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Idem Servicing Full and Final Settlement old MBNA card


anm72
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its a shame you didn't research? all about a DMP first

 

as you prob could have saved yourself a lot of money

by questioning all the agreements before you arranged payment

 

and p'haps quite a bit of money on these settlements

that effectively might have only been listed as a partially settlement of the debts anyway

 

opening you up to being chased for the rest at some point.

 

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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Call me naive but I didn't challenge debts as I knew exactly what they were and they were all with original creditors,

 

I was surprised they settled for as low as I was expecting to pay considerably more than I have.

 

The only issue I have is with a debt sold on which I would have thought would have been easier to settle.

 

Are you telling me they will still try and get more money back after settling

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it will probably be to your advantage that the debts were all settled with the original creditors

and if you have? letters to the effect from them

even if they say you credit file [if the debt still shows]

will be marked partial settlement {PS]

 

 

if they did sell it on

[quite probable]

those letters should be a get out of jail free letter.

 

 

as you say.its rare for OC's to settle low

so i expect, even after what PPI you got back

the balances might have been loaded with reclaimable PENALTY charges.

 

 

as for idem

 

 

CCA request is a must.

 

 

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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idem only know one tune and that is to continually ask for an I&E before they even try to talk any sense, in the end I refused to talk to them and just upped my payments and got shot of them that way, hope you have better luck

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Hi I need help with a cca.

 

 

i had a debt with mbna now bought out by idem

 

 

i have tried to settle this without success and can no longer afford monthly payments.

 

 

Is there a template to send to request the cca for credit card debt.

 

 

This debt does appear on my credit file showing as arranged payment from 2010 to 2012 then up to date since idem took over.

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two threads merged

 

 

please keep to one thread per debt

 

 

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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click the link bottom of post 29

 

 

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...

i sent the cca on 8th october which i have a signed for receipt on 10th october

 

 

how long do i have to wait before i take the next step

 

 

and what is the correct next step to take.

 

 

I have heard nothing so far which is pretty much what i was expecting.

 

 

Thanks in advance for your help

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i sent the cca on 8th october which i have a signed for receipt on 10th october how long do i have to wait before i take the next step and what is the correct next step to take. I have heard nothing so far which is pretty much what i was expecting. Thanks in advance for your help

The time scale for a CCA request is 12+2 Working Days from the date on the request.

If they have not complied then it may indicate no CCA exists, without the CCA enforcement via the courts cannot take place.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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until/unless they send an enforceable agreement

stop any payments and ignore them.

 

 

only do not ignore an SD/CCJ claim

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

statutory demand

 

 

ccj

 

 

both ere court stuff you do not ignore

 

 

use our search top right

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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  • 3 weeks later...

today i have received a statement from idem telling me my account is now 2 months in arrears

and to make immediate payment,

 

 

yet they have not responded to my request for the cca do i just ignore them ?

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yep

 

 

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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  • 3 weeks later...

just to give more information on what i have recieved it is the application that was sent to me through the post for me to complete and send back with the conditions of use and the credit card agreement regulated by the consumer credit act 1974. the only signatures are mine on the application form which was dated 10/5/95

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scan it all up please

 

 

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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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Hopefully attached to this post i have noticed 1 interesting thing on the credit card agreement page 3 the address is my current address not the address i took the agreement out on.

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copy n paste jobbie then

not enforceable

 

 

I see this was a west ham card

 

 

and you got buttonholed by a sales advisor

 

 

that ticked the PPI box

and got the commission for selling the PPI

 

 

have you reclaimed that yet?

 

 

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

ah yes i see you got the PPI back

 

 

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... 

Link to post
Share on other sites

you could sent the failure to comply letter

but don't tell them WHAT is wrong.

 

 

is this on your credit file.

 

 

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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