Hello,

I have requested from IDEM my CCA,

initially they said they could not find it,

i stopped making payments,

they have since sent me an application for the cards i took out, dated 1993 with my signature on it, and what appears to be a generic copy of a CCA listing terms and conditions,

it has a newer address on this(not the one at time of application) and it states term such as a £12 charge if i go over my credit limit, which i did do in the past but was actually charged £25/£35 ( i believe the lower charge of £12 came in around 2006) therefore what i really want to know is this classed as a valid CCA or are they trying it on?

Hi welcome,

Couldn't advise without seeing the actual CCA they sent back, clearly you'd need to redact all identifiers off it.

Can you scan and post it up?

When did you last pay anything towards this?

I have uploaded them hopefully you can click on the link if i have done it correctly,

there are 4 pages listed under credit agreement /terms of use and 17 pages for the generic version of which i have uploaded.

I have stopped paying them for only the last two months, it is no longer on my credit file.

As mentioned before it contains a more recent address rather than the one when i took out the application, and states £12 charges for going over limit when i paid £25/£35

I look forward to receiving some advice, Thanking you in adance.

idem.pdf

idem1.pdf

idem2.pdf

idem3.pdf

" As mentioned before it contains a more recent address rather than the one when i took out the application, and states £12 charges for going over limit when i paid £25/£35 "

Then its been doctored and falsified to try to oblige with your request...forget them.

Andy

Retitled and moved to TSB forum

No surprise its bogroll

Idem have been raid their filing cabinet again and playing pick and mix

Well done ob stopping payment!!!

Hello, Just wanted to give a quick update, as annoyingly on some of these threads people ask for advice, get it, but don't tell you how it concluded, and i didn't want to be one of those people, after all the help and advice i was given.

One account out of the six accounts that IDEM had, appeared to be a valid CCA, the others fake, on making no payments to IDEM for six months, they agreed to settle at a 70% discount, this was paid on the understanding that it was settled with a zero balance and would not be sold on to another DCA in the future.

Some will think i need not have paid anything at all on the accounts without a CCA, but it was my choice to settle at this amount and i feel pleased i have, this way should(i know unlikely) a valid CCA crops up sometime in the next six years i would be liable for the full balance, this way it is now done and dusted.

Thanks for the advice given by this site, i for one am happy with the outcome.

Thank you!

Many thanks for the update and conclusion CATNAP.....

So long as you're happy then so am I well done