Advice please. Idem no CCA - what next?

sunnyface

Hoping for some advice.
I’ve been with Stepchange for 9 years, slowly paying back debts.
I recently sent a CCA request to Idem who now old an old debt which now amounts to £1747.
They responded, advising that they cannot produce this, recognise that the debt cannot be enforced but will continue to pursue it.

I then sent a F&F offer of £100 which they have rejected.
I’m not sure where to go next with this. The debt is still being paid each month by Stepchange. Should I remove this debt from my DMP? Send another offer?

I haven’t done this before and don’t want to risk getting into any trouble.
Any advice greatly appreciated.

Willing2Learn

Even though the account has become unenforceable, you are still liable.  They just cannot seek enforcement through the courts.
I recommend you withhold any further payment toward the account.

You won't get into any trouble when withholding payment for an unenforceable account.  All Idem can do is send you a six-monthly statement, with an empty request for payment.

I would not worry about it at all.

Debts – why, how & when to ask for the CCA agreement

sunnyface

Thanks so much for this. I will ask Stepchange to stop paying, and therefore speed up the other debts. 🙂

cdlne

sunnyface said:

Thanks so much for this. I will ask Stepchange to stop paying, and therefore speed up the other debts. 🙂

Hiya can I ask what the outcome of this was. I am in exactly the same position and was wondering should I just stop paying them. They have no copy of my CCA agreement and I have made a 60% full and final settlement of 3k which they have rejected. I would be keen to know what happened with you if you stopped paying them. 

Thanks 

sourcrates

cdlne said:

sunnyface said:

Thanks so much for this. I will ask Stepchange to stop paying, and therefore speed up the other debts. 🙂

Hiya can I ask what the outcome of this was. I am in exactly the same position and was wondering should I just stop paying them. They have no copy of my CCA agreement and I have made a 60% full and final settlement of 3k which they have rejected. I would be keen to know what happened with you if you stopped paying them. 

Thanks 

OP not been active for over a year, I doubt you will get any response.