Idem Servicing

Hi All i am looking for some advice. I had a credit card with mbna since 1995 around 2006ish i started struggling financially an with the help of the cab i set up debt management plans with all my creditors i have now settled with all of them except idem/mbna. Idem bought out the mbna debt a couple of years ago. i have tried to settle this with idem but they will only accept full payment i have also gone down the road of seeking the cca which i applied for at the start of October. Today i recieved a copy of the original application and credit card agreement the application was in the address i was in at the time i took it out and the credit card agreement is in my current address.

I Have tried to attach the file i received today to see if i can get any advice. I have claimed back ppi and card protection on this ages ago

Attached Files

• idem 1 26 11 14.pdf (778.6 KB)

Idem Servicing

Idem Servicing

Hi



I had a credit card debt with mbna which i was in a arrangement to pay £26 per month (this shows as on credit file as ap) in 2012 this was sold to idem servicing and i carried on paying the arrangement. I now have the chance to clear the debt if they accept a lower settlement figure but they wont, and i can no longer pay the monthly arrangement. i have read about getting sending a cca to get a copy of the original agreeement but i am a little confused.

where can i get a copy o the cca letter with the correct amendments for this debt ?

as i have been paying since idem took over the debt do i have a leg to stand on ?

what is the best course of action ?



thanks

Idem Servicing