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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Hi guys a pointer on this one please, i sent off a CCA on 28/06/2018, had the normal letter back saying they couldn't find the T&C/Contract but will carry on looking.. roll over to Friday 21/9 i get the T&Cs in the post.. there are 2 things that is wrong in the T&Cs, 1 the address is my currant one and not the address when i opened the Acc and 2 the £10 yearly charge that i know wasn't on there, also my signature is not on there at all, the Acc was opened in 95. i think what they sent me is all kack. what would be the way forward on this?
  3. Hi ..Just been reading this thread...and it's almost a mirror image to my nightmare. http://www.consumeractiongroup.co.uk/forum/showthread.php?370805-Lombard-Direct-Arden-Credit-Management-Query-PPI-reclaim-now&p=4062117#post4062117 The same players as well ..LOMBARD ...THEN IDEM ..THEN ARDEN CREDIT.... .Who are really turning up the gas on me constantly reviewing my payments to them every few months and constantly pressurizing me . I had the original loan with Lombard taken out september 2000. for £13,300 & PPI upfront payment of £2431.87 .plus total charge f
  4. Hi all Hope everyone is well. Had this back recently - after months on inactivity on all accounts. For a Lloyd’s credit card This is the one and only sheet sent back from Idem. Looks like an application form to me ? Any help much appreciated. Thanks for looking and Bon weekend ! Here is correct picture Lloyd’s scan 2.pdf
  5. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA
  6. Please can anyone help with advancing this? I would be really grateful if a Default Notice 'Expert' could kindly offer me any advice. I have a long standing dispute with a Creditor on my DMP – MBNA/Moorgate (sold to IDEM post complaint Oct 2016). Original creditor MBNA on DMP May 2009, sold to Moorgate 2012, Default Notice from Moorgate Dec 2013 but binned by them (even though letter to terminate agreement thereafter also and no other monthly statements received), they didn't record the Default Notice with CRA either, I have (Moorgate) arr
  7. hello there I received the following from idem Sorry for not naming my attachment , I am new to this technology. Are these documents enforceable? Any thoughts and opinions would be appreciated. convert-jpg-to-pdf.net_2018-03-05_13-25-40.pdf
  8. Hello, I have requested from IDEM my CCA, initially they said they could not find it, i stopped making payments, they have since sent me an application for the cards i took out, dated 1993 with my signature on it, and what appears to be a generic copy of a CCA listing terms and conditions, it has a newer address on this(not the one at time of application) and it states term such as a £12 charge if i go over my credit limit, which i did do in the past but was actually charged £25/£35 ( i believe the lower charge of £12 came in around 2006) therefore what i really want t
  9. Hi Ive CCA'd all my creditors. I have had a response from IDEM for some sofas I had from DFS. They have sent me the original credit agreement I signed in DFS on 24/11/07 with a copy of my driving liscence. They have also sent me a list of all payments made, apart from they have missed off the first year of payments made through payplan. So I am guessing that this debt is enforcable so where do I go from here shall I set up a repayment plan for this, do you think I could try and F&F. Should I enquire about the missing payments? The last payment made to them was rec
  10. Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type C
  11. This is what I received back from cca the dca, I hope ive included what I should img003[22].pdf
  12. Today I received a Claim Form for an old Bank Of Scotland Credit Card debt that had been passed on to IDEM Securities Limited. I had been sending regular monthly payments to Idem via Standing Order, last payment sent was January 2016. I had sent a signed for CCA Request on 28 December 2015 to IDEM SERVICING. The reply to my CCA request was: IDEM acknowledged they were unable to supply a copy and acknowledged until they could do so the agreement cannot be enforced. in March 2016 they wrote again saying they have now received a copy from LLOYDS BANKING GROUP and enclos
  13. -IDEM Services replied that debt is unenforceable as they are unable to provide CCA paperwork, but they refuse to release me from my financial obligations. (£2000) This debt does show my on credit file, defaulted 09/2001 Not sure what to do here, please any help info on next steps??? stop paying ? wait for it to fall off credit file? offer full & final???
  14. Hi guys, It's been a while but things are starting to affect my day to day living once again... Here is the background. October 2007 I purchased a laptop from PC World under HFC agreement. July 2013 HFC transferred an account to HSBC Bank plc. In October 2013 this account then got sold to IDEM Servicing. During this time I was in a fee charging DMP paying various debts off, but I killed them off to attempt my own free repayment arrangement, but due to various reasons, I struggled and put it to one side. On 6th January 2014 IDEM served me with a default
  15. Good afternoon I have today received a response from IDEM after sending them a CCA letter regarding a HSBC credit card They have sent me a reconstituted copy and statement and their letter says that this is all they need to provide and that the debt once again becomes enforceable. There is nothing enclosed that shows my signature. is this now enforceable without the signature and if not what should my next move be Many thanks
  16. Hello I am new to the site always been a watcher and reader. Recently requested a CCA on account that is managed by idem (previously EGG) because it was pre 2007. They have sent through a copy but I am unsure where I stand to whether it is enforceable. I have a scanned copy in PDF Please can someone help me I have been quite successful on negotiating F&F on other accounts and am trying to finalise on others with Barclaycard (Link), PRA Virgin Active. RS1.pdf
  17. Hi, My partner has had an agreement with IDEM services for a repayment plan of 95 pounds. She was diagnosed with Parkinsons in January. She has been without work for 2 years and now she must accept early retirement as she is no longer capable of working. We wrote to idem and her other creditors asking to reduce the figures to a token 5 pounds of which all but idem agreed. I will fill out and income/expenditure form for her to send, as now I am the only earner in the house and so am responsible for all expenses. is there anything I can do in order to get them to drop t
  18. Hi guys been lurking around on the forums for a couple of days using the search function, not sure if this is correct place to make this post so the debts going off my credit report now are (drum roll....) Lowell Telecommunications supplier £1000+ account started 2006 Defaulted 2011 Default every month since 2015 Rang them once or twice going to submit a SAR request under the DPA ------------ Idem Unsecured Loan £3000+ account started 2008 Defaulted 2011 Defaults shows 2 defaults 2016 Rang once or twice going to send a CCA request ------------- L
  19. Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me.
  20. Hello Everyone, First post and first time on a debt forum. So Hi! A bit of brief information about my problem... *MBNA Credit card taken out early 2005 *Mid 2007 I was in a financial mess and an arrangement was made with MBNA for payments of £13 per month until the balance was paid or circumstances changed. *Jump to January 2013 and I check my credit report to find MBNA has apparently changed to Idem. I check my bank statements and my regular MBNA payments have automatically changed to Idem (Nov and Dec 2012) *I called MBNA who stated the account was closed and IDEM now
  21. Hi all, Havent posted in years but I just wanted to find out if anyone has had any good progress with Picture / IDEM I tried to dispute and gave up with all the red tape but after realising that I have been paying on time for 90 months and the loan hasnt moved I have found the fire again... below are my details I stupidly took out a Picture Loan in Sept 2007. the loan amount was for 25000, Picture added 5000 PPI to the total loan so the loan amount was 30,000. I found this out after and in discussion with FCSC regarding this.... Some months I have paid £500 with th
  22. Hi, My secured loan from Black Horse is now with Idem Securities. They are being very fair with their acceptance of our situation but insist on regular reviews. It was a secured loan. They are 3rd charge. I am wondering what legal rights they have 'inherited' IF ANY? However, when we tried many years ago to take out a secured loan they wouldn't touch us as the mortgage we have has a draw down facility on it. Also every now and again we get a month or two arrears on mortgage. The secured loan people never chased us. I was expecting them to try and see
  23. Have read a few threads on this company as I have now had the misfortune of having to deal with them! I have (or had) a secured loan with Black Horse Finance, they have now sold it on to Idem Servicing so it looks like after reading about them I will start getting hassles I guess The first dealings with them are a negative (tell solicitor one thing then tell me something different). Fingers crossed they don't get too annoying!
  24. Hi Sorry in advance this is so long winded..... I have a secured loan with Idem. (originally with Picture Loans, but when they went bust it was bought by Idem several years ago) I have permanent 0% interest on the loan, as agreed originally with Picture when i got into financial hardship with them, and after some initial difficulties with Idem (when they tried to add interest back onto the balance when they took it on), this frozen 0% interest is now carried forward also by Idem. They acknowledge it and the balance now reflects it. My balance owed to Idem is approx £40k and
  25. Hi all, Trying to sort something out for my sister who has got into some bother with Idem. She originally had a debt with Aqua and despite sorting out a payment agreement with them after racking up some arrears, Aqua defaulted the debt when they were taken over by New Day Credit. At this point, repayments stopped being taken for several months despite my sister's attempts to sort things out with the new company. New Day subsequently sold on the debt to Idem Servicing who have been chasing my sister via Moorcroft to collect the outstanding amount. My siste
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