Idem Debt

gwapoman

I have an old Bank of Scotland  8k debt that i defaulted on in 2012 , it was than sold on to Idem Servicing in june 2015 and since then i have had a payment plan in place for £59 a month which i have stuck to and have not missed a payment but now finding it burden financially due to COVID-19 .

I did request a CCA from them some years ago  and got the reply not available and agreement is not enforceable  etc

The default has long since disappeared from my credit file and no mention of it at all on my file .

So what can IDEM do now if i was stop paying ?

fatbelly

gwapoman said:

I have an old Bank of Scotland  8k debt that i defaulted on in 2012 , it was than sold on to Idem Servicing in june 2015 and since then i have had a payment plan in place for £59 a month which i have stuck to and have not missed a payment but now finding it burden financially due to COVID-19 .

I did request a CCA from them some years ago  and got the reply not available and agreement is not enforceable  etc

The default has long since disappeared from my credit file and no mention of it at all on my file .

So what can IDEM do now if i was stop paying ?

Nothing

I hope you kept that admission of unenforceability

gwapoman

fatbelly said:

Nothing

I hope you kept that admission of unenforceability

sure did .

fatbelly

I believe the phrase is slam dunk

gwapoman

well now over 18 months later the debt has been bought by Hoist Finance who have started hounding me with letters so i sent them a cca which amazingly they have produced a poor quailty copy of my original application form with my name mis spelt and some reconstituted terms and conditions .

Bit bemused how IDEM could not fulfil a CCA request but the company they have sold the debt on to Hoist can ?

Not sure on my next steps.

sourcrates

gwapoman said:

well now over 18 months later the debt has been bought by Hoist Finance who have started hounding me with letters so i sent them a cca which amazingly they have produced a poor quailty copy of my original application form with my name mis spelt and some reconstituted terms and conditions .

Bit bemused how IDEM could not fulfil a CCA request but the company they have sold the debt on to Hoist can ?

Not sure on my next steps.

Well they haven`t fulfilled anything have they.

You had an unenforceable debt, by sending another CCA request, you could have suddenly turned it onto an enforceable one, luckily, an application form is not a credit agreement, so nothing has changed.

What you should have done was quote previous events, no CCA etc, never send more than one request per debt.

Your next step is to write and tell them an application form is not a credit agreement, so the status of the account remains unchanged.