Hi all

Hope everyone is well.

Had this back recently - after months on inactivity on all accounts.

For a Lloyd’s credit card

This is the one and only sheet sent back from Idem.

Looks like an application form to me ?

Any help much appreciated.

Thanks for looking and Bon weekend !

Here is correct picture

Lloyd’s scan 2.pdf

Not compliant. Im guessing you got it from idem?

Thanks for quick response RI !

Yes indeed through Idem.

Thanks

can you read that I cant!!

No I cant read it - its terrible - but thats what they sent.

BOG ROLL !

Nowhere near compliant. even if it was legible.

Thanks RI

much appreciated.

what the debt history yoda..

if idem have it

sure as eggs is eggs there is something wrong with the debt.

2002

long dropped of CRA

was paying payplan up until early 2018

then removed myself from the milking parlour - of recommendation by you kind folk

thanks

Name of the Claimant ? Idem Capital Securities Limited

Date of issue – 15 Jan 2019

Particulars of Claim

1 ) Agreements between Halifax / Lloyds TSB and the cardholder ( D )

2 ) The balance of the accounts were legally assigned to the Claimant ( C ) 17/06/2015

3 ) D accrued balance *** A/C 1 Credit Card o/s bal £4500 A/C 2 Credit card o/s Bal £4500

4 ) D defaulted on payments

5 ) C issued Formal Demand requested payment dated 03/01/2019

6 ) Amount now due from D £9000

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No

Did you inform the claimant of your change of address? Yes just to update them in case they hadnt got it

What is the total value of the claim? £9000 ( amalgamated two credit card debts )

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? both credit card

When did you enter into the original agreement before or after April 2007 ? before

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

Did you receive a Default Notice from the original creditor? Not that i can remember

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? advice from kind folk here

What was the date of your last payment? march 2018 ( via payplan )

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes and I was with payplan until march 2018

Good evening Peeps and happy new year.

Ive just made a donation

I have just Received a Claim Form Today

I have received a cca back for the lloyds one pls see link : -

https://www.consumeractiongroup.co.uk/forum/showthread.php?490321-Lloyd%92s-idem-CCA-return&p=5150881#post5150881

and was told it was illegible / incomplete.

Nothing from the Halifax one back.

Should I get two new CCA's running ?

and do I send them to the Claimant on Claim Form ?

( Idem Capital ) ?

I am doing a lot of reading at the moment of past similar case

s- but just uploading this bit, as I dont want to lose the draft.

( kids bed time )

This Claim form is the first real threatogram.

I have NOT received a PAP letter.

They didnt send a LOC as part of the PAP process?

Oh my... This could get interesting if they didnt...

Hi fkofilee

I have just found a letter - not headed Letter of claim or anything but has following details -

Current Balance £4500

Original Vendor Lloyds TSB

Date your account was purchased by Idem - *** ** 2015

Balance at the point of purchase by Idem £4500

Date of agreement **** ****** 2002

Parties to the loan - **** *********

I cannot find the rest of paperwork - but it does say we are in the process of referring to our litigation dept.

so this COULD od been it - so sorry to confuse.

I have logged into MCOL and done acknowledgement of service, and defended all.

I will also send a CPR 31.14 request to send signed for to Claimant in the morning.

Hi just a quick question re : CPR 31.14 request.

With regards to the formal demand ( Part 5 of particulars of claim )

I thought ONLY the original creditor can issue a formal demand ?

Thanks

can we have the particulars of claim

EXACTLY as they are written on the claimform please

that doesn't look like an IDEM POC to me.

dx

hold off on rushing around sending CPR/CCA yet please..

dx

Cheers DX !

This is EXACTLY as written - ** please note they have inserted two ' upside down question marks ' ( could be a typo ) - i have input these here as normal question marks.

1 ) Agreements between halifax / Lloyds TSB and the cardholder ( D )

2 ) The balance of the accounts were legally assigned to the Claimant ( C ) 17/06/2015

3 ) D accrued balance *** A/C 1 ? Credit Card o/s bal £4500

A/C 2 ? Credit card o/s Bal £4500

4 ) D defaulted on payments

5 ) C issued Formal Demand requesting payment dated 03/01/2019

6 ) Amount now due from D £9000

That is it Ad Verbatim.

Thanks

thank you.

this could be fun as I doubt the assignments WERE on the same day...!!

do the usual

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

….

you must send 2 CCA requests

one for EACH ACCOUNT

Yes indeed should be a big bag of fun !

Yes will do all of that - thanks DX !

Hi All

Probably a Silly question - I have filed electronically on MCOL - adding in my email and phone details on the form. Are these ' visible ' to the claimant ? ?

As I do not what them having my details ? ( and only just thought about this )

Thanks

No if you did it on mcol website

Just dont put them on their copy of the n180

Phewee ! Thanks Dx

Can I please check my defence file date --

on claim form I have 15th January -

so plus 33 days comes out as sunday 17th February.

So I have worked it as the preceeding friday 15th february.

( its just the acknowledgement of service pack says 28 days )

thanks again

Already explained in post 16…….......

Ok thanks DX

Good Morning All

just using my downtime reading a lot of cases. Just a quick question - as I'm preparing my defence.

they have stated in theyre POC.

D defaulted on payments

Because they have not worded ' Issued a Default notice ' should I use something like this....

Paragraph 2 is denied I do not recall the nature of any breach Therefore I have sought clarity by way of a CPR 31.14 request sent signed for ***** and shows as received signed for ***** The claimant has yet to comply.

or just go with the standard default response of :-

Paragraph * is denied. I am unaware of any service of a Default Notice pursuant to section 87 of the consumer credit

Act 1974. I have sought verification from the claimant regarding this matter and they have been unable to comply.

Thanks again.

probably the latter but no rush yet

not due till the 15th