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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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NDR Money?


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Anyone had any dealing with NDR Money.. They are acting on behalf of very.co.uk, Anyway cut a long story short they have taken some of the debt i when i pay that they will pass we back... 1 slight problem they wont let me set the date to my pay day and will keep charging me £12 late fees??

 

Any one had this problem before with this company?

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So Very has passed the account to NDR to collect?

 

Who is adding these charges for late payment?

 

How old is this account? Roughly how much?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yeah passed onto NDR money i have a 4 month payment plan and once i have paid four months i will just go back as a very customer for the rest

 

Account total : £1411

 

NDR Money £384

 

Very:£995 ish

 

Account been open for about 7 years, I have sent them a CCA request 10 days ago so awaiting that to come through to me

 

As far as i can gather the charges will go onto what i owe very but they didnt make it clear, tbh the women didnt seem like she gave a crap about anything i told her, I am going to ring back tomorrow and ask them to put it in writing that they will not change date and give a strong reason as to why they wont change the date to help support me in these bad times

 

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OK, first off NEVER EVER RING THEM you MUST keep everything in writing from now on, so as to give you a paper trail of evidence, (Unless you are recording your calls?)

 

Did Very inform you that NDR would be collecting payments from now on?

If not it is quite possible it's a ruse, and I wouldn't pay ANYONE other than Very! You MUST have a letter from Very & NDR, stating that Very is passing it over to NDR, & NDR saying they have been given this account by Very.

 

How did you send the CCA request? Recorded delivery or otherwise? If it was RD and you know the day they received it on, then it is 12 "working days" from the day 'after' they received it. If it was other, then it is 14 working days from when you posted it.

 

YOU take control, write to them stating the date of payments & the amount which YOU will be paying. Ignore the charges for the moment.

 

If they ring you then all you have to say is, "everything in writing" and put the phone down, if they persist, just place the receiver on the side, or put it in a drawer, then go back 10 mins later and see if they have hung up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yeah will look at the paperwork now i do think they said they were passing it on, but tbh will you i am confused as to why they have only passed over a bit of the amount.. Yeah phoned them just i suppose for a quick response, but i got a mouth full and a rude person anyway i put the phone down on her..

 

Yep sent the CCA request recorded delivery and got a signature from the online tracker!! I am hoping they haven't got the original details not because i don't want to pay them back but so they can back off a bit..

 

Need to find a template now to send them regarding telling the the day i will pay and the amount i will pay

 

anything you suggest?

 

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Sorry nearly my bedtime, just clarify for me, you send the CCA request on the 28th Mar, but the track & trace isn't showing that it has been delivered??

 

If so, you will find that all RD letters are signed for in bulk, so give the PO a bell tomorrow and ask what has happened to your letter? Whether they can confirm that it has been delivered and if so, when.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yep no worries Tingy have got that letter typed up and ready to go to them, just wanted to get a feel to see if anyone else has had any dealing with them to get a bit more info on these in house ppl!!

 

Yeah sent recorded on 28th so will ring them tomorrow and ask them if it was delivered if not will re send!! i hope it has because that will mean that they are overdue in sending me this information and i can send them another letter informing they have failed to reply in a timely manner

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  • 2 weeks later...

Okay have sent off for my Very/Littlewoods/Shop direct(all under same umbrella) CCA request,

 

They have sent me how much i owe when i opened the account, what i have payed in the last 12 months, etc etc but has not sent me anything with my signature on to me accepting the terms and conditions?

 

They have sent me the current terms and conditions with my Name and address DOB printed on the form..

 

What do i need to do now?

 

The account is currently with NDR money as i have set up a payment plan but do i now put this into dispute?

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you probably did these online

 

so there will not be a signiture anywhere

 

if it can be shown that a clear financial link exists, then trying to avoid your debts with 'paperwork' errors is not the way to go and not what CAG is about.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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threads merged

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hey Dx i am not trying to get the debt removed i am simply trying to get some breathing space to be able to get the account back up to scratch.

 

The application was done in mid 2003 so was their online applications in 2003?

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yep but i wouldn't worrry about all that..

 

what are your problems with the debt and NDR

tell us the debt history please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Basically account with Very owe them £1400 asked for a repayment plan as i could only afford to pay £50 per month,

 

2 Days later they pass it over to NDR money who have taken 400 of the amount i owe and they wont let me pay them less than £84 per month over 4 months then i go back to Very then to clear the other £1k

 

Problem is i had things on Buy Now pay later and all the intrest is being slapped on so in the end of it i will prob owe about 1.5k once i have payed NDR money off

 

NDR money will not budge and even wont change the day i pay them to that i dont incur late charges..

 

So any suggestions?

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right

 

all the late charges can be reclaimied with interest at THEIR RATE.

they are a 'penalty' and are unlawful.

 

pers i'd STOP comminicating with NDR

 

they are a DCA - they have NO LEGAL POWERS to dictate ANYTHING to you..

pay direct to the OC [shop direct] what you can WHEN you can by internet banking.

 

its YOUR MONEY, take control of of it

 

STOP letting them tell you how to control IT YOU TELL THEM...fullstop.

 

now whats this about £400 of the amount?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i'd also recommend you read sequenci's excellent blog in my sig

 

these ARE NOT priority debts,

if you are having debt issues, they should be on £1PCM!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the £400 is for the NDR payment plan and once the £400 has been paid i then go back to paying Very, I do not pay very anything i pay NDR, It all seems a bit of a mess tbh, But NDR money and Very are the same company, same address same statements.. I do not know the best way to go forward, I have to be careful with this account as it is in my Dads name and i just run it.

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have to be careful with this account as it is in my Dads name and i just run it.[/font]

 

What? This is not clear cut at all?

 

Are you saying that your Dad obtained this account for you? Or you are in charge of your fathers finances?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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My dad obtained the account in 2003 and about 4 years ago i used his account with him knowing, Hes knows everything about the account so i haven't used it without him knowing, And he knows the account is with NDR money, I just want to make sure i do everything right as i don't want to be having any trouble at his door, So where as i would normally just pay them x amount f what i can afford from my budget sheet i cannot add this debt to my budget sheet as it is not in my name but is actually my debt if that makes sense.

 

Any suggestions?

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No no sense at all! You used his account without him knowing, but he knows everything about the account, so you haven't used it without him knowing?

 

This is YOUR debt, regardless of who's name is on the account, so there is no reason why you can't add it to your I&E sheet?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No no i never said i used it without him knowing, i said i haven't used it without him knowing

 

Anyway i never knew i could add it to my sheet, I think i will just rethink what they are asking off me and just pay them what i can afford from my sheet, But i cannot send this to NDR can i as the sheet will have my name on it not my dads, as far as they are concerned the debt is my dads

 

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My dad obtained the account in 2003 and about 4 years ago i used his account with him knowing, Hes knows everything about the account so i haven't used it without him knowing, And he knows the account is with NDR money, I just want to make sure i do everything right as i don't want to be having any trouble at his door, So where as i would normally just pay them x amount f what i can afford from my budget sheet i cannot add this debt to my budget sheet as it is not in my name but is actually my debt if that makes sense.

 

Any suggestions?

 

YES, Stop paying NDR. They have no rights to tell you, what you can and cannot pay! IT'S THAT SIMPLE.

 

You have requested your Credit Agreements, have you recieved them yet??

 

If not, stop paying altogether until you see they have the correct paperwork.

 

If they ring you, refuse to answer security questions and tell them everything in writing.

 

NDR are big puppies, they bark alot and have no bite whatsoever. All charges on the account are reclaimable.

 

Jogs

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Right back with ya!

 

The I&E sheet you are doing is for your benefit, so you have basically used your dads account to buy something, fell into difficulties, and now they won't accept a reasonable offer from you but demand above & beyond what any sane person would feasibly pay per month.

 

Have they demanded you fill in one of their I&E forms? DON'T! They are as much use as indicators on a submarine.

If you wish to send them one, then get a kosher bona fide template from CAG or http://www.nationaldebtline.co.uk/england_wales/budget_sheet.php?country=england_wales

 

Unfortunately, the days of creditors demanding what they want their customers to pay has died a death, once you take back control then there is nothing they can do.

 

Fill out the I&E sheet, see what you realistically have left to pay with, then make them an offer, but keep it realistic as you will need to stick to it, and regardless of whether they accept or not, start making the payments, preferably to the OC.

 

You can tell NDR to go whistle Dixie, you will ONLY deal with the original creditor, start the complaints process with Very and exhaust it, it sounds very questionable as to why they are only collecting part of the alleged debt, Very did inform you of this didn't they?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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