Jump to content


Smokie12

Black Horse Secured Loan Sold To Idem Serving

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1519 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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.

Share this post


Link to post
Share on other sites

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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
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.

Share this post


Link to post
Share on other sites

i'd get an sar off to BH

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

what paperwork HAVE you got?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

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:

Share this post


Link to post
Share on other sites

Have you a threaad¿


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...