Hi there, many thanks for your reply and advice! The account was started around 2006 and was done online. And I think you are right, well i think about £300 was debt I owed but it has slowly crept up. Does anyone have the correct address for NDR, I've come across a handful already!

Hi there I've been reading with interest various threads on here regarding debt with home shopping companies that is passed in hour onto NDR but am just a little bit unclear. I owe around £450 to Littlewoods, which for the past year or so has been floating around with NDR - with charges of course being added on. Ok - so I rightfully do owe the money, and was quite good on keeping up the payments to Littlewoods until I changed jobs and had to move and - well we all go through tight times! Anyway, I did make a one of payment quite a few months ago to shut them up for a while of I think between £50 and £100 - when they wanted me to pay £90 a month to clear the debt. But now I really can not stretch to that much. How can I make them a written offer, I've come across several addresses for them, I don't want to call as they just try and talk you into paying a much higher amount, I'm thinking of like a fiver a month! Or is this CCA business a loop hole out of the debt?! Many thanks in advance for your help.