OH's Halifax £15k Card debt - been paying various DCA's £75PCM for 10yrs - should I complete an I&E form for IDEM?

[scotgal68]

My oh has been paying IDEM for almost 10 years at £75 per month.  He has paid it without fail despite being made redundant and out of work for almost a year. They send us letters to contact them periodically asking us to call and discuss the amount being paid. I got advice from here a long time ago which was a to only deal in writing and so each time they write I  send this letter -

 

re your letter - i have noted the contents and would like to reiterate that my circumstances have not changed, in fact I am in a worse financial position now than I was at the start of the agreement. I was made redundant in 2019 and furloughed last year. I still managed to make the agreed payments and would like to confirm that I will not be increasing the amount previously agreed nor will I be telephoning your office; I have previously requested that all correspondence be in writing. To this end and for my own records can you please send me a copy of the original credit agreement

 

Please accept this letter as my consent for you to continue collecting £75 per month. 

This past fortnight they have sent 3 letters stating he does not have a formal arrangement in place and they have attached an IE form to be completed. He has since found employment but only getting back on his feet. Should he complete the IE or should i sent the same letter I have been sending?

[scotgal68]

he hasn't been blindly paying to be fair, he owed them £15k from a Halifax credit card, we did get the CCA and it was a signed credit card agreement.  so a whiles to go yet before he clears it off as the o/'s balance is still around £6K. 

[scotgal68]

@Andyorch I'll just ignore it thanks 

[scotgal68]

It was the bank who started the collection.

We banked with HBOS.

He had asked them to freeze the interest and they said they couldn’t unless he defaulted.

Their in-house collection team set up the £75 amount.

I think it was Buchanan Clark and Wells.

That was in place for a few years then it was transferred to briefly to another  DCA, which I can’t recall then for the last 5/6 years IDEM.

I don’t know what you mean when you say ‘crush them’ and ‘something smells’

 

Ps I asked IDEM for a copy of the CCA, which they provided

Thanks  

Edited November 23, 2021 by dx100uk
spacing

[scotgal68]

IDEM sent me the CCA at my request.
I still don’t understand what you’re talking about. Crushed who in court and what for? It never went to court and he never disputed that he owed the money. Ive  always used this name 
DX Im asking for advice, I’ve no underhanded reasons. Ive nothing to hide. I appreciate your help and you’ve given me advice in the past (maybe on other matters) I’m not myself at the minute and would appreciate some understanding/empathy 

[scotgal68]

I’ve no idea why they did what they did. No matter how many times I ask myself. HBOS accepted £75, BCW took over, the amount stayed the same and IDEM took over and it’s stayed the same but the last week they’ve sent numerous letters and I&E forms 
FYI- I sent a letter to IDEM and asked them for a CCA which they provided. (About a year ago) I didn’t sent a CCA to IDEM 

 

so my question was ‘ do I need to complete an I&E form?’ 
if the answer is no, my OH is happy to keep paying £75. That’s his choice.
Thanks for your help