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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
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Idem Servicing 1998 Lombard Loan


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yes as previously detailed back in july 23rd in post 10.

 

i'd get that cra file before you do anything more

 

send that sar back with a copy of a recent util bill

 

are you at the same address as when the loans were taken out

 

if not include a list of previous addresses.

 

and send it to rbs not lombards

 

as for the ppi question

 

you can say this is a future possibility

however, i currently wish to gather all information of a financial nature first

as you believe you are being chased for debts that are statute barred

and wish to confirm this.

 

please send me my full SAR, i wish everything.

 

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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Thanks Dx,

 

I have been paying £10/m for over 7 years now to a variety of DCAs from an old debt arrangement made so statute barred is a non starter.

 

I will send a utility bill as suggested,

 

should I mention that Lombard have already corresponded with me at my new (5 years) address and that they should have my records on file?

 

Of the 3 CRAs which would you recommend?

thanks for your help so far

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tell you of my fears

 

yes i know about your payments

 

but if the debt was written off years ago

then sold on a phishing list

 

i wonder if ANY of your payments HAVE actually gone off the debt.

 

but have been 'appropriated' by the various DCA's into their profit pocket.

 

then passed around, here we have a mug, you have some money from him.

 

we call this cash cowing.

 

if you fell for threat-o-grams years ago

or

the people you had the DMP with were 'in-bed'

with these DCA's [ as many are - esp if it were a fee paying DMP]

 

they would have not actually checked the legality of the debt before paying them.

 

as they were already doing you with a fee.

 

i'd go for credit expert

 

i bet this debt does not show.

 

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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ok

 

well i hope i'm wrong then

though its rare even for NDL or even Payplan or CCCS to actually CHECK they are legally owed

for that time period ....of recent they've wised up a bit.

 

 

but certainly to me

 

your story is one of classic cash cowing

 

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 years later...

Hi all, Ive managed to do a bit on my own so far from reading advice but now need some more direct assistance pls.

 

HISTORYIn 1998 i took out a £5k loan with Lombard. it was a 2nd consolidation of a 1994 loan (original had PPI which I am currently dealing with RBS about (but a separate issue to this).

 

I defaulted on the loan in 2002 and through The National Debtline reduced payments to £10/m whilst I was in financial dire straits.

I sold my house in 2007 and offered Lombard appx £2500 (debt stood at just over £5k at the time) in full and final settlement

or i would use to pay off other debts which they turned down.

 

 

Some months later I recvd letter from Westcot say they now had the debt and I had to pay them

and I have been paying £10/m for nearly 13 years now.

The debt went to Arden for a few years but once I asked for and received a copy of the CCA

the debt was moved again shortly after to Idem Servicing (is this a coincidence?).

 

As of today I received 2 letters relating to the SAR I sent to RBS regarding this 1998 loan

- one says it gives me access to my data but does not entitle me to any Documents which may contain my data:???: confusing or what?

- the other letter is asking me to ring my 'Case Handler' to explain what exactly am I after.

 

This is where I need assistance;

do i call and what is it I am actually after?

is it proof they sold the loan

and do I actually owe Idem the money?

 

I may be being 'cash cowed' as you guys put it but need to know my next move pls

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yes me thinks you have been cash cowed.

esp seeing the names in your list.

 

 

as for the SAR

I wold suspect they are trying to curcunvent the SAr by assuning your after the details for a PPI reclaim.

 

 

I'd be writing to them

and stating you wish ALL the details they hold on your

as you required them for your records.

 

 

you say they complied [the DCA you are paying ] with an enforceable CCA?

and who said it WAS enforceable?

 

 

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

3 threads merged for history

 

 

please keep to one thread

 

 

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

why oh why did you not stop paying this debt when advised to in 2011?

 

 

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

3 threads merged for history

 

please keep to one thread

 

dx

 

sorry dx thought id posted here before but couldnt find my orig thread, thought it mightve been archived.

 

I keep putting it off but now getting letters monthly from Idem asking me to contact them

 

- all strangely since I contacted RBS??

 

Did Arden smell something when I asked for a copy of the CCA

as it was only a month later when it swapped to Idem?

 

ir is iy unenforceable.

Should I have got my credit report first?

 

have i done things wrong way around

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cash cowed

have you been getting notice of assignments each time

and who is listed as the DCa's client if any?

 

 

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

Hi dx, just checked the last letter from idem- it says

Agreement type: unsecured credit agreement

Company Name; Idem capital securities

 

never noticed but no mention of Lombard

 

it goes on to say my balance was purchased by Idem first finance (if of any relevance)

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Had my SAR request reply today but there is nothing about the loan which I am being chased by Idem for, only my 2 original loans. A covering letter states

 

"...the account XXX/XXXX/XXXXXXXX mentioned on your request has actually been sold onto a third party company called Idem Servicing. We have forwarded all your details onto them".

 

The original DCA was Westcot then Arden and has been Idem for last few years.

 

Do I need to go back to RBS regarding why they haven't sent details of this loan or is the ball in Idem hands now?

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if the loan was active within the last 6yrs they must hold the info

and are not allowed to simply fob you off to the debt buyer or their dog

 

 

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

Thanks dx, just called RBS who will now have to call RBS.

 

I asked for the date of the sale of the debt and any paperwork relating to it.

 

I also asked why my prev correspondence of a lump sum offer in full and final settlement letter (for over 50% of balance) and their rejection letter was not included. Thought this SAR was to detail everything?

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  • 2 weeks later...

Update, RBS Customer Services in Leicester have sent me a letter apologising that their SAR Team in Edinburgh have not been able to find any details relating to the sale of the debt, nor can they find correspondence relating to my offer of full and final settlement and their subsequent rejection letter.

 

They have sent me a booklet on how to complain to the Financial Ombudsman but not sure what this would achieve.

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Well it does appear you have been paying all and sundry, it's about time you stopped doing so until all the requests are complied with. If they were going to take you to Court they would have done so already, so why are you still paying?

 

 

Make an official complaint to the OC let them take the 56 days then escalate this to the FOS/FCA in the meantime save your money and bank it... Its a debt that is not a priority one and you can drop it to £1-00pm ... Most of all DEMAND a final resolution letter from the OC once the procedure is complete...

 

 

You may want to read up on the CONC rules and read them fully see here http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?423-Consumer-Credit-Sourcebook-%28Conc-FCA-rules%29

 

 

The full handbook can be found here https://www.handbook.fca.org.uk/handbook/CONC/

Edited by mikeymack2002
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If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Hi

Just skimmed this thread, i notice that you have recieved a copy of the agreement.

 

Was this after your request made under section 77 of the CCA and payment of the fee ?

 

Was this a reconstructed copy or was it a copy of the signed document ?

 

This is quite an old fixed sum agreement from what I gather , has anyone taken a look at it regarding enforceability under section 127 ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thanks Mikey/Dodge

 

Yes I paid Ardern to see my CCA and it looks totally legit, a photocopy with def my signature. A few weeks later though I received the letter that Idem were now the DCA- is this a coincidence?

 

Wonder if the reason RBS cannot find my correspondence under SAR is because it went to the DCA?

 

Recent correspondence from Idem has stopped saying Re:Lombard and now says RE:Acct Number xxxxx- again not sure if relevant but thought Id mention. Hidden away in the last letter was text saying that Idem First Finance were the DCA and not Idem Servicing. again not sure if relevant.

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Thanks Mikey/Dodge

 

Yes I paid Ardern to see my CCA and it looks totally legit, a photocopy with def my signature. A few weeks later though I received the letter that Idem were now the DCA- is this a coincidence?

 

Wonder if the reason RBS cannot find my correspondence under SAR is because it went to the DCA?

 

Recent correspondence from Idem has stopped saying Re:Lombard and now says RE:Acct Number xxxxx- again not sure if relevant but thought Id mention. Hidden away in the last letter was text saying that Idem First Finance were the DCA and not Idem Servicing. again not sure if relevant.

 

You need to check it for prescribed term presence and accuracy, sorry if you have already.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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