well after a long battle and many letters Idem (idiot-demensied-evokive-morons) finaly agreed that i was in a agreement with Black Horse and stopped charging interest , they sent a final response and a C/Q for £50.00 for the danages they caused me with unnessary phone calls. well this was not my fainal response , i sent a further 2 letter asking for my mony back and recieved no reply. by now i had paid the debt off i recieved a letter telling me my account was now satisfied and my requests for repayment would not be met. I then sent a legal letter (before court action) and recieves a letter from a director saying they were going to re-open the case (10 days ago) so all is not lost. i will go to court for £35.00 it would be well worth it just for the sake of it. If i win and they do not pay am i right i cannot use Balliffs or high court agents to collet as the amount claining is only £259.00 2 hours later post man brings me a C/Q for £272.00 from the itiots so it pay with IDEM(idiot-demensied-evokive-morons) to keep writting

cca request sent signed for and received on 16 dec but no reply as yet how long do i leave it ???

it was a secured loan going back some 20 years original owner Ceder holdings to be fare Black horse have been very good its just this Idem people

Several months ago i received a letter from Idem saying black horse had sold my debt to them at the same time i received a letter in the same envelope from Black horse confirming this, Both letter stated that if i was on a scheme this would be honoured, Black horse froze interest rates on my account in 2007 i was on a repayment only scheme, i thought nothing untoward until i received a letter from idem saying to ring them to set up a payment plan, The amount owed differed from what i actually owed, i rang them and they told me interest was being charged, i explained i was on an repayment only scheme. They said they would write to Black horse, i left it 3 weeks and contacted Black Horse they have not received any letter, However they said they would pursue this and made 2 telephone calls to them i phoned Idem and they confirmed they had received the calls, Now 2 months down the line and 5 letters latter to Idem , they have not replied or made any effort the honor the agreement with them or Black horse, any ideas or help please both my wife and myself anr well into retirement age and don't want the aggravation of these types

Advive need i picked a a CCJ from barclay a little over 6 yrs ago whilst i was unemployed (its still been paid monthy) the original debt was around £350.00 the remainder £670 was made up of there charges Total £1020.00 DO I HAVE ANY CHANCE NOW OF RECOVERING THIS MONEY FROM THEM ??