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I have a original debts taken our from LLoyds (one being a loan of about £19k and one being a credit card of about £1k) from early 2000 or maybe even earlier. Over the years these debts have been bought and sold to various different collection agencies. In 2005 I set up a payment plan to pay a nominal fee to them both £30 (for the £19k loan) and £5 (for the £1k credit card) these sums have increased over the year to recently being £32.32 and £12.10. On 8th December 2014 the standing order for £12.12 stopped, then on 8th April 2015 the standing order for the £32.32 stopped. A little while later I started receiving letters from Idem Servicing stating they have been instructed to make contact with me to agree a solution regarding my outstanding balance. They sent three different letter with three account debts for me: one £2330, two £7267 and three £6010 all totalling about £16k. I never acknowledged them as I didn't know who they were and thought it might be a scam. The last letters I received from them were on 15 October 2015 stating they are increasingly concerned they have not been able to speak with me and failure to make contact may result in either 1) my account to be placed with external Debt Collections Agency or 2) Their litigation Department may instigate court proceedings. I didn't contact them.
On 22 January 2016 I receive a 'Judgement for Claimant (in default)' from the Country Court stating Idem Capitla Securities Ltd had won a court case and ordered me to pay the outstanding debt of over £16k. I never received anything to state I was even being taken to court. So I contacted the court and told them I wasn't even aware there was a court case pending, I don't know who Idem (they said it's for a LLoyds debt) and now I've received a judgement against me, what do I do? They told me I can fill out a N244 form to 'set aside judgement', which I did.
I have been trying to seek advice since all this happened. As I am self employed I spoke to one charity for debt help for people who are self employed called Business Debt Line. They told me to be careful of 'setting aside judgement' because if the trial is reopened and I don't have a good defence I could end up being told by the judge I am wasting court time, more costs will be added and I will still have the CCJ on my credit report which I've never ever had before. I'm very concerned about having the CCJ and how it will affect my future borrowing for a motgage. I am also concerned as I do own my own property and I wouldn't want a lean put on my property for this amount either.
I have read through various posts on this website as a friend of mine recommended you and found the section on applying for a CCA, which I'm planning on sendin off today to Idem Servicing. I haven't signed the letter, I'm sending it by recorded delivery with a postal order.
A few questions below please:
Do I give them £3 postal order for each account they hold or just £1 for this request as I believe it is only one original debt from LLoyds they are persuing me on but have split it into three account?
Slightly concerned as this is the first time I am contacting them so I wondered if that is a problem as I've never had any prior contact before?
Also is it true that because this debt was taken out prior to 2007 then if they do not comply with my request they will be in default and this would be a good defence when going to court?
Your help with this would be grately appreciated! Thank you for making this forum and also for your knowledge.
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I also forgot to mention, last year I also had a few letters stating I have overpaid one of my Lloyds debts (I should think it was the credit card) and that I should contact these people for a refund. I never did as again I wasn't sure if this was a scam or a way for me to get in touch with them. Now thinking about I probably did finish paying that debt over the years. So very strange that Idem seem to have three accounts for me?
On 22 January 2016 I receive a 'Judgement for Claimant (in default)' from the Country Court stating Idem Capitla Securities Ltd had won a court case and ordered me to pay the outstanding debt of over £16k. I never received anything to state I was even being taken to court. So I contacted the court and told them I wasn't even aware there was a court case pending, I don't know who Idem (they said it's for a LLoyds debt) and now I've received a judgement against me, what do I do? They told me I can fill out a N244 form to 'set aside judgement', which I did.
I have been trying to seek advice since all this happened. As I am self employed I spoke to one charity for debt help for people who are self employed called Business Debt Line. They told me to be careful of 'setting aside judgement' because if the trial is reopened and I don't have a good defence I could end up being told by the judge I am wasting court time, more costs will be added and I will still have the CCJ on my credit report which I've never ever had before. I'm very concerned about having the CCJ and how it will affect my future borrowing for a motgage. I am also concerned as I do own my own property and I wouldn't want a lean put on my property for this amount either.
I have read through various posts on this website as a friend of mine recommended you and found the section on applying for a CCA, which I'm planning on sendin off today to Idem Servicing. I haven't signed the letter, I'm sending it by recorded delivery with a postal order.
A few questions below please:
Do I give them £3 postal order for each account they hold or just £1 for this request as I believe it is only one original debt from LLoyds they are persuing me on but have split it into three account?
Slightly concerned as this is the first time I am contacting them so I wondered if that is a problem as I've never had any prior contact before?
Also is it true that because this debt was taken out prior to 2007 then if they do not comply with my request they will be in default and this would be a good defence when going to court?
Your help with this would be grately appreciated! Thank you for making this forum and also for your knowledge.
- - - Updated - - -
I also forgot to mention, last year I also had a few letters stating I have overpaid one of my Lloyds debts (I should think it was the credit card) and that I should contact these people for a refund. I never did as again I wasn't sure if this was a scam or a way for me to get in touch with them. Now thinking about I probably did finish paying that debt over the years. So very strange that Idem seem to have three accounts for me?
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