Need help with mkdp and HSBC debt

[Esussex]

Hi first time on the forum so might not be in the first right place sorry.

 

I have just been contacted from a dca about a old debt of mine.

 

 

They have just sent me a letter saying they have bought a debt from my old current account on December 2011!

 

 

I have not used this account for years 5.5 years plus and only had £300 overdraft so have no idea how I can owe all that's money on it.

 

 

I also had a loan with the same bank but that is not mentioned in the letter.

 

I have read that after 6 year the debt is non enforceable.

 

 

I have deffo not paid towards these debts for over 5.5 year and could be over 6 but don't know how to check.

 

I have not replying to them.

 

What. Are my options?

 

Thank you for reading

[Northernpug]

You could try looking on your credit report. Noddle is free https://www.noddle.co.uk/ . If it defaulted over 6 years ago, there may be nothing there. Otherwise send a SAR + £10 to the bank and see what info they have. They may have merged anything outstanding on the loan with the overdraft

[Esussex]

Thanks for the reply this is the first letter I have received from them. And they can not be sure I even live at this address is it time to get worried as I know by august it will be 6 years for certain.

 

Will checking my credit file bring alarm bells for them to know my address?

 

I put my name on the electoral roll around 4 month ago I think this was a bad idea. but that would not connected me to the address the debt is to

If I have no ccj on my file and just lived in Spain for the summer would I be free from the debt?

[Northernpug]

I don't believe they would be aware that you have checked your credit file. Going to Spain won't stop them issuing a CCJ to your last known address if they wanted to. Personally I wouldn't do anything, just ignore and see what they do next. Nothing has happened so far so there may be a reason why no court action has been taken to date.

[Esussex]

So should I still check my credit file? Will any one come

To my house and if the did what would i have to do? Have they got the Authority to clamp my car Or take

My belongings?

[Northernpug]

They are not bailiffs so won't clamp your car or take possesions.

 

 

Highly unlikely to pay you a visit and if they did, you could just tell them to go away as they have no legal powers.

 

 

Reason I suggested checking your credit file is to see what the default date was

 

 

and you may be able to work out when the last payment was made.

 

 

They will just try and frighten you into contacting them and coming to an "agreement".

[dx100uk]

whos the DCa and who s the bank

 

 

dx

[Esussex]

Northenpug

 

 

thank you for sharing your knowledge I feel so much better now.

 

 

I will check my credit file tomorrow. And tell you how o get on.

which one would I be able to see the fastest

my wife used experian and had to wait for letters to be sent to our home first.

 

 

Dx the dca is mkdp and hsbc

 

I had a lot of debt around this time I was young a silly.

 

 

Just think if this one get me they all will.

 

 

I'm in a completely diffrent postion now with wife and three children.

[dx100uk]

noddle below is free should be ok

[Esussex]

noddle below is free should be ok

Just got my report on noddle and there is no evidence of any debt that I owed.

 

All the debt I had was address to my bothers house.

 

 

Years ago I used to move a lot.

 

 

and on noddle it asked for my last 5 years address that don't have any link to the address my debt used to be.

 

 

so where do I stand

 

 

my credit says I'm clean but they have sent me a letter that I know I owed money on?

 

 

But still could be over 6 years old so might it be off my file?

[dx100uk]

is that address showing.

 

 

they'd be hard pushed to do anything anyway

 

 

its a bank OD

and if you were to get all the statements

I bet 90% of the debt is OD charges anyway.

 

 

dx

[Esussex]

is that address showing.

 

 

they'd be hard pushed to do anything anyway

 

 

its a bank OD

and if you were to get all the statements

I bet 90% of the debt is OD charges anyway.

 

 

dx

 

 

no that address is not on there

 

 

I never even lived there to be honest so just a postal address I used.

 

 

i could prove where I lived for the last 7 years and that address wouldn't be one of them

 

The total they are asking for is over £4000! On a 300 or 150 od.

 

I did have a loan with them that was for 5000 I used to pay 200 p/m over 3 years I paid one year then lost my job and ppi paid for a year then they stopped paying towards the debt and by then I had moved away so just left it and still didn't have a job so could not afford it. Could this be for the left over loan amount to? Or would they put that in the letter?

 

Should I get a statement from exprian to double check or would it of been on noddle if there was a problem.

 

Could they just be going on because they have seen my name on the Electroal roll and not even no that's me the only thing that link me back to where I used to live is my passport

[i hate bailiffs]

When was the last time you made payment on this debt?

Just because you get a letter does not mean that they have the authority to collect payment

 

May be time for a SAR to HSBC it will give you the last payment date

[Esussex]

I don't think I have used that account for around nearly 6 years deffo 5.5. Will be 6 year for certain in August.

 

Is there any point to send this letter off to have hsbc because that will make them 100% know my whereabouts. this was only my first letter from them.

 

By ignoring them can they add more money to the debt?

[dx100uk]

as long as you'll get letters wherever they send them time ti ignore.

 

 

bet its a managed loan [merged accounts]

 

 

dx