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  • #91
    Originally posted by linnite View Post
    Re loan 4, Idem have sent me an agreement as per my CCA. I've not been in that position before, do I still send it to Niddy or has that all changed?

    Email it to Niddy using webmaster@all-about-debt.co.uk


    It's for this debt isn't it >

    Originally posted by linnite View Post
    Re: linnite's diary
    Originally posted by linnite View Post
    4. Halifax CC, 6500 originally now 3200 paid down via DMP, taken out Nov 2006 default date Dec 08, Blair Oliver and Scott administer, again don't think this has been sold?

    Nov 2016: Sold to Idem, notice of assignment received.

    Jan 2018: stopped paying. Last payment was on 08/01/18.

    Mar 2018: Very little correspondence from them. Now 2,372.

    April 2018: letter - passed to recoveries section.

    8 June 2018: Received letter before claim.

    15 June 2018: CCA letter sent. Need to send LBC response by 1st July.

    20 June 2018: response received they will 'endeavour' to provide the CCA within 12 working days.

    3 July 2018: No CCA received so LBC response form sent in, box D ticked 'I dispute the debt'.

    4 July 2018 received in the post today from Idem an acknowledgement they can't currently provide the CCA. They will keep looking, I still owe the money etc.

    9 Aug 2018 Received a copy agreement in the post, needs to get checked.

    Di

    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #92

      deleted my duplicated post
      Last edited by Diana Mayhew; 10th August 2018, 11:37.
      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

      Comment


      • #93
        deleted another duplicated post
        Last edited by Diana Mayhew; 10th August 2018, 11:34.
        Legal Disclaimer

        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

        Comment


        • #94
          Originally posted by linnite View Post
          Idem have sent me an agreement as per my CCA.

          This is in response to your reply to their Letter Before Claim isn't it?

          Does the covering letter say anything about them believing that they have now complied with your original CCA Request and give you X days to contact them or they will issue proceedings?

          Di
          Legal Disclaimer

          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

          Comment


          • #95
            Hi Di, no it simply says here it is, give us a call if you want to discuss it.

            It did leave me wondering where I stood, they have my response to the LBC saying I dispute the debt.

            As I am not going to be able to receive and act on mail between 18/8 and 1/9 I need to try and ensure I leave this one and the one where I have a CCA out in good order for that period, can't come back to find things have already happened.

            Thanks

            Comment


            • #96
              Fantastically quick reply from Niddy but he says it's

              Comment


              • #97
                Hello Linnite,

                About half of my seven accounts were enforceable, but nothing ever came close to approaching serious court action, or any real threat of it. All just template letters from the very few "solicitors" [toothless rent-a-letterhead] that wrote.

                All of my debts are now statute barred -- full diary thread here

                This is not to encourage complacency -- quite the opposite: *every* letter should be logged here on AAD, filed and acted upon where applicable -- but just to say that discovering that an agreement is enforceable does not by any stretch automatically mean that the DCA will either know that or take legal action.

                Comment


                • #98
                  Thank you Pip!

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                  • #99
                    Originally posted by Pip View Post

                    About half of my seven accounts were enforceable, but nothing ever came close to approaching serious court action, or any real threat of it. All just template letters from the very few "solicitors" [toothless rent-a-letterhead] that wrote.

                    All of my debts are now statute barred -- full diary thread here

                    This is not to encourage complacency -- quite the opposite: *every* letter should be logged here on AAD, filed and acted upon where applicable -- but just to say that discovering that an agreement is enforceable does not by any stretch automatically mean that the DCA will either know that or take legal action.

                    And I'll add that a credit agreement being enforceable does not necessary mean the debt is enforceable if the debt owner has not complied with all their other statutory obligations (such as a compliant Default Notice and Notice of Sums in Arrears etc) and cannot prove that they are entitled to collect the debt (such as assignment and licensing issues).

                    Di
                    Legal Disclaimer

                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment


                    • Thanks again Di....so the lack of an instant demand for action by Idem could mean they are unsure of their legal position or know it to be a problem?

                      Do they formally have to respond to my 'dispute the debt' response to the LBA before they can proceed to court?

                      Comment

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