Can some one post me a template for the SAR request letter? i will try that and see where i get.

Should i send them a leeter making a offer of a payemnt plan. and then just stick to it and make the payment's i have stated. Just really scared they will sned balif's to my door

No that's fine. Thank's for the support. Unsure as to weather they will accept a payment plan as they now want the full amount?

I have made payment's on the account and i have copies of the statement at home. If i have them arnt the able to just pull them out the system and produce a reconstitued copy ? I dont understand what i am to do now! If i request these docuement's it's a diffinate they will produce them. Is it not just delaying the enevitable!

I have stoped answering the phone to number i do not know, if i do by chance answer and it is them. I have only explained that i am awating docuemnt's from Littlewood's and that the accoutn is in dispute. to which i was told you have the good's so you need to pay for them stop avoiding it and pay..... I have had no other communication since the sent the reconstituted copy of my CCA. what do i do next. I've now defaulted on the agreement with NDR money and they are asking for the full amount. Please help losing faith now!!

Hi, Thansk Cyber for posting. So basically i have no leg to stand on. NDR are calling all hours of the day late in to the evening. using differnt number's im scared to answer the phone. Do the reconsituted copy mean that i am liable for the account? Thansk

What's a DCA??? I will post again to another forum. Just really need help so stressed.

Hi, Guy's i still really need some help with this issue!! They are calling at least three time's a day now. and late in to the night. Please advise where i can go from here as i said in previous post's..... All they have sent me is a re-constituted copy of my CCA. what do i do know? Please help. Really dont know what to do, scared to answer the phone as they call from differnt numbers. Just scared the next thing will be court and balif's at my door. Please can someone offer some advice i have been postiing since last week!!!

Hi All, Thanks for your help. I have now arranged a more suitable payment term's with Quick quid and am now starting to clear the debt.. I still need advice on the NDR/Littlewoods account. As mentioned before they have sent me two Re-constituted copies of my credit agreement but no copy of any origonal with a signature? What is my next move. Please respond as i need to address this one urgently. NDR keep calling........ Marion

I am a tempory worker so if i have no work from one week till the next i dont get paid! At the moment i am just trying to offer them what i know i can do. It's a differnce of one week!! The option they are giving mean's i have one week basicly to find £156/08 from my wages. Which means another bill will have to be left. I am just starting to get back on my feet after redundancy and no work for a year. Why are they all so unreasonable

Hi All, Just to update you, i have had a reply from Quick quid this mornig who have said that, Due to the Histroy of the account, my payments have been schedualed on the contracltual pay date (which have changed as im now paid weekly!!) Also my account is 60 days past due a payment ( i made a token payment of £100 on the 27th May). Then they have just follwoed with the useal please pay to avoid 3rd party involvement! The plan they are offer is £156.08 - 30/06/2011 £156.08 - 29/07/2011 £156.08 - 31/08/2011 I asked them to consider this plan which they have refused £156.08 - 01/07/2011 £156.08 - 05/08/2011 £156.08 - 02/09/2011 ! I have penned the following email in response " One gain thank you for your reply. But as staed in my previous email i would not be able to commit to the date's of which you have suggested. The payment plan i have proposed is only delayed by one week. If as you have mentioned you are taking note of my situation then you would have indeed excepted the offer i have made I have all ready agreed to re-pay over three payments which will be difficult enough. What i am asking is not unreasonalbe. I'm sure any court or Judge would accept these payments rather than nothing. Please advise guy's i really need to know were to go with this. I also still need help on the NDR money as i am now as mention in th first post, they can onlr produce a reconstitued copy of my CCA. Thnaks again

I have a account with littlewood's that is in collection's with NDR Money. Following post's on here i decided to request my CCA. They replyed in a timely manner but with a reconstitued copy of my credit agreement. just printed info, no signature's. I then sent a second letter informing them that they had not sent what i had asked for and that the account is now in default and they had 30day's to respond to my request, also asking for a copy of thier internal complaint's proceduer. They have since responded with the same document's stating that they sent this in the first letter and have included any amendment's made to the T&C's. What is my next step as NDR money are asking for the full amount as well as putting charge's on each time i dont pay and each time they send a letter. I did not realise till today that i could claim these back and i have throw the statment's away (stupid i know) Please help?????? Also just a little bit of hope for those stuggling with Quick Quid! I have a Quick Quid load that is currently in default i have recived my second notice requesting payment. It is approximatly sitting at around £550 pound outstanding. Just not sure were to start with this one either! I have called to offer a payment paln but they a re not happy with accepting this and olny want to take the full amount? I have since contacted the by email and requested a payment plan which they have accomodated, they sent me two option's the second of which i have agreed to on the condition that they amend the payment date's as they are not suitable currently waiting for a response!!