in poland, Merged debts with MDKP and an issue with Car policy cancellation 'debt'

[eatOrganic]

Hi all,

 

I've taken a policy with eCar insurance for an old, semi-functional rusty Mercedes (800 pounds worth) end of October 2011.

It was an impulse buy of a young man with more money than sense

 

I paid about 200 pounds premium as first payment, and it was about 100 per month afterwards.

 

Unluckily to me, due to my taking the policy out so late in the month, the debit date was automatically set to be 27th or so,

and in November it failed due to my not having that much before payday on my account.

 

I was living between 2 addresses at the time, moving homes, and I didn't notice it happened until about 2 weeks in,

I called and it turned out the policy was already cancelled, because rather than attempt to take the debit again

they gave me a posted deadline, and cancelled the policy, so to continue being insured I'd have to take a new policy.

 

I was very unhappy with that because I'd already paid that 200 pound premium, so I just let the car stand for a bit,

and then sold it to one of those companies putting fliers behind wipers.

 

The fact that I'd have to pay a cancellation fee on top of that was such an insult to injury to me at the time,

that it hasn't properly registered with me it appears, another factor was moving and degraded access to mail at old address.

 

Fast forward 4.5 years,

it's April 2015 and for 2 years I've been living in Poland.

Earning far less, but close to family is what matters to me at the moment,

and I receive an email from CRS debt collection that I owe 800 pounds to eGroup and I can pay by phone, www, etc.

 

Some bullet points

 

800 pounds is over 1 monthly salary here, of which I have none left by end of month anyway

 

I have more debts in the 8k pounds area which are consolidated with MKDP

which I've been repaying over last few years and still do monthly - no complaints there

 

in 2012-2013 I had another car with eCar and at no point was it mentioned that I owed them money

I contacted ecar now, and they stated they contacted me on 12/12/2011 about cancellation fee, and 'then in february 2015'.

 

So it seems between 2011 and 2015 they somehow sat on that fee, multiplied it manyfold I imagine (though they were unwilling or unable to tell me how much it was to start with), then tried to contact me again at address I'd left 4 years ago, and gave it to CRS as 745 pounds.

 

 

For several reasons mentioned above, I am willing to fight in on the beaches, etc etc

 

How to best get the amount to be reasonably equivalent to what it was a penalty for (a car policy cancellation),

and then if possible have it spread taking into account my current situation,

living in a country with cost of living and earning power far less than those magical self-multiplying into hundreds of pounds debts?

 

Are they realistically able to harm me, abroad, should it take the worst turn?

 

Please help, as it has litterally made me consider moving into a van to finally escape those ridiculous fees forever!

[dx100uk]

if you are not in this country

theres nowt they can do to you:madgrin:

 

these other debts you are paying to MKDP...

 

urm ..they merged them all

and you now pay one sum to them?

 

 

urm..I hope you sent them a CCA request EACH DEBT merged?

 

MKDP are a DCA

they are NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

I seriously question your logic of paying anyone anything!!

 

dx

[Bazooka Boo]

Nothing they can do if you're not in the UK.

 

Besides these are powerless petty DCA's, like DX has said, they're NOT bailiffs, nor will they ever be!

 

I have a feeling your being cash cowed, and MKDP know it!