Well been a while since i was here BUT nothings changed apart from harassment. They have sent me no cca agreements or anything just nasty letters. Now they say i cannot continue with my agreement as i have been on a year and that is their limit. Now Lx direct are asking for £224 a month instead of the £87 i was paying with no late payments. Littlewoods are asking for £385 a month instead of the £100 i was paying never once late. I phoned them and she said they can do nothing more and interest and default charges will be applied to my account. I suggested to go to CAB but she said that they WILL reject the CAB offers as they are just a charity and they won't accept their offer. She said to go through debt management. What do debt management do? Is it a good idea to go through them? PLUS what information do they ask from you? I feel like i am going to have a breakdown. She said i can make a token payment but with not meeting the minimum payment i will get charges. If i just keep paying what i was can they not close my account and enforce anything else on me? As i do not care of the charges just soooo scared of court and even the dreaded Bailiffs incase they come knocking. But i think if i am paying atleast something they cannot enforce that am i right?

Ok thank you, So lx direct is straight forward. But what about littlewoods as i have diiferent items over different terms. Do i have to send seperate cca requests or is it just the one for the whole account including extended terms?

Thank you. I just come across this web page that some cca's are infact enforcable even if not signed they can and do take you to court and 9 times out of 10 a signed cca will show up Debt: Negociating with DCA's - Consumer Wiki What is a DCA they sound scary. Something about harrasing you and family and neighbours.

Right i am gong ahead with the CCA on Monday. Who do i send the request to and how do i do it? So what happens if i have no agreement?

Ok thank you i guess there is no hurt in seeing if they havd a cca for me. The thing that gets me i have been a loyal customer to them for 10yr never ever missed, and i hit hardship so they send me to ndr who happily accepted my £87 a monthe for lxdirect and £100 a month for littlewoods. But now after a year they stopped and sent back to lx and littlewoods. They new i was not meeting my minimum payment so why on earth accept £187 complete total fromme. I wasoriginally only paying lxdirect £146 a month so not like it dropped that much and now they ask for £224 a month for 13month with added interest. WHY on earth could they not happily keep accepting my payments until it was completed would only take 2 1/2yr. Because they are greedy B*****ds. I have heard the name Moorcroft debt agency mentioned alot. See the thing is i was thinking asNDR is only an in house part of littlewoods and my account is still open. If a cca came back and was right what would they do? would they close my account? (which i wanted anyway so i got no more interest as after what they have done i will never ever go back to them) and sell my debt off to another company of which i can then probably pay less. See the last thing i want is to go to court i do not want a ccj....I did hear they will go to other debt collectors before court. Its got me sooo scared. I keep thinking they are going to take contents from my home. I cannot eat or sleep when i see others smiling i feel like bursting into tears. I try so sooo hard to pay and i get zero back and no help. I am going to CAB on thursday see if they can do anything. All ndr said was see a money advisor i do not even know wat they do or what they are. So sorry for my bla bla just i have to vnt somewhere. thank you so kindly for your advice Tracey

Ok so if i ask for a cca will it not make them even more determined and angry if it comes back signed. Wat do i do? I have read some threads about it but not sure exactly what to do. Kind regards Tracey

I want to send a CCA but i am scared of what it entails. I am not disputing i bought he goods and i WANT to pay but there is just no leeway with these guys no matter how hard i try.

Well my 6 month was up today. I have been with them a year never missed a payment. So i phoned up to continue my payments. They said NO an i have come to the end of the agreement with NDR as their new terms is only 1yr. NOW they are adding £924 interst on my account (after they said it was stopped aslong as payments where met which they where) and they said i have to pay $224.00 a month. There is no way on this earth i can pay that. Why on earth did they come to an agreement of £87 a month which was not meeting my minimum payment then suddenly say my agreement has finished and i have to pay £224.00 a month for 13month. What will happen if i do not pay. Will they sell off my debt to another company (of which i will probably be able to pay less with no interest) or will it go to court (which i do not want. I heard from others that if you offer them money £1 to every£100 owed they cannot do anything. What really gets me angry is they are putting £924 interest after i have paid over £1000 this year so all told scraping money together i have only paid off £120 this is scandolous. OH! and she said i will have an admin charge on my account as she has put it on hold (of which i did not ask for) until i sort it out. I said i cannot sort it out it is £87 or nothing and she said that it was not their fault how ignorant. I try my hardest and this is what i get. I am sooo worried and right on xmas i do not know what to do.

Hi there well i cannot really afford them but it is 1/2 what i was paying when i had my account which i will have to get by until i get a job again. I dunno these cca things they look like ppl get alot of bother from them and i don't like hassle so i agree to anything for an easy life really. I worry very easily so i pay them what they ask. As the last thing i want is to be took to court

The account was opened in feb 2000. It was a woman who stopped me in the street in the town so i got a catalogue and ordred a kettle. I also have lx direct that account was opened over the phone Well she cannot get the payments any higher am as high as i can go already.

Surely they cannoat ask for it in full as i have never missed and its all gone smooth. I sure hope they will just let me continue to pay the way i have been for the past year. This way we are both happy. I am such a born worrier

Hi yes it is for littlewoods. The debt is £5,416.82 i will of been paying NDR for a year in 2 6 monthly agreements on 12th dec. totaling £1,200 a year

Hi i just wondered how it is going? I am too scared to do that cca thing so i just pay lx and littlewoods (ndr) £187 a month. But they stopped my nterest immediatelt as mine went to Ndr. So when i hear alot about this interest applied here i wonder why it never happened to me.

Hi all, This is just a quick Q to see if anyone has dealt with NDR. Well (touch wood) everything is goign ok i am into my 2nd 6month plan with ndr paying off at £100 a month. The only thing that has been making me wonder at night is that when i phoned her the 2nd time to get payments put over 6 month again. She mentioned something to me saying "yes no problem as i have kept to the agreement, but at the end of this 6 month we will have to basically sort something out". Now i am getting worried as that 6 month runs out on 12th december. I thought seeing as i am paying with no defaults they will let me pay £100 a month until the debt is wiped. Now i am scared she is going to say i will have to pay the full balance as it has been a year (dunno why i am thinking this its just what she said on the phone that has got me thinking well what did she mean) Am I being silly thinking something like this? Will they still allow me to just keep paying off the debt until it is cleared? they are getting £600 every six month with no hiccups or late payments.

Hi all, I am a new halifax customer and i have an overdraft of £200. I just wondered how do i get charged or do i not as i have been in and out of it for 2 month and had 2 statements with no charges. I am never over a week or 2 at most into the overdraft before it is back to full. Is it that if i am not in the red by the end of the month they do not charge me? I am a current account customer. Its all confusing to me

Thank you for all your kind advice. I am just wondering whether to try and struggle to pay or do a CCA as i know i did not sign for lx direct but littlewoods not sure i do know items bought over extended terms like 104 weeks they sent a credit to sign but i never did.:-|

Hi all i am new here and been reading threads. Basically i come here to seek help about getting my repayments lowered by littlewoods and lx direct. I have been a customer of littlewoods since 2000 and lx direct since 2001. I have recently lost my job and have no payment protection. i want to phone and ask if they can lower my payments for just a while till i get on my feet not asking forever. I pay £199.00 a month to littlewoods and would like 1/2'ed and £150.00 to lx which i would like to be down to £70 if ican. This is after all my working out. it is just until i get back up with my finance. Do you think they will be understanding or by the sound of some of your replies just idiots. I am sooooo worried and do not need more stress its not like i am running from my debt just want a bit more time. Also what is a CCA i read alot about this on here. Many thanks a very upset Tracey X