Can't locate account??

[The Tech Clerk]

even if they did many things make it non collectible

[Newmap]

Ok, today I received a letter from IDEM stating that they have enclosed a copy of my original agreement.

It is a photocopy
It consists of 2 pages

First page typed details of my address and name etc

Second page titled credit card agreement shows signature dated 8/07/2009

States at bottom page 3 of 8??

Only have two bits.

Enforceable???

What do you reckon??

Any help much appreciated

Thanks

[Timewilltell]

Best you send it to @Niddy

[Newmap]

Ok I don't know what @Niddy is...

This is for the lowest amount of around £150 credit card.

[The Tech Clerk]

Send to webmaster@all-about-debt.co.uk refer to this thread

[Roger]

Ok, today I received a letter from IDEM stating that they have enclosed a copy of my original agreement.
It is a photocopy
It consists of 2 pages
First page typed details of my address and name etc
Second page titled credit card agreement shows signature dated 8/07/2009
States at bottom page 3 of 8??
Only have two bits.
Enforceable???
What do you reckon??
Any help much appreciated
Thanks

As @ timewilltell says send a unredacted copy of what you have recieved to webmaster@all-about-debt.co.uk with a link to your diary entry.

But the information you have given is sparse and it is difficult to advise or otherwise unless more information is made available.
Can you please with each debt set out a AAD diary type entry with the following information:

• Type of account
• Date commenced
• Approx balance
• Date last 'full' payment
• Arrangement
• Status
• Account owner

This will help you take control and assist with AAD Mods recommendations

[Newmap]

Ok sent it to email address. Thanks

[Newmap]

Halifax credit card Commenced 8th July 2009
Balance £170
last full Payment 2012
Being paying £1 a month for 7 years
No longer on my credit file
Idem currently have debt

offered 50 % prior to requesting CCA they refused

Initially stated they did t have CCA however now forwarded it to me which I have emailed.

[Roger]

Halifax credit card Commenced 8th July 2009
Balance £170
last full Payment 2012
Being paying £1 a month for 7 years
No longer on my credit file
Idem currently have debt
offered 50 % prior to requesting CCA they refused
Initially stated they did t have CCA however now forwarded it to me which I have emailed.

Well done @niddy is the ONLY person who will see your correspondence!
Wait and see what He says and advises.