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    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
    • Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless.   Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it.   .. and Octopus has been one of the better ones.    
    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
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Black Horse Secured Loan Sold To Idem Serving


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I am new here but I have been reading about Idem.

 

They have written to my husband only regarding our joint loan being transferred to them.

 

They have given us a new account number and some basic info regarding paying.

 

They have not confirmed what we should pay, or given any in depth info about the balance.

 

What should we do?

 

Is our loan still secured even though we have not agreed for Idem to have this?

 

Is this even legal as I thought the homeowner has to agree security or the company has to get a court order?

 

I am really confused and need some help as from what I have been reading about Idem

they are really nasty and add alsorts of defaults to the account.

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have yu got all the paperwork and every statement?

 

theres something smelly going on if BH have sold a secured loan on.

 

have you always kept up payments?

 

not got loads of differing types of 'compulsory' insurances lumped in have you?

 

a large creditor like Lloyds

wont usually sell a secured loan without reason.

 

as they'll always get their money as its secured.

 

any ideas

 

tell us the story

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX

 

We went into arrears a couple of years ago because of me being made redundant.

 

We have been paying extra each month to clear the arrears for about a year now so the arrears were coming down.

 

I don't think we have every single statement but I believe we have the original loan documents.

 

I would have to check them as I can't remember exactly when we took it out but they have added interest every month

and it seems to be taking forever to pay.

 

As far as I know, there are no PPI or anything like that attached.

 

To say I was shocked by this is an understatement.

 

What are Idem, a DCA?

 

What can I do,

I don't want to deal with them,

I didn't give them permission to have a charge on our home,

plus I am pretty peeved they have not even bothered contacting me,

just sent my hubby a bog standard letter.

Sorry but its really got my goat.

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can I just check please

 

so you have had a notice of assignment?

 

idem are a dca yes, who is their client then?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

We have 2 letters,

one from each company,

neither of which mentions a notice of assignment.

 

I would assume B/H is the client, but they state that they have transferred the ownership?

 

In the small print on a copy of the credit agreement it states in the general terms and conditions that they may transfer any of their rights under the agreement,

but we can't transfer ours.

 

We took out the loan on 15 November 2006.

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i'd get an sar off to BH

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

Black hourse sold our debt to idem while my husband was off work sick.

 

PPI was making payments until it was sold.

 

Now they won't.

 

Black horse tried to take it back but can't.

 

So black horse has said the PPI would have gone on for 13more months.

 

So they have sent idem the next 13payments .

 

HOWEVER idem has taken the payment as a lump sum.

 

Now they want us to carry on making payments.

 

My husband will be off until February.

 

What can we do ?

 

btj

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you are still paying a 2006 loan out urm...

what paperwork HAVE you got?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

when and for how much was it please?

 

and have you lots of PENALTY/ARREARS fees and insurances heeped in?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 9 months later...

Hi sorry to jump in but i have had the same letter from BH today they have sold my secured loan to a company called Skye Loans ltd, had missed a few payments when i was redundant years ago and have missed 1 or 2 since but have been paying extra foe ages now. very strange as i only have a year left on my original loan.

looked up Skye and lucky me seem to be owned by Capita.

so if they have paid my loan off does it still exist and is it still secured?

 

not sure what BH are playing at say reason for sale is that they don't do those types of loan any more

i smell a rat

:mad2:

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Have you a threaad¿

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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