Yes it was with mbna but idem sorted it out for my direct debit to go over to them. "How lovely and helpful of them" this is my last debt tho so I just want it gone out of my life as its just a reminder all the time that I messed up when I was young. And as I say nov next year it comes of my credit file. Yay!

I am paying £17 pm towards this debt. When I CCA them will that prove who owns the debt? I'm almost sure they do as I had a letter from mbna saying they had sold it the a few days later another from idem servicing "welcoming" me. I seriously hate debt collectors

Oh really? Do I have to fill one d those in? Iv also read on hear not to pay a debt collection agency? But if they own the debt surely I have no choice? Can any one advise on this? Thanks

That's great, thank you. I'll get that out next week. I'll let you no how I get on.

I dont no what a CCA is?

Hi I posted on hear a while ago about my debt being sold to idem from MBNA. I want to do a full and final settlement offer. So I'm after all info you can all give me on doing so. My debt to them is just under £1000. What would you all think is a suitable offer? My default that mbna will be off in November 2014. What can I do to make sure they don't change this? Or any other info you all have for me would beach appreciated. Thanks guys.

My credit card debt has been sold to idem servicing this was in december 2012. I owe £1000 and want to do a full and final settlement. I don't mind paying this debt as I did default and do owe it. But I want to make sure I do it properly. So have you all got any tips on what to do first. Where to start?

Oh so you didn't get any where with it then?.

What are our chances with one of those SAR things? I'v never done one before so wouldn't have a clue.

[edit]. I did phone national debt line just to see what they said and the guy there rekons he would be very surprised if we even hear back from them again. Surely it's wrong to just pluck an amount out of the air and send letters to ppl saying they owe it.

If just re read your reply. I had to pay the collection company as next wouldn't deal with me any more.

Oh no I didn't pay it. I told him that the debt was settled last year and I have the letters to prove it. He just said he would update his system. And If they needed any more info they would be in contact.

Right just called next and the man I spoke to just said he will put it on his system that I have letters showing balance as zero. He said they will contact me if they need any more info. So fingers crossed this will be the end of it. Thank for all your help every one.

Thanks I will get on to the tomorrow. And see what they have to say. Thanks again

Hi thanks for your response, this is stressing me out,next. Yes iv got certificate and confirmation letter from Lewis group stating my balance to there client is £0.00. I did get a discount but not a huge one for partial settlement. Can next then try and claim the discount I got? Thanks again