anm72
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Everything posted by anm72
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yes this is the only of the debts that has remained everything else was wiped off. is there a copy of the failure to comply letter on here
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what is my next step now ?
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oh yes the ppi was very nice as was the card protection reclaim
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Hopefully attached to this post i have noticed 1 interesting thing on the credit card agreement page 3 the address is my current address not the address i took the agreement out on.
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just to give more information on what i have recieved it is the application that was sent to me through the post for me to complete and send back with the conditions of use and the credit card agreement regulated by the consumer credit act 1974. the only signatures are mine on the application form which was dated 10/5/95
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i have just recieved a copy of the agreement and it look original is there anything else i can do or am i well and truly snookered now ?
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today i have received a statement from idem telling me my account is now 2 months in arrears and to make immediate payment, yet they have not responded to my request for the cca do i just ignore them ?
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Thanks for the advice what is a sd claim
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i sent the cca on 8th october which i have a signed for receipt on 10th october how long do i have to wait before i take the next step and what is the correct next step to take. I have heard nothing so far which is pretty much what i was expecting. Thanks in advance for your help
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thank you which s77,78,79 do i nedd to delete for credit card debt
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Hi I need help with a cca. i had a debt with mbna now bought out by idem i have tried to settle this without success and can no longer afford monthly payments. Is there a template to send to request the cca for credit card debt. This debt does appear on my credit file showing as arranged payment from 2010 to 2012 then up to date since idem took over.
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Call me naive but I didn't challenge debts as I knew exactly what they were and they were all with original creditors, I was surprised they settled for as low as I was expecting to pay considerably more than I have. The only issue I have is with a debt sold on which I would have thought would have been easier to settle. Are you telling me they will still try and get more money back after settling
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Dmp was arranged by me
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If they manage to provide the cca does that mean I am screwed
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So to get this straight if they do not hold the cca I can refuse to pay and eventually they go away
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i have had the ppi from that along with everyone else that screwed me for that had a couple of nice holidays on them for that this where i dont understand it if i go for the cca havent i acknowledged the debt by paying monthly for so long ? also if they cant produce the cca what happens then ? wont they produce some reconstuted thing and say you have been paying go away ?
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i cant remember it would have been mid 90s i signed up for it a football stadium (i only got it beacuse it was a west ham card dont hold it against me)
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right from the start i have wanted to be fair i have settled at a lot less than i was prepared to pay for the debt in most cases, i have not been unreasonable and just wanted to do things the right way and reach an amicable solution i can do without the stress of it, all of the companies have treated me fairly over the years agreeing payments that i could afford and not forcing me to over commit like some horror stories i have heard My issue with idem is they will not be reasonable and i want to know the best way forward is it paying off the full amount that i can afford or do i fight them because they are arrogant **** who dont care what they do. if i fight them how do i go about it
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i am not overly worried about that as its correct i was in a payment plan in 6 years it will come off and i am not likely to want credit again. i never want to go through the pain of the last few years in my lifetime
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What is the AP marker? Yes i was in a DMP i had arranaged one with all my creditors as i wanted to do the best i could, it was all my debt and like lots of other people i was stupid although well helped by banks and cc companys giving inflated borrowing levels
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it is on my credit file not showing as a default it was showing as a arrangement plan until idem took over and now is showing as perfect n other debts are on my credit file now
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Thanks for the advice but i was looking for some advice on the one not settled if anyone can help with this that would be fantastic
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Hi I am looking for some advice before i start i know will have broken every rule going in dealing with my debts. I have had 4 debts since approx 2007 which i have been paying by arrangements ccj etc originally totalled over £20k, i have come into a lump sump of money to pay off these debts and worked out with some negotiation that i coud clear my debt now totalling 13k. With 3 creditors i have managed to clear them over the phone at about 50% which i was happy with. I have 1 debt left which is just over £800 an old mbna credit card which has been sold on to idem when it was sold i didnt really pay any attention as my monthly payments were the same as before and life just carried on. Now i am in a position to offer a settlement of £450 to settle but idem will not settle for less than the full balance owed. What can i do as i want to be clear of them ? they also want a full income expenditure which i dont mind as i can rig that in my favour i am guessing that by just accepting the payments i have accepted that i acknowledge the debt to them. Any Advice gratefully received also please keep it as simple as i dont understand lots of Jargon.
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