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About Gram1

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  1. Hi. No, haven't been via FOS yet. My requests for wiping arrears has all been verbal so far. i suppose i would need to put it in writing and get their rejection in writing before going down the FOS route. I regularly request a balance figure and also you can view it online on their website when you login now, so i can see that it is coming down as expected. I also check this with them every time i speak to them, for piece of mind, and they confirm too.
  2. Hi Sorry in advance this is so long winded..... I have a secured loan with Idem. (originally with Picture Loans, but when they went bust it was bought by Idem several years ago) I have permanent 0% interest on the loan, as agreed originally with Picture when i got into financial hardship with them, and after some initial difficulties with Idem (when they tried to add interest back onto the balance when they took it on), this frozen 0% interest is now carried forward also by Idem. They acknowledge it and the balance now reflects it. My balance owed to Idem is approx £40k and
  3. Thanks for the update. Very interesting to see how others are getting on when dealing with Idem. I am in a situation with Idem just now - a very odd one - and looking for advice, i'll start my own thread.
  4. sorry, i can't remember exactly on all of those points, but i'll try to answer them. Ours wasn't a car loan, just a normal unsecured loan, so that wasn't an issue for us. I explained why we got into difficulties with the payments and fell behind (bereavements, lowered income ) I do remember we received forms that looked similar ie TIme to Pay and Time Order. I cant remember which one we filled in or what the difference is. perhaps someone else on here can help you with that one. Yes, ours was joint. Again i can't remember exactly, i think we filled in both forms (one on behalf of me
  5. I am in the EXACT same situation. I owe about £450. I have told them i can pay £10 per month for 2 months, then can up it to £30 per month after that. They wont accept any sort of repayment plan without me sending in the same documents as they have asked from you. I am happy to send in my own I&E form, but certainly will not be sending them a 14 page version or my bank statements. no way. Both Uncle Buck and then PlanDeal have taken the same stance and say they will not accept any plan without these documents. I have informed them i will continue to pay them as advised regardless of
  6. Whatever happend in the original court case here, does anyone know?
  7. Hi Why is MIF on a 2nd charge a no no? i have it from welcome on a 3rd charge. What does this mean and what can be done?
  8. Hi I am £500 overdrawn and all of it is charges. There was an original £36 charge which i got because my account was overdrawn by £30 for a few days the previous month. I couldnt afford the £36 charge that month therefore my account was overdrawn by the £36 charge for a whole month. This then resulted in them adding another £180 in charges for being overdrawn. Obviously i cannot afford this either so the same thing has happened again and the current state of affairs is that i am £500 overdrawn - all of it is made up of the charges. Surely this is unfair that they add charge
  9. Hi Sorry, first update since starting this thread. Idem have been chasing me to complete their income and expenditure form .they are happy to maintain and accept my reduced monthly payment arrangement but insist the form must be completed for them to agree to this. I'm still considering whether to fill it in but i probably will just to get them to stop hassling me. the more interesting issue with my case is that despite me having the interest permanantly frozen by Picture, i asked IDem what my current outstanding balance was and the figure they gave me seemed far too high. I ch
  10. Hi I've had a Picture secured loan for several years now. It has arrears but we have agreed a permanent reduced monthly payment and permanent frozen interest. Yesterday i received a letter informing me that from 26th September the loan was being sold to Idem Servicing and all administration and collections from then on will be conducted by Idem Servicing, as Picture will no longer own the debt. Has anyone else received something similar? Has anyone ever heard of this Idem Servicing mob / what are they like? Will this affect my arrangement of reduced payment/zero interest?
  11. Hi tm77 I didn't fill out any forms, i simply phoned the PPI complaints number from the Halifax website and the guy took all my info down and said that was enough for them to investigate the complaint. At the same time he also informed me about a Bank of Scotland loan from years ago that i had forgotten i ever had, and asked if i wanted to complain about that too. Which i did, and i received the same offer for that too. Result. With regards to what i said, for the TMPP i said that we were told we had to have it to get the mortgage, we were told we couldn't get it from anyone else
  12. I already have claimed, and bizarely i received a reply yesterday! They are paying back all premiums paid plus 8%. Result.
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