Does anyone have the template for the original letter needed to be sent to request the cca please?

Hi Gary, I too am having dreadful problems with NDR, even thought I have told them I cant pay them on the 26th but I can on the 28th of every month they have refused saying thats their clients policy. I eventually spoke to a lady who I think took pity on me and told me that the ONLY way they could accept my offer was if it came DIRECTLy from a DMC and she actually suggested cccs or Citizens advice- she told me that the letter of offer had to come on letter headed paper from them not from them via me as that would be viewed as a self help package. Im not sure if thats what you have or if they have contacted them directly? I am in the process of setting my DMP up with CCCS as we speak- how are you finding them? Regards Laura

Hi all! Im not sure if this is going to appear as a new thread or a reply to a thread? At the moment I cant seem to find the facility to add my own thread to this group? I have stumbled across this page whilst searching for the contact details of NDR and I was suddenly intrigued by all these posts using abbreviations I have never heard of before but it definately caught my interest! However like many other newcomers I'm sure I run the risk of sounding a little dull when I ask- what does this mean and is it worth trying? Basically I have just sorted out a DMP with Consumer credit counselling and most of my debts are now with external agencies, NDR, moorcoft etc. I have tried to be reasonable with NDR but their payment date is unsuitable for me 2 days before pay day and for the sake of paying 2 days late they are whacking me with a £12 charge! My debts are now substantially higher since I've been in debt than they were to start with- It really gets my back up!!!!!! Anyhow is it worth me writing to these companies asking for the original credit agreements? and where do I stand with these? do I write to the original creditors or the agencies? and what do I do should I have/not have a response. I really hope someone will take the time to explain this to me and help me out. Many Thanks to anyone who has taken the time to read this Laura