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    • Yes that’s my point but they keep dismissing it saying the opposite so I don’t know how to argue back. My argument is they did and still are giving me false advice which I took and in turn put me in a worse financial situation.   I have the CCA for this and all DSAR info. This debt is now paid in full
    • from your other thread..   there is no remit in the ICO guidelines that states 3-6mts anymore, that went out the window under the revised guideline which i think happened in 2014    didn't know you were raising a complain, would have advised not too but ask nicely. then if not, the above is the way to go.   as for AP markers not being as damaging as a default, poss for the immediate short terms credit score/worthiness that might well be, but as you point too and is explained in your other thread, that AP status can remain showing on the summary of a debt for upto 12yrs even when the debt is settled , IMHO that's far more damaging in the longterm that a default that cause the whole account to vanish on it's 6th birthday.   dx  
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    • Letter said 10 going across company, 2 from cad team. Only 2 have been scored. Essentially I would have stayed but now my position is untenable I feel, how could I go back after being mistreated like this. So yes, I want more compensation because its been an unfair process.    We don't have a union. 
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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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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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  • 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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you are still paying a 2006 loan out urm...

what paperwork HAVE you got?

 

dx

 

Yes have it all. My husband never throws anything away.

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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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