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Idem and old lombard 'debt'


edwincad
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sigs change.

did you send them a ctax copy?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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go read the SAR click link thread..

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 years later...

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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Shouldnt show after 6yrs from defaulted date

Is this your old Lombard loan debt?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • dx100uk changed the title to Idem and old lombard 'debt'

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

 

or a search engine

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

oh god don't use resolver its useless

WRITE!!

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

not geared for PPI.

use the FOS questionnaire

 

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

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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