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edwincad

Idem and old lombard 'debt'

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No ..It's the signature they say does not match..No mention of address change..

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sigs change.

did you send them a ctax copy?


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whats a C'tax copy ?...I only sent them a SAR request with £10.00 PO ...

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go read the SAR click link thread..

 

 

dx


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Single Premium PPI Q&A Read Here

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I have now had a reply from Idem regarding my CCA request .

. it reads....

 

 

.Thank you for your recent letter received on 6th may 2016...(which is incorrect..I have a copy of the signed for letter ..which was received on 26th April 2016..Eleven days earlier).

 

We will endeavor to provide the info requested within the next 12 working days...Dated 6th May 2016...

 

They are clearly playing for time here...Suggestions as to next move please...Thanks.

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they have 12+2 working days.

if they fail

its one option to stop all payments

 

 

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

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Hi,

I have just paid off a debt which I had to make reduced payment on owing to Redundancy in 2001 .I have paid it off in monthly interest free installments ever since, never missing a payment.

Idem Servicing have stated that the debt has now been paid in full.And my account will be reported as "satisfied"  to the credit reference agencies.

They said this will remain on my credit file for six years from my last payment.

I have read that nothing should show on a debt after six years from the default date (ie in 2001..when I first was unable to make the full monthly payments).

Can somebody tell me if idems letter is correct. The debt has been showing as "late payment" on my credit file (I found out last week) For years...I am confused .Cheers Eddy.

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It was showing a few days ago..I cannot log onto the site today for some reason...

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Shouldnt show after 6yrs from defaulted date

Is this your old Lombard loan debt?


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

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Hi dx100uk..Yes it is...How do I go about getting it removed ? ..Cheers

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why did you not stop payments in 2012/3 when they failed the CCA request?

 

have you a copy of lombards default notice in the SAR to RBS you did?

 

or ref from old credit file printouts that show the defaulted date registered by Lombard?

 


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

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They did respond to the CCA  request (eventually) ...I have the SAR paperwork somewhere..will have to dig it out....Who do I present the proof to ..? Lombard /RBS, or Idem...

Cheers.

 

I have managed to access my credit file online today..And It's still showing  "Idem late payment" which was updated on 11/8/19...I made my final payment to them the following day Aug 12th.

So I am hoping to see it change status from the next update...Which is in two days time...

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Find rbs dn


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

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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

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Not sure what the "dn" refers too..?

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do wake up at the back.

Default Notice you said they Lombard/RBS sent years ago in the SAR

find that

whole account will vanish


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

spreadsheets 

 

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Thank you...Will try to find it..

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I have been doing some digging with regards to all this.
I have found proof that my loans were indeed sold to Idem Servicing (SAR from RBS states this ).

I have also been informed..but seek clarification, that it's not legal to sell on a loan which is not in default.
The loan is not in default (I have further proof of this also ).
 
the loan was sold illegally...
Furthermore I have found that if the lender has information that the customer has Mental Health issues, they (the lender ) are NOT allowed to sell on the loan...
.I would like clarification on both these points of Law if anyone can help.
 
I only have a default letter from Lombard on the loan account which does not show on my credit file..
I never received one for the loan now showing.
.And I have checked with the credit file company after I questioned it..
And they confirm in writing that there is no default on this account....
 
.What the next best move ...?
approach IDEM ,
or RBS ...
Thanks

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they can sell a debt without defaulting it.

and vulnerable status etc sadly means little in all reality.

they couldn't care less.

 

a debt buyer cant issue a DN so little point in approaching them.

 

pers i's write to lomard/rbs and demand they correctly register a default when it should have been done under the ICO rules that were in force at the time.

 


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

spreadsheets 

 

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I have tried to find contact details for RBS this morning..The SAR  THEY SENT ME HAS A PHONE NUMBER WHICH IS NOW DEFUNCT...Can anyone point me to who I should address my complaint to...Cheers...

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use the fca register site for head office data compliance possibly?

 

or a search engine


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

spreadsheets 

 

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I have submitted a complaint via resolver to RBS  requesting Default be applied retrospectively.

And also sent Lombard a PPI claim...Watch this space..Thanks for all your help and understanding to date...

 

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oh god don't use resolver its useless

WRITE!!

 

 


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

spreadsheets 

 

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I have had a reply from Lombard already, and as it's so near the deadline it was the quickest way IMO, and it's now logged before the cut of for PPI ...Why are they useless ?.

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not geared for PPI.

use the FOS questionnaire

 

but ok the complaint is registered , now get the info..


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

spreadsheets 

 

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