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Idem Servicing and MBNA CARD debts *** Statute Barred***


oakfield
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Hi,

 

I took out a Marble credit card in 2003.

 

I got into financial problems in 2007 and had to make reduced payments.

 

The account was taken over by MBNA in September 2008 who then sold the debt to Idem Servicing in January 2012.

 

I still have £2,800 outstanding and I sent for a CCA agreement on the 14th February.

 

It was signed for on the 16th February but I have had no reply to date.

 

Could anybody please advise me on my next step?

 

Thanks.

Edited by oakfield
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Who did you send the CCA request to,did you send the £1 fee and was it sent recorded???????????

 

I guess Idem have been in touch with you,telling you they have purchased the debt and sent you a Letter of Assignment or not ????

 

In the next couple of days you can put the account in dispute,but let us have an answer to the above questions

 

Regards FS

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what date is the default on your CRA ?

 

idem typically fire off a discount letter , about the third one if memory serves me correct.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Have Idem replied that they will try and produce an agreement but they will have to contact the OC for this?

 

You are now in a position to fire of account in dispute letter as the 14 days have expired

 

The fact they have contacted you stating they own the debt is sufficient to cover the Letter of Assignment

 

The date on your CRA as dx100k states will be interesting.

 

FS

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Hi, I have had no reply from Idem regarding the CCA. I will fire off a account indispute letter at the weekend, the one from the library. Could someone provide me with the link to it. Thanks.

 

The default date in the NBMA entry is 31/12/2007, which is the default notice from Marble credit card. There is no entry for a default notice in the IDEM entry on my credit file.

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green tab up the top.

 

sorry you say the same debt is showing twice?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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some thing smells here

 

 

i'd recommend you SAR MBNA

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 10 months later...

Received letter from idem servicing this week saying they past my account to arden for collection.

 

received letter from arden asking me to contact them to arrange payment

 

never received a cca agreement from idem servicing.

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no CCA = NO PAY

 

tough titties Idem!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please pdf the letter

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

DO IT IN PAINT.EXE or any photo editing program

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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pers info showing thru the label

please follow the guide!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

1001 ways to say 'we are fruked'

 

ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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