Hello, I have an unsecured loan (Lombard) from 1997 due to major debts around that time arranged £10/month token payment. I borrowed £5k and have repaid £2500 so far. I offrered £3000 in 2007 when I sold my house and had a small balance to clear and they refused - they say the total of the loan with interest was £7500. I now have Arden contact me and on the income and expenditure form have asked for property value/mortgage outstanding etc. Does anybody know why they ask, my loan was unsecured? thx

Hi I would like to send a letter to my loan company offering them an increased payment monthly to clear off the arrears on my account. I have completed a budget sheet and will include this with my letter. Is there a template I can use, or can someone help me with the wording please. I have received default notices and i think the lender is taking legal action and looking to repossess. I want to stop this if possible please. Thanks.

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

hi i was wondering if anyone can help/advice me i have secured loan that is now with idem of which i was in a payment arrangement of £150 a month as my partner lost his job they accepted this then went ahead served with court repossession papers i had only just spoken to them they forgot to mention that court action had already started, i have told them that i can go back onto full repayment soon as my partner gets work i have been in payment arrangements with them for approx 2 years the shortfall in payment to them now is my partners car insurance payments as there is just no jobs locally im at my wits end with them any advice would be appreciated

Hi All, I've been paying Arden Credit Management for a few months now (after Moorcroft passed the debt on to them). This was in relation to a Lombard Direct loan. I've not been missing payments, but I get a letter every month, stating: "We wrote to you recently to advise that payments are not being received in line with our request for you to commence repayment of the remaining balance. We now require payment from you." I've paid by the due date and every time, I've requested the authorisation number for the payment. I've seen in another thread that Lombard have ceased giving out loans. They do, however, send me a statement once a year and notified me in writing that Arden were taking over the administration of my account. I am currently paying them £15 per month, although I'm on JSA. I'm going to phone them - I know everyone says don't, but I'm confident enough to do so - and inform them that the account is up-to-date and they should stop wasting their time, as I have proof of all payments. I will then offer them a new repayment plan of £5 a month. If they refuse, this will be reduced to £2 a month and then put in writing. If they don't want to accept it, that's their tough luck. My question, however, is this: If Lombard have ceased trading (as stated by Cerberusalert in another thread) then presumably the debt has been bought by Arden. Is it worthwhile me sending a CCA request if they refuse my payment offers? I'm not trying to avoid paying, just trying to fight incompetent bullies, using their own tactics - I want to legitimately clear any debt owed, but I cannot afford to do it on their terms. If the worst comes to the worst, I own no property, have no appreciable assets, no savings and my only income is JSA, so if they wanted to take me to court, my response would be, "Go on, then." I have nothing to lose, but would a CCA request be a waste of time and what little money I do have? Any advice gratefully received. Thanks

Just had a completely ridiculous experience with the FOS. Rather than rewrite it all here it is part of my thread in the Debt Subforum http://www.consumeractiongroup.co.uk/forum/showthread.php?376861-1st-and-second-mortgage-negative-equity-on-property-what-happens-next (The FOS comes into it towards the end, if you don't want to read the entire story )

Hi All Slightly complex situation but here it is, any advice appriciated. Overview We have a mortgage with NRAM and a secured loan with Picture>Webb>IDEM. We cannot make payments and are in default. NRAM looking to put us on a voluntary repossession scheme which are happy with. IDEM have had us is court. Today was the third hearing and they didn't show as they cannot find the correct Deed of Entitlement information, witness statement and paperwork. They asked for Adjornment via letter (not sent to us only the court) but the Judge struck out the claim as they had said they would based on second hearing and paperwork etc beign wrong. What kind of solicitor can best give advice on this? (I.e Conveyencing, housing etc?) Given they cannot prove Deed of Entitlement can we challenge their charge at the land registry and have it removed? Again, your advice is most appreciated!

Hello all, anyone know about second charge and Deed of entitlement? Interesting Case with IDEM Capital, advice required please Hi All Slightly complex situation but here it is, any advice appriciated. Overview We have a mortgage with NRAM and a secured loan with Picture>Webb>IDEM. We cannot make payments and are in default. NRAM looking to put us on a voluntary repossession scheme which are happy with. IDEM have had us is court. Today was the third hearing and they didn't show as they cannot find the correct Deed of Entitlement information, witness statement and paperwork. They asked for Adjornment via letter (not sent to us only the court) but the Judge struck out the claim as they had said they would based on second hearing and paperwork etc beign wrong. What kind of solicitor can best give advice on this? (I.e Conveyencing, housing etc?) Given they cannot prove Deed of Entitlement can we challenge their charge at the land registry and have it removed? Again, your advice is most appreciated!

I've had an Ultimate Reward current account with the Halifax for the past few years. I'm in receipt of DLA and ESA. The £15/month charge is acceptable, given the breakdown insurance, £300 fee-free overdraft, etc. However, I have been paying on average £30/month to them for an authorised overdraft of £650 (my fault, for using the facility, I know!). I applied for a personal loan in order to repay (and cancel) my overdraft, but the response was 'No' because I was 'in receipt of DLA, a loan was not available'. In order to avoid unauthorised (and some authorised, which amounts to either £1/day or £5/day) overdraft charges I have resorted to Wonga, (which I have paid back earlier than the agreements...and have actually saved me money, very surprisingly! Back to the thread title... My DD to EDF for electricity and gas was returned unpaid as I was 64p(!) out with my authorised overdraft (after it had been paid). Yet they permit their own charges! I have had numerous '£5/day unauthorised OD fees' caused by Halifax charges alone (as well as the £1/day charge, between the £300 'free' overdraft and the £1/day fee in excess of £300). None by my exceeding my OD facilities. I'm at a complete loss as to how to move forward with this! Many thanks.

Hello everyone, I'm not sure if this is the correct place to post this...hope so. I wonder if I share a story, if anyone can offer advice please. 9 years ago, due to illness and family tragedy, my husband got into financial difficulty. Via the CCCS, token repayments to creditors were agreed an interest suspended. Since then, payments have increased in line with affordability. We have reapid a considerable amount, but still have a fair way to go. I know some will say, 'why didn't you try to go the non-cca, unenforceable route' but, all apart from one were helpful (I did get SD set aside re Arrow Global as they wouldn't play ball) so did not want to pursue the fight with the others. Fast forward to now and our circumstances have taken a turn for the worse and, due to a reduction in income (husband self-employed and work slowed, loss of income due to ongoing health issues and hospital visits), we can no longer afford the current repayment levels, so we have written to the remaining creditors to explain the situation (and included an up-to-date I&E). The one I would like to ask advice on is Idem. ORIGINAL DEBT TO MBNA APPROX £7800 APPROX MBNA PAID £4400 APPROX PAID TO IDEM SO FAR £2000 Original Creditor MBNA agreed a repayment programme that, provided we kept to until they were repaid, they would leave us alone (which they did). We continued the payments, then in September 2012, we were advised that they had sold the remaining debt to Idem Capital Securities Ltd, but that the agreement would continue (which it did). We began paying the same payments to Idem but, we cannot afford these now. Idem has written (see letter C) saying that they need express consent to process the information in our letter and I&E, either in writing or by a phone call. As we won't deal with any of this at the telephone, the signed confirmation is the only option. DO WE HAVE TO SIGN AND RETURN THIS? WHAT ARE THE IMPLICATIONS IF WE DO? WHAT IF WE DON'T? What we don't want is for them to 'get heavy' with us, because we can't pay what we can't currently afford. If the repayment programme with MBNA was in place and a default notice never issued as a result (don't have one in file anyway), when the debt was sold to Idem, did that terminate the account and could Idem take us to Court if we can't agree on continued repayments? Any suggestions on how to proceed? Thanks Sorry, forgot how to attach copy letter, it's been so long since I posted on here!! Think this should work. Didn't-too small, sorry. Hoping this works. Can someone let me know if you can see this copy ok. If not, I'll try the other suggested method. Stigman, Thanks for the response. Yes we do have our own house (with equity, I'm afraid). You said send a CCA request (to Idem I presume). Is that n preference to a SAR (to MBNA)? Also, do you know anything about the request to sign the 'express consent' letter and whether we have to do this in order for them to look at our chnge of circumstances/I&E? I've got all the MBNA statements so I can look at them with regard to charges and a possible reclaim. How far can I go back?

Hi In 2005 I got the following: Together Mortgage £113000, Picture Loan £33000, Welcome Loan £21000, RBS Debt totaling £25000 credit card debt totaling £ 9,000. PAYDAY LOANS total £1200. I was in great despair as I was going through a divorce had an ectopic pregnancy and lived in a house half built. I was off work due to ectopic pregnancy and was losing money fast. On top of this my step daughter came to live with me and I was trying to help her through college etc. My ex husband was very nasty and he was due to leave the army and I got frightened in to not taking any of his pension that I deserved for giving up my career to bring his daughter up. He cashed in all our joint policies and left me with nothing but debt. I was in despair literally and had a breakdown turned to alcohol (not badly but enough). I then tried reading self help books to try and change my mind set. I wrote myself blank cheques to all the people I owed and had them on my wall so that I could visualize on attracting money. I won £3800 from a 10p bingo ticket then I got a windfall of £32000. I cleared the credit card debt, got the house finished and reduced the welcome loan to £9000. I still owe the rest, I got the RBS loan secured against the house to free up monthly spends. My house is now worth £136000. I was annoyed though as I have paid over £37000 to IDEM not realising that to settle I need to pay another £42000!! I was younger stupid and scared. I have now rented out my house and I am living in a room, I have started my own company using all the skills I have and have enlisted friends to help me with their trades (I take a small percentage from them as I get them work). [EDITED] It is about visualizing and felling the luck and wealth. It takes only 16 seconds to vibrate mentally and put good thoughts out. I do not ask to win the lottery e.t.c but I try to create ways that I can help myself out of the mess I got in with money. [EDITED]

Sorry to have to use a 'reply' thread but I couldn't see how to start a 'new' topic. I have used the forums previously and have had great success. My wife bought a new car on HP in 2007. Unfortunately, we went through difficult times in 2008 and she defaulted with 'Black Horse'. The car was repossessed. sold and my wife was issued with an invoice for £12k. This was the 'defecit' that Black Horse say they lost. My wife has paid every month towards this debt. The debt has been sold on and sold on again. On 30th December 2014, I checked our credit ratings and my wife's had dropped like a stone. I was staggered to see a new company 'Idem Securities' who now say that she defaulted 'their' agreement and they have placed a new default against her name. The debt was defaulted in March 2009 and should one off (by my reckoning) in March 2015. Idem will not respond to any mails or written communication. The debt is 'defaulted' under the original HP agreement as well as by this new company. What can we do please? Stan

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.

Hi all, I'll try and keep this straightforward as best I can in the hope of advice please!! My partner took out a secured loan for £24,000in Oct 2007 with Black Horse. She defaulted on the agreement in mid 2008, fairly early on due to personal problems which I won't go into. She still, however paid what she could to service the account. Obviously, the account fell into arrears and was defaulted. Long story short, just after we got together, she was honest with me and let me know about the debt, so we agreed that we would start paying the full monthly payments as we could just about afford it now. Around about June-ish 2011, we had a Black Horse 'customer service adviser' turn up unannounced on the doorstep. We welcomed him in as we wanted to get the debt back on track. He told us that if we paid twelve months at the regular full repayment amount, he would 'sort something out' about freezing the interest on the debt until the arrears were cleared and then we could continue paying and although it would take us longer, the debt would run it's course. We agreed to this and continued paying until about six months later when a different 'customer services adviser' turned up unannounced chasing the arrears. We explained what the first guy had said and the second guy duly froze the interest for three months as a concession. After the three months we called him and asked where do we go from here? He told us just to keep paying and he would sort something out. A couple of months later we called again and he got the interest frozen for another three months. Then he washed his hands of us and referred our calls to the customer service centre. I called time and time again asking where do we go from here with the debt, we were happy to keep paying the full payment, but we wanted something sorting about freezing the interest until the arrears was cleared. They just kept sending arrears statements. I kept calling asking about the agreement we were promised with the arrears and eventually in January 2014, I spoke to a woman who looked at the account and said ' to be honest, it does look like your interest is a little bit high' and she proceeded to freeze the interest for six months. Fast forward to June 2014, and the end of the interest freeze. We receive a letter from Idem Servicing, saying 'Welcome to Idem Servicing' and they go on to tell us to keep up any 'arrangements' that She had with Black Horse with them and to make payments directly to Idem as they had bought the debt. In the SAME ENVELOPE and SEQUENCIALLY NUMBERED from where it had come off the same printer, was a 'Black Horse' forged letter, addressed to my partner NOT TO Idem (had they intercepted her mail?) saying that her debt had been sold to Idem. There was a scribbled signature on it but no name of a Black Horse employee for reference. We were dumbfounded and tried to make our payment online to Black Horse as usual that month, but couldn't log on and the system didn't recognise the sign on account. We didn't pay Idem because, we didn't trust what was happening, and after researching further trusted them even less. We have never tried to run away from this debt and have payed regular as clockwork for the last few years. At the point that when Black Horse 'sold' the debt £25,227.31 had been serviced to the account and obviously we are not willing to just write that off. Idem called and were told to correspond only by mail, so they sent us more letters sying that they were putting interest on the loan and that the balance was going up from the outstanding balance of £26,838.77. Myself and my partner were temporarily seperated at the time and she offered to pay Idem £275 per month if they froze the interest until the arrears were cleared. They wrote back telling her that they would let her know once they had referred the query to BH and they had a response?? We sorted our differences and we are back together for good, and I saw the Idem letters and started reading CAG forums and I questioned Idems legal purchase of the debt and asked them for a NoA and CCA. I also SAR'd Black Horse. I sent both recorded and they were signed for on 14th Oct 2014. Idem didn't acknowledge and after the 10+2 days, I defaulted them on the CCA (I got the template off here) and I told them that I doubted their legal entitlement to collect the debt, I acknowledged NO debt to them. In the meantime (since I CCA'd them) the phone calls have continued (I just hang up) and the demands for money have arrived. They threatened to send their field agents Excel around, so I sent them a don't bother letter, no legal right (got the template off here). Anyway, this morning, NOTICE OF INTENTION TO DEFAULT from Idem plops onto the mat, informing the Mrs that; 'despite our attempts to assist you, you have failed to contact us to agree an acceptable payment plan' blah blah 'if we do not hear from you within 7 days of the date of this letter (dated 4 days ago), we will issue a default notice and then instruct the company's solicitor to commence proceedings for possession of your house'. Long winded I know, but can anyone give any advice as to what I should do please? Thanks, Dean

Hi I am in a DMP with IDEM and I have received a letter from them asking me to contact them as my arrangement to pay has expired. I really do not want to call them and go through an I&E as my circumstances have not changed with regards to my ability to pay. Does anyone have a sample letter that I can use to send to them to say that I wish my payments to remain the same? Thanks as always for your invaluable help

Hi All Please bare with me here. I had a car finance in 2007 and in around 2009 I gave the car up because I was made redundant which I thought was the best thing to do. As I had paid less than half the loan back they sold the car and I was left with an outstanding debt of around £1500. I still believe to this day that I have was well and truly stung because the price they sold the car at. Fast forward to June 2014 and I receive a letter from Idem servicing saying that they are taking the debt on and that my normal payment plan will continue. Reading some of the other threads I have seen this company pop up but it seems to be only dealing with MBNA and Loans that are secured on properties. I have tried to contact Idem by email like it stated in the letter but to this day have had no response from them. I have drafted a letter together for a CCA request but in the past I know that this doesn't always help because of the case between someone and HSBC with the judge stating that a copy is enough evidence to prove. Im slightly worried that they have not contacted me further by phone or email to try and arrange further payment. Also I have a mark from black horse on my credit report which will be in the 6th year in July 2015. Will idem put another mark on my file or because its the same debt will it still disappear after July 2015. Any help would be appreciated at this moment in time Tom

I previously held an Egg loan with an agreement for payment over 6yrs, on the last year of my account I had to go on a DMP. The Loan was taken on by Moorcroft who were charging 8% interest on the outstanding balance of £1800. In short are they entitled to charge 8% apr as the interest from the original Egg loan was front loaded so I had only capital left to pay? I have received further corespondance from Moorcroft today saying that Idem will now be taking over my account. I understand that they are under the same umbrella but are they any worse. Incidentally moorcroft have been marking my credit file with 6's for the last three years despite me being in a DMP with payment. This is incorrect surely? Finally will Moorcroft have to provide me with a deed of assignment for the transfer of the debt? I have had only what appears to be a letter informing me of the transfer. Thanks in advance for any help or advice.

Hi All, Well just helping a close family member, 2 years ago my Dad was declared bankrupt and the Halifax joint account was over drawn by £1k. Therefore my mum who is 75 had been paying £5.00 month and the debt has never reduced and is now £1,500.15. Due to illness my dad has had to finish work following some under lining heath problems and now started his treatment. So they have no income apart from state pension, they have had to claim benefits to pay rent etc, but can not pay the debt. We have written to ask for the debt to written off as a 75 lady no job no income and partner with no job also 70 can repay. Yep they refused and state she has to repay in full. What can we do to help, the statement Idem sent shows fees charges etc, or should we wait for the court action by not paying, they have no assets or funds Can anyone help at all

Hi, I have idem servicing hassling me for money. They keep ringing me and I told them they were breaking the law and they were to write to me. So - they write to me telling me to ring them!!!! I have no idea which account they are on about as they have not given me any details! I have emailed them and told them I refuse to do anything for them until they outline exactly which account it is and what the problem is. If they persist - is it the FoS I complain to?

This loan originally for £4079 (including Optional Loan Repayment Insurance), defaulted in 1993, and token payments have been made ever since. The balance, stated as £3267, was transferred to Idem about a year ago and since then I have been paying them the £20 a month I was previously paying to Lloyds. They are now requesting a review of my financial situation and asking for very detailed information. I decided to request a final settlement figure from them, to which they replied asking me to propose an amount and still asking questions like 'what would be the source of funds' and 'what other debts do you have'. I would be willing to pay £1500 but am not prepared to answer these questions which I think are irrelevant. Also, if they persist in asking for personal information, what would be the consequences of not complying and either stopping payments altogether or continuing with the previously agreed payments. My questions are what course of action is it best to take, and what's the worst they can do to me if I don't cooperate? After 24 years I just want an end to it all!

Hi there, I wondered if anyone can help please? I stupily took out, in total a £58k loan from Picture and then got into difficulty. Picture then froze the interest when I got into arrears. I was single, living alone and panicking about my finincial situation and this option was put to me via a broker (who's now bust) I have £6,500 of arrears from 2006 but kept paying the same original agreement amount of £660pm. Other things suffered as a result but I just had to keep a roof over my head! I didn't keep a track of it but just paid every month. I've now taken my head out of the sand and am trying to find figure out how to get my self back up straight. I got a statement from Idem after I requested it and have just found out a) I had a £9000 PPI policy added to the loan when I first took it out and b) when Idem took over, they lumped £26k of interest from the previously frozen interest!! Twenty Six Thousand Pound! How much??!! Help!! I'd got the balance on my loan down to £37,000 before Idem took over (based on their statement) and added the £26k. In total I know owe them £63,000 after 6 years of paying £660 per month (excluding the peirod of the arrears). My first thought is to contact a mortgage solicitor to see if the whole thing has been missold, do something somehow to get the £26k interest taken off and then (or all at the same time) contact a company for a PPI reclaim. Has anyone had any experience in proving a mortgage was mis-sold, getting the interest back, reclaiming the PPI or any other advice in how to deal with these people? I just don't know where to turn!

With respect to the MBNA accounts there are no negative markers against these accounts. At the current rate of repayment they are due to be paid in full in approx 18months time. I would just assume they would stay on my cra as no default was logged against them. Surely these will just show as settled in full or will they be removed once the final payment is made? I'm not looking to F&F these two accounts purely arguing whether they are enforceable by correct execution of the CCA.

Hi. new here but i recieved a letter this morning from MBNA stating that my outstanding debt with them had now been sold to idem servicing. along with this letter was another letter from idem servicing detailing new account numbers to pay them ,needless to say i have not done this i called them and i was told that i was going to have to fill out and expenditure form so that they could then work out an amount for me to pay them back. when i asked why i had to do this i was simply told, this is how we do things. i then asked ' so are you saying you work out what i need to live and then take everything else?' hesitant responses and avoiding the question was all i got i have been paying mbna back for a while now and they have been very helpful so i am unsure as to why this has now happened .idem have also said that my original payment agreement with mbna will not be honoured. now i was happy paying off my debt etc b ut i am getting a suspician that i am now going to find myself in a whole world of trouble with idem, nothing seems to add up and i now find myself quite stressed and concerned that i am now in a worse off situation. any help and advice would be very gratefully recieved

Hi, Please can you help and advise. I tried the CAB but they were not much help! My father in law died last September. My wife (his daughter) is trying to sort out the estate. Probate has been granted. The estate is small. His only thing of value was his old mobile home which will be worth about £40K when all the payments are made. It seems from paperwork that at some time my father in law had a MBNA credit card and had problems paying it. The debt then seems to have been sold to IDEM Servicing and they had three accounts regarding the debt. One about £5K, one about £2.5K and one about £700. My wife contacted IDEM to settle the accounts who then, without informing us sold or passed the debts on to Philips and Cohen. Philips and Cohen sent us bills for two accounts which she has paid. She called IDEM about the third account, (£5K), to be told that everything has been passed to Philips and Cohen. Philips and Cohen were called and state they have no details of any other account. Back to IDEM who refuse to confirm if there is an outstanding account as they now want a copy of the death certificate! We have now sent letters to both IDEM and Philips & Cohen, with copies of the death certificate and grant of probate. We have told them we require to be told within 21 days of any outstanding depts. Or we will assume there are none and settle the estate. The question is: If we do not hear within 21 days will either company be able to make a claim against my wife when the estate is settled? (She is not a beneficiary of the estate). Obviously we do not want to end up out of pocket ourselves but are fed up with being messed about when all we want to do is pay off his debts. We will also now be placing death notices in a local paper and the London Gazzete. Any advice will be greatly appreciated. Thanks Mottsy

Hi there. I am here for some advice! I have many debts in long term default, for some time now I have had agreements with my lenders or their debt collection agencys amicably paying back affordable monthly ammounts. A few months ago one of the smaller and older of these debts a Lloyds credit card which had defaulted over 10 years ago and since paid back over a very long time at 5 pounds a month with approximately 400 pounds left to pay was aquired by debt buyers Idem servicing. There are many threads about them here detailing similar experiences. their hallmark seems to be the stubborn insistance that the debtee fill in an exhaustive income expenditure form before they will discuss anything. I am not inclined to do this, I am aware they cannot legally require this. I want to offer them a slightly improved repayment agreement via standing order without completing this somewhat insulting and invasive form. From what I have read here they will refuse and make threats to pass it on to their in house CCA Arden. As such my question is legally what can they do??? Can they put a debt already defaulted many years ago back onto my credit file? They are now cranking up the pressure with phone calls (as late as 20.40) and innumerable texts. some pertinent facts of the case. 1. They are now the legitimate owners of this debt (confirmed in writing from Llloyds). 2. The debt is not currently on my credit file (checked) 3. The debt is not statute barred as it has been consistantly paid (albeit at a token ammount) many thanks in adance! Simon.