Idem now purchased +10yrs old Lloyds Credit card debt - want I+E details?

[Simon0711]

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.

[silverfox1961]

Hi and welcome to CAG

 

Typical DCA tactic. Threats to pass you on to their oh so scary in house DCA. Toothless bovine excrement.

 

In the library is a letter telling them to stop phoning you. In the meantime (and if you have the facility) record their drivel. You don't have to tell them you are recording. Catch them out with their 'mistruths'

 

One default-period. If they try to add it again, you can sue them if they refuse to remove it.

 

As for the I&E, tell them in no uncertain terms to go forth. They have no entitlement to it-ever!

 

Deal in writing only and make sure you get proof of posting/delivery

[dx100uk]

as with all you longterm debts

 

you seriously should consider sending anyone you pay a CCA request.

 

I bet very few have the required paperwork to enforce payment after all this time.

 

DCA's will resort to ANY tactics to keep cash cowing you on debts you no longer

or ever did owe to THEM.

 

one tactic is the passing around of debts, here you have some - this mug has been blindly paying us quite nicely for years.

 

the other obv tactic is shouting the loudest, the more pressure they exert, typically,

the less legal right they have to fleece you, as they are trying to divert your attention away from investigating the debt.

 

dx