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Found 23 results

  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 ..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
  3. 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
  4. This is what I received back from cca the dca, I hope ive included what I should img003[22].pdf
  5. 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
  6. 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
  7. 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!
  8. Hello I have two Student Loans dating from 1995 and 1996 that I took out whilst at Aberdeen University. For many years I deferred them with the SLC with no problems until 2011. In 2011 whilst self-employed they refused my deferral due to the chap that I was sub-contracting for not writing the letter regarding my income on headed notepaper. I probably had some communications from them which I ignored as this was during a spell of depression and ignoring my debts. Back to present time, and this week I have received a letter from a company called Thesis Servicing (
  9. 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
  10. 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
  11. 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
  12. Hi not sure if this in the right forum. Thanks in advance for any help or advice people can give. I have a 9 year old Combi boiler which for the last 5-6 years has been serviced annually by one of the large utility companies under one of their boiler care schemes. Prior to this the boiler was maintained annually by their main competitor. I have just had to call them out due to the boiler failing to work and dropping into the protection cut out mode when heating or hot water was operated. On inspecting the boiler it was found there were multiple minor leaks from pipe work aroun
  13. 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.
  14. 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
  15. 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?
  16. 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
  17. 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
  18. 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 o
  19. Hi, I was in business with a friend and it was set up at a Ltd Company. We took out a 3yr lease on a retail shop in personal names. However our working relationship broke down I could not longer work with her. I agreed to sign my shares and profits in the business over to her upon her agreeing to take on all liability including the lease. However it has been over a year since I left and my name is still on the lease. My ex business partner has not been paying the rent on the shop since Decemeber 2012 and the Landlord is now chasing me for money. I want to know if I have a c
  20. usual story, MBNA debt sold to these clowns, who assumed that our agreement with MBNA to pay £24 a month meant that they would get the same, not a cat in hells chance, came into some money offered a F&F but they wanted an I&E (fat Chance), we offered £10 a month, they still insist that they cant accept any offer without an I&E, we set up a standing order anyway and have been paying that, They have now come back and Threatened to pass this on to a debt collector (arden) This is like a red rag to a bull raised an official complaint
  21. Hi All, I am currently trying to negotiate a repayment plan with PRA Servicing Ltd (they are dealing with it on behalf of portfolio recovery associates ) and they have not replied to the letter I sent them. Does anyone know of any email addresses for them, I wanna chase up their lack of a response but IMO they are not worth the price of postage so want to email them instead. Any help from you guys and girls would be much appreciated
  22. Hi all My Parents a few years ago took out a contract with SSE to service and maintain their gas products ie fire, boiler, hob etc in their home. They made monthly payments to this company and never had a problem. Then in September ish time in 2011 they contacted Dad about doing their yearly service. Mum was seriously ill in hospital at the time (in fact she passed away in November 2011 having never come home again), so Dad explained to them on the phone that it was currently a difficult time to arrange a time for them to come in as he was spending all his time at Mum's beside and c
  23. Other half recieved letter today stating that her mbna debt (religiously paid for the past 3 years) has now been sold to these and that she needs do nothing as her payments will continue - oops sorry idem servicing (Paragon) dont think so. On the letters from both of these people not a hint of the balance outstanding, so me thinks the payments will stop and a SAR is off to MBNA asp for the pre 2007 agreement and all statements. Happy days
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