Hello I am new to the site always been a watcher and reader.

Recently requested a CCA on account that is managed by idem (previously EGG) because it was pre 2007.

They have sent through a copy but I am unsure where I stand to whether it is enforceable.

I have a scanned copy in PDF

Please can someone help me

I have been quite successful on negotiating F&F on other accounts and am trying to finalise on others with Barclaycard (Link), PRA Virgin Active.

RS1.pdf

does it contain at least the prescribed terms. is there any more to it (seems to have been redacted).

btw, yr loan acc number is still showing

ive unapproved you attachment

can you scan it back up with all the T&C's they sent too?

who are idem client?

if the debt is sold

one must question why did they sell a debt of that size

when they could have crushed you in court?

Hi thanks for the reply that is the only documents they sent me, it does show that I signed it in 2004. It seems very short to me

and totally unenforceable then...with no t&C's.

hope you've done this with all the others you've settled too?

esp link

if they've an enforceable BC agreement i'd be saying pigs will fly..

Idem are the company that took it over/service it from egg

as a side not

just remember that settling a debt doesn't improve your credit rating

esp if the debt has a default showing.

if its not showing at all...I question ever settling your debts

dx

Idem are the company that took it over/service it from egg

so you got a notice of assignment?

dx

That's great thanks

I'm just waiting on the CCA from Link regarding BC

Not sure it was that long ago

Hi thanks for the reply that is the only documents they sent me, it does show that I signed it in 2004. It seems very short to me

if what they have sent there doesnt contain at least the prescribed terms then that as a 'signed doc' on its own shldn't be enforceable as required.

What are the prescribed terms is that a long paragraph or amount of bullet points