MKRR - What do we know about them?

[Sapphire]

Re: MKRR - What do we know about them?

I've just done a Credit Search on them they rate 58/100, no CCJ's against them either. If you want anymore info give me a shout.

[ODC]

Re: MKRR - What do we know about them?

Doesn't get worse for the debtor if you ignore them - get's worse for their profit forecast more so!

Don't worry mate. They won't be getting a ha'penny from me. I won't even be acknowledging their presence. Once I get bored then I will hit them with the paperwork. The so called assignment letter from the Nationwide contains the same matrix code as their threatomatic. Oursoles.

[Michael252]

Re: MKRR - What do we know about them?

Hi Guys and Gals re MKRR, i have a rather nasty issue with them and was wondering if anyone has any advice. I received a letter from them regarding a debt I had with Welcome Finance, I believe they have either bought the debt or are acting on their behalf. When Welcome collapsed I did not bother to repay anything as I was hoping I would be lucky to get away with it, god loves a trier!! So I got a letter a few months ago regarding the debt saying I now owed them it. I disputed the debt but they sent me a copy of the original form. Also to my horror they have placed a default on my credit report for over £6K!!!!! They never wrote to me advising they now have ownership of the debt nor did they send me a default notice. So I am disputing everything and demanding they remove this from my file asap! Does anyone have any advice as to how I can get this done or have any other unpleasant issues with MKRR to help me in my case?

Thanks.

[labman]

Re: MKRR - What do we know about them?

Sadly a lot of debtors are having serious difficulties with MKRR and Welcome at the moment.

What have you actually done so far regarding them contacting you? Have you sent anything to them or the CRA's? Anything further you can tell us would be helpful.

[Michael252]

Re: MKRR - What do we know about them?

I have written to MKRR asking for a true signed copy of the default notice as well as a letter stating MKRR now own the debt and a deed of assignment. None of which have been sent to me yet. My arguement to MKRR is

1) I never received any statements from Welcome or MKRR regarding the loan
2) I received no documentation from MKRR that they are now owners of any debt and payment should be made to them.
3) Never received a deed of assignment which i asked for.
4) No default notice received from MKRR
5) They wrote to me advising the account was handed to them on the 05/03/10, yet the default registered on my credit file was made on the 02/01/10. So therefore how can they place a default on my account when they did not have ownership for another two months!!

Its all very fishy and I have demanded they remove the default asap or I will go to the FO and the OFT.

So, what do you think? Do I have a case and do you think they will have to remove it?

[labman]

Re: MKRR - What do we know about them?

I have written to MKRR asking for a true signed copy of the default notice as well as a letter stating MKRR now own the debt and a deed of assignment. None of which have been sent to me yet. My arguement to MKRR is

1) I never received any statements from Welcome or MKRR regarding the loan You should be sent at minimum an annual statement of account. A SAR would get you statements.
2) I received no documentation from MKRR that they are now owners of any debt and payment should be made to them. You should have received a Notice of Assignment.
3) Never received a deed of assignment which i asked for. You will only get the Deed by going through the courts using CPR31.
4) No default notice received from MKRR You should definitely have received this.
5) They wrote to me advising the account was handed to them on the 05/03/10, yet the default registered on my credit file was made on the 02/01/10. So therefore how can they place a default on my account when they did not have ownership for another two months!!Sounds as though the OC defaulted you before passing it to MKRR. The DN should therefore be from the OC.

Its all very fishy and I have demanded they remove the default asap or I will go to the FO and the OFT.

So, what do you think? Do I have a case and do you think they will have to remove it?



TBH if you owe the money I don't think they'll remove it. Remember you can put personal notes against your credit file, and also, if this is the only thing stopping you getting credit, you can write explanations to companies who turn you down explaining and asking them to reconsider. My guess however, is if you were using Welcome, then this is not the only debt.

They are under no obligation to send copies of what you have requested unless you send a formal SAR. Even then you have almost no chance of getting the actual Deed of Assignment from them.

I do believe you're right making them work to prove things though before you hand over a penny to them.

[charitynjw]

Re: MKRR - What do we know about them?

Lol - make them work then!

http://www.langleys.com/Services/Ins...NTIAL-(1).aspx

The case of Croft House Care Ltd, Orchard Home Care Ltd and Kelly Park Caring Agency v Durham City Council (2010) involved a dispute over the disclosure of commercial or business sensitive information. The Claimants brought proceedings against the Council for breaches of a procurement process. The Council did not want to disclose commercially sensitive data provided by tenderers and did not want to disclose information which would prejudice the Council’s ability to re-run the procurement process in the future. The High Court held that when balancing the confidentiality rights of third parties against the necessity of documents to be provided for the purpose of a fair Trial, the tender documents should be disclosed. It was found that the data went directly to the pleaded case.

I still reckon that you have a legal right to see proof of ownership of the assignment!
Article 6, HRA kicks in, surely?

[Michael252]

Re: MKRR - What do we know about them?

Thanks for the reply and helpful information. On my credit file it states that MKRR are the company who have defaulted me though, there is nothing by anyone else. Eveything else on my report is up to date / settled so I am rather upset that this has appeared and effectively ruined my credit. The channels I am trying to work at are that due to no notifications from MKRR they have not played a fair case and this should be removed. However from your response it seems that I may have little chance of the default being removed.

[labman]

Re: MKRR - What do we know about them?

Default removals are possible. There's a poster on here called The Debt Star who I haven't seen around for a while, but he was quite successful in getting defaults removed. I do remember him saying it takes a vast amount of persistence though, and you may well need to go through the ICO etc... to get anything done. Even then there is no guarantee. Keep fighting if you think an injustice has been done, and we'll help all we can, but don't expect it to be quick.

[Michael252]

Re: MKRR - What do we know about them?

Thanks for this! I will update this area when MKRR reply to my letter which was recently posted to them!

[Helen1970]

Re: MKRR - What do we know about them?

Just got a letter from these monkeys apparently acting on behalf of MKDP for an alleged debt assigned from Nationwide. Apparently they have bought ALL of the respective rights, title and interest in respect of this.

No company number listed on their threatomatic however they give a partnership number of OC 349372 (WTF!!!!!) and a CCL Number of632121

Let the games commence

My partner recently got a letter from Raven Recoveries claiming a debt from Nationwide, he said he's unsure what this is for, am I able to check with Nationwide or would they have passed all the history onto Raven. After reading comments on here we would rather pay Nationwide than Raven.

They have Company Reg No 04746414 and same CCL Licence as others quoted on here, although full address is Compello Operations Ltd, Fleming House, Seebeck Place, Milton Keynes ...... It seems they change company directors and name every few months/years, obviously to avoid tax man or because they get found out!!

[CleverClogs]

Re: MKRR - What do we know about them?

My partner recently got a letter from Raven Recoveries claiming a debt from Nationwide, he said he's unsure what this is for, am I able to check with Nationwide or would they have passed all the history onto Raven.

Nationwide has probably passed on few or no data to Raven other than the value of the alleged debt and the personal data of the alleged debtor.

If the alleged debt is genuine, when was it allegedly incurred?

[ODC]

Re: MKRR - What do we know about them?

If the alleged debt is genuine, when was it allegedly incurred?

Any reason for asking this ???

[CleverClogs]

Re: MKRR - What do we know about them?

Any reason for asking this ???

Yes.

I wondered if it might be statute barred.

[ODC]

Re: MKRR - What do we know about them?

Cheers pal. I thought you had some info in relation to nationwide cards