Hi, thanks for that, will look at doing a SAR and a copy of that letter later tonight for sending tomorrow. your help is very much appreciated. stacey

This is the letter i receieved after i sent them the letter telling them credit agreement was unenforcable without signed agreement

this is the letter i received after asking for copy of credit agreement, with blank agreement.

Hi, noone else is chasing me for the money only them. The letters i receive are monthly statements from them with a letter attached which states : Notice of default sum, £12.00 charge for insufficient minimum payment. Letters telling me to contact them regarding future repayments and an amount they want me to pay, between £39.00 and £40.00 on all letters. Other letters are reguarding credit agreement which i am scanning to computer at the moment.

Hi, I purchased a cooker from my mums catalogue around 9 years ago. About 6mths after my husband had a mental episode and was hospitalised and i had to give up work to look after him and our children. As i couldn't afford the repayment each month to my mum the account was passed to me. The debts started mounting up so we seen a debt specialist at the CAB office who sorted out all the debts and offered them all £1.00 each (apparenlty we had to offer all debt companies the same amount). Empire catalogue accepted the £1.00(shop diect) payment and everything was fine. Then the debt was passed to droyds debt and collections services who accepted the £1.00 payments. The on the 14th july 2008 i receieved a letter from NDR saying that they had took over the account and to keep on paying the amount offered of £1.00. On the 21st march 2009 i received a letter telling me they were adding on £12.00 as payment not receievd even though it has always been paid by standing order every 28 days and that they require the full amount - does state on letter £1.00 received. This was the start of my problems with them. I sent them a letter stating that they had accepted the £1.00 offer, and a copy of the letter, to which they responded that that was now out of date and they now require £40.00 per month. I wrote to them explaining my situation which now included the fact that i couldn't work as our son was diagnosed with a life threatening illness so i have become his fulltime carer and included income/expenditure form. I received a letter telling me that they were not going to accept the £1.00 but would hold interest on the account for 6mths, if i paid the £40.00 per month. Since then they keep on adding £12.00 to the account which now stands at £800 - all the other debt have now come off my credit file and most were paid off when we had to sell the house 8 years ago, but it was the large debts we paid off. NDR will not accept my £1.00 offer, nor will they accept a settlement arrangement, as i asked them if i could settle the amount for a lower figure and they have turned me down. This debt is still on my credit file as they never defaulted the debt but shows up late payment each month. I did send them a letter asking for copy of my credit agreement which they sent me a blank credit agreement, but this was back in 2011. I have had phone calls to them to try to lower the amount since and letters but they always turn it down, lowest amount they will take is £39.00. I haven't had time to deal with this debt until now due to personal reasons beyond my control but now i want to try to resolve the matter but i am getting nowhere with NDR, told by them to speak to a debt advisor and get letter off them saying i can only afford £1.00per month, which i did last week and three companies weren't interested due to the amount owed only being small. Any help will be much appreciated. stacey