Today I received a Claim Form for an old Bank Of Scotland Credit Card debt that had been passed on to IDEM Securities Limited.
I had been sending regular monthly payments to Idem via Standing Order, last payment sent was January 2016.
I had sent a signed for CCA Request on 28 December 2015 to IDEM SERVICING.
The reply to my CCA request was:
IDEM acknowledged they were unable to supply a copy
and acknowledged until they could do so the agreement cannot be enforced.