Arden Credit Management Urgent advice

[Fishpie]

I have an outstanding loan which started with Lombard

got passed to Moorcroft

then to Arden

 

(they transferred all of Lombard Directs rights as lender to Idem december 2011 which has agreed to perform the obligations of Lombard Direct

under the terms and conditions of your loan with Lombard etc and as a reult of the transfer Idem will be your Data controller as defined in the data protection act 1998),

 

when I requested a CCA was told to contact Idem servicing,

so complied,

received my statement from them

then wrote to Idem servicing informing them of my circumstances and could only offer a token payment,

 

have heard nothing until last month when I go a letter from Arden saying that Idem servicing have instructed them to recover the amount of loan

and asked for a one off payment etc (which I cannot pay as I don't have it)

 

today I have received another letter from Arden saying despite numerous attempts to recover the ammount

we have had no response from me and were going to instruct field agents to attend your property to discuss this matter in person etc

and a fee for the visit will be charged to you with the amount not exceeding £75.

 

We can cancel this visit if you contact us within 5 days of the date of this letter and make satisfactory arrnagments regarding your account.

 

Being a bank holiday first it ridiculous to expect a reply within that time,

 

I need to send a £10 request for a SAR this time as I need to try and claim back my PPI

 

can you advise me which letters are best sent to Arden and Idem servicing,

 

I assume the SAR request will have to go to Idem as they appear to own the loan

and what letter should I send to stop door step callers thanks

[zydeco]

Hi Fishpie, I doubt if any one will call but this is the doorstep letter.

( and they can't charge you £75 either, muppets)

 

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

[Fishpie]

Thanks zydeco, Ive used the letter and deleted the telephone call bit as had none, feels a bit like musical chairs between Arden and Idem, should I also put that I am sending a SAR request to Idem? puts the loan back in dispute?

[dx100uk]

woe hang on.

 

SAR goes to the OC

Lombard.

 

as for the rest of it

 

have you checked your CRA file?

 

see below

 

noddle are free.

 

now this debt.

 

how old is it?

 

dx

[dx100uk]

just to clarify

 

NO DCA has ANY LEGAL POWERS

 

ignore them

 

dx

[Fishpie]

No haven't checked my credit file, the loan started in sept 2004 been in financial difficulties for quite a few years, thanks for advice

[dx100uk]

when was the last time you paid anything off the loan too?

 

dx

[Fishpie]

according to the statement from Idem when I requested a CCA it was Nov 2010

[dx100uk]

any indications on payments before that?

pers i would not trust ANY statements from a DCA

IMHO you should SAR the OC

 

dx

[Fishpie]

I was paying via CCCS before my circumstances left me unable to pay even via them, so was basically 'dumped' by CCCS as the repayment was going no where there advice was to go bankrupt but I can't afford to do that! I will check my credit file with the free site you have given me and will find the £10 for the SAR, I will send a no doorstep letter as well, many thanks DX

[robcag]

 

..... I will send a no doorstep letter as well, many thanks DX

 

Are you telling us somebody has beaten them to it and already collected your doorstep?

 

Good luck

Rob

[Fishpie]

yes my wording was not that clever!! lol

[smithy70]

Moorgate/Arden are a bunch of Birmingham muppets who wouldn't know the law if it smacked them in the face. This is quite an old thread so I guess it may be sorted now. I do wonder if anyone gave you advice on the cca request and what the outcome was?

[smithy70]

Strange, there was a reply to this thread and it showed up as new, now I have an email saying the Brigadier had posted and it has gone! Confused.com

[dx100uk]

we had an unwelcome visitor

 

thread has been tidied

 

dx

[twoman]

Smithy,

Not everyone in Brum are muppets!.

[smithy70]

Lol @twoman. Not everyone sure, but an awful lot of them.

Smoking dope on the 45