Hi Andy, the same has happened to me - they could not provide a true cca, said they would not be persuing it but have! Adding £12 defaults on every month . I decided to stop paying (stupid me still paid when I received each letter) and haven't heard anything for a while - no letter or phone calls. Will let you know how I get on too. Good luck!

Thanks, what's a CPR request? Can't seem to find it!

Can't go with payplan or CCCS as I have tried - not enough extra cash left over at the end of the month to set up an arrangement. All CCCS did was offer advice and gave me a copy of income and outgoings and a standard letter to send to creditors. I want the debt paid off - it's my debt! I was made redundant that's why I am in this mess. They want more than the £38 per month I can offer hence the default notice - this is why it's confusing. If they took me to court they would get less! I obviously don't want to go to court or the stress of the phone calls - got loads of exams coming up in un i as I am coming to the end of my course and need to be able to concentrate. Where do I go from here - do I write to them explaining I can only afford the £38 and can't pay off the £3K in 2 weeks?????????

fuzzybobble how do you get the default etc removed?

Uploaded pdf documents with all the relevant info on - can someone have a look for me and tell me what to do next, thanks. credit agreement 2008.pdf letter 2008.pdf credit agreement 2009.pdf letter 2009.pdf default notice 2010.pdf

I don't know what's going on - just had a letter from NDR saying they have been trying to get in touch with me and have charged me £12 . Who do I correspond with both or just shop direct? Need to find paperwork then will put on here.

Thanks everyone, you are all so helpful! They are asking for the total owed which is just over £3,000 - I am paying £38 per month which they seemed happy with till now. I can't remember how I set up the account but it was about 8-10 years ago. Will scan everything tomorrow and put it on.

Thanks all for ur advice - I know I need to go to CAB but it's getting there, I'm at uni and placement all wk 8-5. do you know if they can advise over the phone. I have downloaded account in dispute letter ready to post.

I have sent several cca's last year but didn't follow up cos I was quite happy paying them - want rid of the debt. They sent back a copy of a credit agreement - did not have my name one (just blank). In January I wrote to them because I was receiving 6+ phone calls per day - they stopped for a while but have started again. I won't speak to them just write.

I don't know what to do! Had a letter from Shop Direct - default notice served under section 87(1) of the Consumer Act 1974 They want all the money I owe by 16 April - I have been paying them regularly an amount they requested via NDR (well above the amount I can afford). I have asked on several occasions for signed credit agreement but they sent me a copy of one! It sounds like they are going to take me to court if i don't pay the full amount owed. I have spoke to CCCS a while ago but didn't have enough money over to set up an arrangement for payment. What do i do - please help!