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Idem Servicing Debt Collection

If you’ve recently received a letter from Idem Servicing about a debt that you took out with a different lender, you’re probably asking yourself all sorts of questions.

We can provide the answers to all of your questions, and also offer you free and confidential advice on what to do if you’re struggling with debts.

Dealing with debt collectors can be stressful. Usually, a debt collector is employed when there have been problems with the repayments, however, sometimes, the debt is allocated to the wrong person. It can even be a loan or bill payment that has been overlooked or misplaced.

We can supply the guidance and information to get you back on track. If what you need isn’t covered below, talk to TAD today for more.

Idem Servicing contact details:

Company Name: Idem Servicing

Other Names: Idem, Idem Capital, Paragon, Paragon Banking Group, Paragon Group, Paragon Finance Plc.

PO Box 16619
B91 9TU

Main Contact Number(s): 0345 322 7300



Other phone numbers that they might use to contact you:

01495529402, 08433770194 or 08451960497

Opening hours:

Monday, Tuesday, Thursday & Friday: 8:30am–5:00pm
Wednesday: 9:30am–5:00pm

Who is Idem Servicing?

Idem Servicing is part of the Paragon Banking Group. They are the collection team that handle the debt portfolio acquired by Idem Capital.

Idem Capital is one of the major purchasers of loan portfolios in the UK. They have over 33 years of experience, employ 450 staff and offer a range of solutions in client asset disposal.

Idem Capital and Idem Servicing handle problem accounts for businesses and banks operating in the financial sector.

Paragon Banking has operated for over 30 years and offers affordable and sustainable repayment plans to help its customers deal with their debt.

They are members of the Credit Services Association, conform to the Treating Customers Fairly principles, and are regulated by the Financial Conduct Authority.

Why would they contact you?

Idem Servicing will most likely contact you when chasing a defaulted loan, mortgage or other credit arrangement. Many of their clients operate in the banking sector, so your original lender could likely have been one of the high street banks.

They manage both secured and unsecured debt, through servicing and debt purchase.

If you’ve failed to make your payments, Idem Servicing will be trying to contact you to discuss how you can work together to resolve the situation.

Do you owe Idem Servicing money?

You should always check that you owe the money a debt collector says you do.

There are occasional cases of mistaken identity, fraudulent account setup, and debt being applied to a someone who isn’t responsible for the repayments.

If you have no record of the amount or the lender, then you should seek advice about how to cancel the claim.

If the debt is correct, you must contact the agency to try to repay the debt. If you can’t afford your repayments, they should work with you to come up with a plan that’s affordable for you.

How old is the debt Link is collecting?

Debts that have been inactive for over 5 years in Scotland or 6 years in England can often be disregarded.

This type of debt is known as statute barred. If your loan meets the required criteria, you could have the remaining amount cancelled. The primary conditions must show that you haven’t paid towards the debt or made written contact admitting responsibility for the required period.

If you think your debt is statute barred, it’s important to flag this and take the necessary steps to have it removed.

However, if the debt is still active, we can help you to understand the various methods to manage the remainder.

Is Idem Servicing treating you unfairly?

The Financial Conduct Authority oversees the protection of anyone involved in the credit and debt process.

If you feel that you have been treated unfairly or not in line with the rules of the CSA Code of Practice, you can make a complaint to the FCA to resolve the issue. You may even be entitled to compensation.

If you think any of the following cases apply in your situation, then it’s important to take the next step. These are only a few examples; there are many more so if you think that any of the treatment you received wasn’t fair, flag it as soon as possible:

  • Using confusing, bullying or manipulative tactics
  • Calling at unreasonable times
  • Applying excessive charges and interest rates
  • Discussing your case with anyone but you
  • Not supplying information when asked
  • Presenting misleading or false material
  • Suggesting you take out additional credit to pay for your existing debt

Managing your debt

We know everything there is to know about managing debt problems. However they have come into effect and whatever the amount, we can help our customers regain control of their finances and remove the stresses that they cause.

Nobody should be made to pay what they can’t afford. We deal with debt collection agencies every day. We know the jargon, we know what they expect, and we can use all of our expertise to get the solutions you need, quickly and efficiently.

We’d also like to make sure you stay financially healthy, helping you to understand the various ways of managing credit and debt issues when they arise.

If you need any advice or information, we’re ready and waiting with the answers. Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.

If they can challenge the debt, they will make sure you don’t have to pay them a penny.

If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.

Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.

For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.

*Talk About Debt is not associated with Idem Servicing, Idem Capital, the Paragon Banking Group, or any of the agencies in our debt collection agency and bailiff directory.