We have ceased current payments to Idem and have request a copy of the original Credit Agreement. Idem have had 14 days to respond to this and failed to do so. we have now sent a second letter allowing 30 days again requesting a copy of the credit agreement under the CCA 1974. see thread on money saving expert on header Unenforceability & Template Letters this provides templates letters to send. Idem also have to provide regular yearly statements however we never eve got this from picture so don't hold your breath. PLEASE PLEASE PLEASE DON'T LET THESE KIND OF COMPANIES BEAT US.....

Be WARNED that Idem are constantly telephoning.......Deal with these numpties in writing only don't let them bully you just because we owe an amount this does not mean that they can use bully tactics.......

We unfortunately fell into arrears with ours because of redundancy howeverwe had PPI but could not claim but that’s another story and been dealt with atthe moment. Idem are now already starting to threaten us and telling us that our home isat risk. I’m afraid they do not scare us with their letters and words. We onlydeal with such companies in writing and not over the telephone this way we thenhave it all in black and white and not said over a telephone call where callrecordings can be deleted and all recorded. We are not at this stage signing the latest document that we have receivedhowever will be requesting a copy of the original credit agreement which they haveto supply according to the Credit Consumer Agreement 1974. any further updates appriciated.

Hi, We have recieved same form today, we understand that this form is to authoise name change of the lender with regard to the charge on your property. We at this stage are not signing this form until we have sort advice. Is anyone have issues accessing the idem website wwwdotidemservicingdotcodotuk? (replace dot with.) I have seached the internet and not finding it anywhere. This is the web address supplied on the letters by Idem.

Hi, We received a letter stating that Idem Servicing had bought the loan from picture and that we have to start paying Idem. We have a reduced repayment plan with picture because of hardship however they have not stopped our interest. We received a call from a blocked number this weekend and they announced as Idem and wanted to go through security but as I explained to them who ever it was calling from a blocked number how do I know they are who they say they are. I have demanded that my telephone number to be removed and write to me if they say who they are. Any one dealing with this company deal in writing ask for your number to be removed we have that right for that request. Telephone call recordings can be deleted and no evidence. I think we will be having fun and games with this company the numpty I spoke with starts to raise there voice and kept over speaking. Anyone else please keep us all up to date with your issues with this company.