Jump to content

 

BankFodder BankFodder


HelenDog

Help/advise with outstandinMBNA card debt to IDEM

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1146 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

-IDEM Services replied that debt is unenforceable as they are unable to provide CCA paperwork,

but they refuse to release me from my financial obligations. (£2000)

 

This debt does show my on credit file, defaulted 09/2001

 

Not sure what to do here,

 

please any help info on next steps???

 

stop paying ?

 

wait for it to fall off credit file?

 

offer full & final???

Share this post


Link to post
Share on other sites

Without the CCA, then STOP paying.

 

What is the date of default on your CRF? Can't be 2001 else it would have dropped off in 2007, how come it is still on there??

 

You can withhold payment until/if they can magic up the CCA.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

no CCA no PAY

 

bugger off you fleecers

you cash cow has been removed from the milking parlour...

 

bottom line is you ignore any begging letters

from any DCA that owns any debt that they cant provide an enforceable agreement for.

 

the only thing you do not ignore

 

is any court claimform.

 

unti/if they do

 

enjoy your life and the extra money you now have available

 

shame you didn't find cag a few years ago.:lol:

 

dx


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

 

Share this post


Link to post
Share on other sites

Sorry typo IDEM defaulted in 2010. They are marking my credit file late, are they able to do this ?

 

Yep I followed advise from this forum and managed to give all DCAs the finger :-D Truly very happy, wish I had sorted myself out earlier knowledge is power and all that !

Share this post


Link to post
Share on other sites

Who was the OC for the Idem account?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Original creditor was MBNA

Share this post


Link to post
Share on other sites

when did you take the card out

any idea?

 

 

obv more than 6yrs ago as the default has reached +6yrs so the debt is removed from your file..

 

 

dx


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

 

Share this post


Link to post
Share on other sites

Card was taken out in 2004

 

Debt shows on credit file twice under both MBNA & IMDEM looks like I have 2 defaults for same card,

but entries have the same details, not sure if this is correct /normal practice?

 

I Believe debt was sold on in 2012,

 

 

can't find letter at mo but sure there was another DCA before IDEM

Share this post


Link to post
Share on other sites

as long as the default date is the same

its not harming you twice


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

 

Share this post


Link to post
Share on other sites

Hi all,

 

Really require urgent response in case they come back.

 

Quick background:

 

CCA requested all debtors sorted all debts apart from one with IDEM.

 

 

They could not provide CCA,

continued to chase debt £1400 and have sent loads of letters,

which I have ignored with guidance from this site.

 

 

Last week received a letter from Fidelity stating they have been instructed to collect debt on behalf of IDEM.

If I didn't response, they may visit home.

Thought this was their latest scare mongering statics,

 

 

couldn't believe it today when someone actually turned up!

I understand my rights and theirs (they haven't got any)

Fortunately at time of home visit I was out and my husband dealt with them (said nothing).

 

- My question is

what shall I say or do if they appear again ?

Do i have to engage them ?

say nothing ?

can they keep returning ?

can I report them ?

Share this post


Link to post
Share on other sites

Best to ignore them. If they have not dealt with your CCA request, then the debt is not going anywhere. If they want to proceed to enforce the debt, they need to supply the CCA.

 

If they turn up again, just advise that you have made a statutory request under the Consumer Credit Act and they have failed to comply with this. As such, you will not be communicating with them until they have complied with your request. Advise if they return again, a complaint wiill be made of harassment.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
- My question is what shall I say or do if they appear again ? Do i have to engage them ? say nothing ? can they keep returning ? can I report them ?

 

Fisrt and foremost as you're aware of your rights, and the fact that these clowns have absolutely none, if the doorstep beggar returns to try and get their little bit of commission, IMO film them, and say nothing, except to tell them to get off your property or you will call the police and have them removed.

 

If they ignore you, then give the police a ring 101, and report that there is a stranger on your property who will not leave when told to do so, and you believe they will cause a breach of the peace.

 

I've never understood why they use these 80's style intimidation tactics, who in their right mind is going to discuss anything with an unsolicited doorstep caller, least of all anything of a financial nature?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

old & new threads merged

 

 

dx


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

 

Share this post


Link to post
Share on other sites

Thank you all for the quick reply.

 

I was really thrown by this visit as just did not expect it. They haven't returned yet. I was sure I my approach was correct, but needed to check.

 

This forum has help me get my finances and life (stress) back into shape. I feel in complete control and thought all this stuff was behind me.

 

Thanks agains

 

If they persist who can I report them to?

Share this post


Link to post
Share on other sites

post #12, if they return call the police and complain of harassment and intimidation.

 

what month in 2010 was the default and also when was the last payment made on this account?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

Leave my property or ill call 101


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

 

Share this post


Link to post
Share on other sites

Debt defaulted 23/10/10 so guess it will drop off credit file this October,

although I'm sure these clowns will try a few more tricks yet.

 

 

I have not made a payment since I closed my StepChange plan 6 months ago with the help from this forum

(I am no longer a cash cow)

 

I will keep everyone posted as to if they return and what happens.

Share this post


Link to post
Share on other sites

right so last payment was obv very recent then.

 

 

but ofcourse with no CCA they aren't going anywhere.

 

 

dx


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

 

Share this post


Link to post
Share on other sites

Hi All,

 

Thought everything was finally sorted !

 

End of November Cabot wrote to say they had purchased debt from IDEM.

 

IDEM could not provide CCA, therefore stopped payments and they stop chasing. Debt has now fallen of my credit file:smile:

 

Searched forum not sure if I need to CCA Cabot for same debt ? Surely not ?

 

They call 3-5 times a day. I haven't answered. How can I tell them where to go?

 

many thanks

Share this post


Link to post
Share on other sites

Send them the same request again Helen..then you will find that the calls tend to diminish.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

when they phone (assuming you know it is them beforehand) just scream down the phone at the top of your voice for a couple of seconds then put the phone down. Another one is to accpet the call but just leave the phone alone and get on with something else. Cold callers love to listen to your radio whilst you get on with the ironing

Share this post


Link to post
Share on other sites

or answer "Control Room" so and so Police station! what is your emergency, your name & telephone number please! they tend to never ring again!


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

Put it in writing for them not to do it as advised. If they dont comply, read up on harrison vs link.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Personally I'd be blocking their number and ignoring them, you have a CCA request in and it has not been fulfilled, debt is unenforceable.

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...