bigboysmithy
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Posts
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Idem will not answer questions, such as do you own the loan or are you just servicing it, was there a mortgage indemnity guantee, if so has it been claimed on etc. These are just the start, this loan has changed hands several times and none of them will respond to questions.
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There are lots of us in the same situation with former picture loans, had mine 8 years, wife got cancer 3 years ago and now owe £63,000 on a on a £60,000 loan. like you interest rate only went up. I did query this with web resolutions and could only get a response of we go on market rates not bank rates. I switched my main mortgage to interest only as to not pay anything off the balance as i see i'm paying the extra for Idem to take eventually. My payments should be £585 a month and i had a years agreement with web to pay £60 a month but now that has run out I done an official offer to Idem for £40 a month. Like you we have all been robbed, with hindsight i found our wage slips when we took the loan and it should never have been lent. There are some things in need of attention around the house but i won't pay out if Idem are likely to take the house at some point. I am currently trying to get some information off Idem and Webb but they seem reluctant to reply probably due to there fraud.
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I have official offer in place for £40 a month, they don,t seem to respond to questions.
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That's all we have been sent
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The agreement
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the card was taken out in july 2008 and the last payment was may 2013. the claim is for £1950. There is no ppi. The defence was based on it being unsigned by the creditor and the default notice not showing address of creditor outstanding balance and no mention of legal action. i will put the terms and conditions on here.
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dx100uk yes she did have the card and i have had a bit of help via freeman of the land sites and read stuff on here. i don't have any legal knowledge so just trying to learn from others.
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drydens fairfax have just applied to have a stay lifted and proceed in court. we were sent 2 default notices 2 days apart. The 1st one i believe does not comply with the consumer credit act, no crediter address and no mention of legal action. The 2nd one amends these points but the figure is different. I believe that if a default notice is incorrect they cannot send a new one out. Any help or advise would be great as not sure if this is right.
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I have been doing a bit of research and believe the default notice dated the 12th August copy sent by drydens does not conform to the consumer credit act, no address of crediter and no mention of legel action. The one dated the 14th is what I believe to correct their mistake but I understand that once a defaullt notice is issued incorrectly you cannot just issue another one. Advise on this would be great.
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Today my wife received a package from Drydens with a copy of an application to remove a stay and proceed in court. It was stayed on the 28th Dec 2013 after they never came back to court following sending our defence. Brief outline wife got cancer credit card unhelpful when couldn't pay so didn't pay. Sygma bank wouldn't supply information asked for and issued default. drydens also wouldn't supply info but eventually supplied copy of agreement which we noticed although signed by my wife it was unsigned by the bank. I am defending the case under POA as my wife is still having treatment and is suffering from depression. We were defending on the agreement unsigned by the bank and not being supplied with evidence of the debt. Today I noticed the copy of the default notice drydens enclosed is different to the actual default notice we received. They are even dated 2 days apart. Also does a default notice have to tell you the outstanding balance?. I have attached both notices.
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I am in the same situation, picture loan now with IdEM about £9000 in arrears and owe more than when I took the loan out 7 years ago. I am currently paying £60 a month which runs out next month instead of £585 and this loan will never ever be paid. I am currently in the process doing an offical offer and I am not going to fill out there icome and expenditure form as only a court can make you fill one out.
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