads together for history.

If you keep to this thread people helping can see the history

[paddyjoe68]

Thank you SabreSheep for the quick reply. I won't answer this letter then, they say in this letter that they had sent a previos contact where they tried to come to an arrangement with me but i didnt reply, I have not received any such letter from them. To date I've received only two letter, the one today being the second.

[dx100uk]

whats the debt all about please

 

 

dx

[paddyjoe68]

Its a debt from a previous address, that I left in Demember 2005. They give the amount that is due.

[dx100uk]

so its SB'd?

 

 

is it on your credit file?

[paddyjoe68]

Not sure what a Sb is, and I havent checked my credit file. Where would I get one of those? To check my credit file would I have to be more exposed to these debt collectors or is this information private to me?

[dx100uk]

see noddle below

 

 

old wives tale unless you update an address which you should always do

else they'll get a CCJ to an old address by default.

 

 

sb is statute barred

6yrs no payment or signed letter acking the debt fron you

[paddyjoe68]

Thanks, yes I had to leave that address back in December 2005 due to losing my job at the time. I didn't change my address so I don't know what letters were sent there for me, I had many problems at the time. So do you think I should just continue to ignore them and carry on as normal?

[renegadeimp]

Yes. Even if they try anything, statute barred is an absolute defence. Not even a court can undo that.

[paddyjoe68]

Thanks guys, you have been very helpful.

 

 

I will keep this thread updated on what is happening.

 

 

I just have one more question,

 

 

is there, do you think, any significance in them saying they sent me another letter in which they offered terms for repayment, one which I never received?

 

 

also the time the letters seem to take to arrive at my house.,

 

 

the first one took four days from date of sending the second took 18 days from date of sending.

[dx100uk]

uk mail on the envelope?

 

 

can take 15 days by them.

 

 

that sentence is in all DCA letters

 

 

made to make you think that they are escalating things

rather than its just another phishing attempt

 

 

what is the original debt all about and with whom?

 

 

dx

[paddyjoe68]

The original debt was £3000 and with a company called Welcome Finance ltd:

 

 

It was taken out to help a friend at the time who then later refused to repay me the instalments even after i lost my job and had to move home.

 

 

Obviously my name was on the loan so it's my responsibility

 

 

but as I was in dire straits at the time I had to leave where I was living at the time and moved else where.

 

 

I had paid the first instalments of the loan before all this happened.

 

 

Do you think that SB applies to me in this case?

[Bazooka Boo]

Good old 'compello' group!

 

Check your credit files first and see what, if anything, is on them, then you can start from there.

 

Trying to second guess without all the facts is pointless, get your ducks in a row first then you will know

what angle to attack them from.

[paddyjoe68]

Any idea where I can check my credit file, one that is reliable, I've recently heard bad things about experion selling things to people before they can register with them.

[Bazooka Boo]

You can use Noddle, which is free, BUT isn't always as accurate as Experian or Equifax as it takes a while to update, but it's a start.

 

You'll need to give them card/bank details to check your identity, OR you can always write to Experian Equifax with £2 and get your credit file printed off in hard copy.

https://www.noddle.co.uk/dashboard

[paddyjoe68]

Thank you for that. If I register with them do they share my information with the likes of the Compello group or other debt collector agencies?

[Bazooka Boo]

In a word yes, BUT, you need to start somewhere, it's pointless hiding, grab them by the jacobs and hit them head on.

[renegadeimp]

Since its welcome, SAR them and get reclaiming. I guarantee you there will be amounts on that debt you can reclaim. Plus with interest, it will be a nice bit of cash in your back pocket, plus since the debt is SB, nobody can touch it, unless welcome buy the debt back, offset it then sell it on ( which is extremely unlikely.

 

Get that sar off, you could get a bit of money out of this.