You certainly don't wait to cease payments, this should be done asap

What you are looking for are any regulatory breaches in the handling of the account

However once you cease payments you will have plenty of time

as you will have to sit on your hands for a few months

in order to let them incriminate themselves

Forget about the credit agreements for now, we can have a look when they reply to your cca requests

It would be useful if you could upload minus personal details

The narrative from the MBNA SAR for the few months prior to the sale to Idem

The narrative from the Idem SARs

and any letters sent by you to Idem and their replies

Thanks, and payments have now ceased!!!!!

They have replied to my CCA requests and sent 3 x signed copies of signed agreements.

I uploaded one on here which was almost impossible to read (I can hardly read it).

Not sure if they're simply application forms or actual agreements

- there are pages of info attached.

I will upload them once I've blanked off the names etc, but as with the other, they're hard to read.

I will search through the SARs prior to the sale.

Better to scan up the comms/account log

One multi page PDF please

Hi everyone,

So we ceased payments to Idem before Christmas.

A letter has arrived this morning asking us to get in contact with them because they've not received any payments since beginning of November.

Do I just ignore this?

HELP!

Thanks

you want them to default you...

You're right - I do

Ideally that would be my 2nd choice - 1st choice would be to get the same as the other member on here who ceased payments and eventually Idem wrote the debt off and wiped all data from the CRAs (but better than what we have now). I assume I just ignore the letters?

I thought that only MBNA can DF?

we've already covered that numerous times...

Hi everyone,

Trying to get our credit files back on track and have all DFs accounts removed apart from Idem who don't give a damn.

I called Stepchange telling them to cease payments to Idem. We haven't paid Idem now for 3 months now and have received letters asking us to contact them (we haven't).

However, Idem is reporting the same accounts as either DM or AR depending on who they're reporting to. I believe they should be reporting DM on all the 3 accounts as per the ICO's guidelines because we are on a plan (even though they refused to accept reduced payments).

So, in terms of trying to get this DF, wouldn't DM markers be better? If DM markers are reported, and after months of non-payment, wouldn't this show that they're incorrectly reporting and that we've actually DFd?? AR simply show that we're in arrears, which they believe we are (even though I've argued that after years of AR we actually have DFd).

TY

let it run

you might even get a defaulted date in the summary

You need to be patient for another 3to 4 months

and then lodge the complaint

As dx says let it run

Have i really just read all that lol DX you deserve a medal

We stopped paying Idem last November 6 months ago (pretty sure November they didn't get a payment).

They're still reporting us as either AR or DP.

Clearly we're not on a plan and I question the whole notion or reporting in arrears when we've DFd on payments.

Do I still continue to let this run for longer, or lodge a complaint with Idem?

They've written once to say they didn't get a payment and to call them (we didn't).

well going by their past letters did they not sometime back threaten to default you....?

its only just 6mts so let it run some more

No, they have never mentioned DF before - I would have been ecstatic because at least that's a step towards a clean credit report! They maintain that they can report AR until I die.

They're reporting DP to 1 CRA and AR to another. Not true in either case.

Can we have those scans we asked for please

You certainly don't wait to cease payments, this should be done asap

 

What you are looking for are any regulatory breaches in the handling of the account

 

However once you cease payments you will have plenty of time

as you will have to sit on your hands for a few months

in order to let them incriminate themselves

 

Forget about the credit agreements for now, we can have a look when they reply to your cca requests

 

It would be useful if you could upload minus personal details

 

The narrative from the MBNA SAR for the few months prior to the sale to Idem

The narrative from the Idem SARs

and any letters sent by you to Idem and their replies

this one

About another 3 months before complaint, let them really hang themselves

It would be extremely useful if you would post up the above

The answer may lie in the comms logs

I have scanned all the pages - there are hundreds of them, so I will sit down and blank out personal data.

As a side question, if I were to offer Idem to settle, but only if they delete the account from our credit records, what would be a 'sensible' amount (assuming they agree)? 50% offer? I am likely to come into a sum of money, and as our main goal is to move ASAP this may be the quickest way to clean up files. So rightly or wrongly, I will need to explore this.

only really interested in the comms/account log

ie their written notes/comments about it.

Thanks, but that doesn't answer my valid question. I have many scans to go through, so in the mean time......

Can someone help advise please?

*if* I were to offer Idem to settle, but only if they delete the account from our credit records, what would be a 'sensible' amount (assuming they agree)? 50% offer? I am likely to come into a sum of money, and as our main goal is to move ASAP this may be the quickest way to clean up files. So rightly or wrongly, I will need to explore this.

lets see what the comm log gives us

no never F&F that high

Here's some of the docs that Idem have sent. I still have a lot more to scan.

Scanned images of docs from Idem

And with the first lot of pages deleted.....

comms log.pdf

thank you

thread tidied

did you ever send an sar to MBNA?

dx

Yes I think I did many moons ago. I'll have to search.

Presumably the one from Idem is standard?

Thanks for tidying thread.