Really appreciate anyones help here!! I ordered an iPad quite a while back now back in 2013 from Very. It never arrived and I only got an empty box. I complained to very.co.uk and they would not refund me. I contacted my bank and they suggested I raised a chargeback and I got my money back. I kept getting letters from Very stating I owe them the amount and if I do not pay I will be contacted by a debt company. I contacted my bank and was told not to pay the debt as I had not received the device. I now have a letter stating I have a default notice because of this amount from Very and NDR debt company. I contacted very again and the debt company, no one is helping me and my credit is still being affected by this. Whoever I speak to I keep getting turned away. I then contacted the head office of Very (Shop Direct) and explained the situation. They replied saying I didn't reply to letters or emails (I did) and that because of the length of time they will not re investigate and I still need to pay the debt and that it may effect my credit score. I emailed and called and tweeted them. They stated that the item was sent out. I then contacted the head office and they investigated and concluded that nothing could be done. I reported it to the FOS 2 weeks ago when i received a default notice letter. I did not do anything before that as i was advised by my bank to ignore letters and to not pay anything. What do i do?! I never got the item so why should I pay the debt?! My bank even says do not pay it. Any info would be great!

Hi, I am posting this on a few of the Shop Direct posts as I have been working on 3 claims on behalf of a relative and want everybody who has been charged by them to reclaim their charges and all applicable interest as these are possibly the most arrogant of all the companies I have dealt with and will firstly refuse your requests and then as it goes on breach the court procedures and ignore the judges requests until they ultimately settle as of they have no defence and no desire to go in front of a judge. The final outcome on the claims is posted below as the e-mail sent to me for my relative. Shop Direct have still not paid the sums stated in the e-mails in full and have part paid so still looking to court. Please click the star if this is informative and feel free to contact or reply to this post for any assistance. I have just advised the defendant to make the following account credits, which I believe satisfy your *******'s claims: Claim No 1QT08206 re account ref ******** (Littlewoods) Credit to the account of £175.79 Claim No 1QT09646 re account ref ******** (Very) Credit to the account of £251.72 Claim No 1QT24916 re account ref ******** (Choice) Credit to the account of £137.12 - to include the charge of 30/4/11. I understand that the adjustments will take place on Monday. Regards

Hi Guys! This is my first post so please excuse me if I have posted in the wrong location! Basically I really need as much help as I can get I am currently having problems with littlewoods who have placed various charges on my account. I sent a cca request with the fee on the 16/07/2010 which they sent back to me on the 6th August, minus the fee with a note attached saying "Please provide correct account reference/ previous address details" Now silly me I missed a digit of my account number on the cca request, but I am wondering why they would need my previous address as surely they already have it on file as that is where the account was originally started, plus they have my name and current address on the letter which is on my account with them. I am not sure what to do next should i send them the information requested and what would happen in regards to the timescale for them to respond. i.e would the 30 calender days and 14 working days timescale start over again???? Any information on the subject or templates would be grately appreciated. Thanks guys

Hi Guys, looking for some advise, I was terrible with my finances years ago but after a long battle Im back on track, my girlfriend however, isnt. She struggled with the 28 day statement cycle (ridiculous system in my opionion) and fell into debt with Very. In the past she received a claim form from the courts while I was away. She admitted the debt and offered to pay a sum each month. We've just got back the acceptance part but now I can see it I'm not 100% convinced. How can you tell these forms are real? The form is not stamped but a printed on stamp, there is a claim number and the address given if for Northampton county court bulk center. It might all be legit but I no the levels these DCA's stoop to and didn't want to be tricked into something. Any advise would be great.

I have just had a county court claim from Lowells Portfolio Ltd regarding a catalogue debt of £144 (now £226 with court costs). I had an account with GUS Ltd dating back to the 1980s but this was taken over by KandCo a few years ago. I always paid my debts but was a bit lax about doing so on time, but it didn't used to matter with GUS as long as I paid it. When Kays took over it all changed I started getting charges amounting to £24 each time I was late, in the end I got fed up with it, in July 2011 I paid off my balance and emailed them telling them I was closing the account. I didn't get a response but another statement showing another £24 charges added (because I had paid it after the due date). They continued to add charges until it was £144 and a debt collector took over the harrassment. Apparently Lowell has bought the debt, which I wasn't aware of. Can anyone advise me where I stand with this, is there anything I can do?

In reference to Thread found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?342500-Shop-Direct&p=3759254&viewfull=1#post3759254 This thread relates to the CapQuest Account with a Balance of £884. Attached are copies of the Notice Of Default Sums & Notice of Sum in Arrears [ATTACH=CONFIG]42184[/ATTACH] [ATTACH=CONFIG]42183[/ATTACH]

Hi all, Couple of weeks ago I was helping the mother unit out with paying bills over the phone, when she passed me her K&co statement. On here it had "Account Cover Plus" (PPI) and asked did you ever ask for this, reply was Nope I thought it was to do with Item Warrenty's . (something which she takes out seperatly with K&Co). I went online and brought up the statements (only shows past 6mths) and low and behold theres the PPI on each. Now my mother has had this account since 1990 (rang and confirmed date of opening) so of course $$ flashed infront of my eyes especially with her APR showing on some of the statements of 36.9% (even rang and they confirmed lol) - her credit limit with K&co is £10k!!!!!! I've reqeusted the SAR, and it's come back with the past 6yrs of statement entries. and a message on there recorded actions "of SAR requested", "no agreement found". Theres no doubt in my mind that the PPI goes back way further than the 6yrs that they have provided me. From reading all the info on here they will try and say well its not just for employment cover its for this and that. well when my mom took out the account, she was not working & recieving incapacity benifit & my dad has always been her carer, they had there own Life insurace (up until 3yrs ago), have home contents insurance through the bank, and the best line my mother come out with is why would i need cover if i'm dead, what they going to do? Now on to the money involved, From the statements we have (first one is dated 27/08/2007): Attached is spreadsheet Total Charges: 754.40 Compound intrest @ 36.9% APR: 2156.51 Total: 2910.91 Again from reading on here, they will try and say she asked for it blah blah, s o I will state in my letter there is no proof, i will also fill out both the FSO questionnair and also there own claim questionnair (seen one on here will just blank everything out). I would like these couple of questions clarified: Are they only entitled to provide last 6yrs of details? Is there away of claiming an "Average" additional some based upon the details I have already ie 1990 to 2007 I keep seeing 8% being quoted as the rate - why is this? I may be wrong but my understanding is that you use the rate of what they have charged/account rate then the 8% is the daily rate from submission of claim? As always thanks for time in reading and replying.

In reference to Thread found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?342500-Shop-Direct&p=3759254&viewfull=1#post3759254 This thread relates to the Lowell Account with a Balance of £409. Attached are copies of the Notice Of Default Sums & Notice of Sum in Arrears [ATTACH=CONFIG]42186[/ATTACH][ATTACH=CONFIG]42187[/ATTACH]

In reference to Thread found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?342500-Shop-Direct&p=3759254&viewfull=1#post3759254 This thread relates to the Lowell Account with a Balance of £1080. Attached are copies of the Notice Of Default Sums & Notice of Sum in Arrears [ATTACH=CONFIG]42185[/ATTACH] [ATTACH=CONFIG]42182[/ATTACH]

Hi everyone I have recently claimed back £300 pounds worth of charges from Shop Direct. My claim included interest at 39%. Howver, they state they won't be refunding interest back on these charges which nearly amounts to £280. This is my remaining balance. They defaulted me last year for £347- can I get this Default removed and claim the interest back? Thanks everyone

Hi, New to the site, looking for some advice to hopefully put my mind at rest. Sorry if it seems like i'm rambling! Bit of background info first. Years ago, way more than 6, my parnert had a catalogue that she was paying off. I'm not sure of specifics, but it ran into a debt. This was all sorted at the time of the debt by the catalogue themselves, and the account closed off. Fast forward to last year, and she started to receive threatening debt collection letters from a company call McKenzie Hall. Not know who they were, or still thinking she had any debt, she ignored them, as she was fully aware of spoofings. She received more letters at random times from the same company. The interesting part is that the amounts were all different, some more, some less then the previous letter. She started to get a little distressed, so I started to look around the internet forums. We also looked at ther Experian report. There was nothing on there that was outstanding, It had all her credits (sofas, cooker etc) all paid in full. Her rating was just above average. I found lots of other people with similar circumstances, so sent the following email on her behalf: Sent 09/06/2011 Referenece: xxxxxxxxx Client reference: xxxxxxxx Principal Sum: £1409.47 Please give details of where this sum of money awaiting to be paid has come from, with a detailed break down if possible please. I beleive I have paid off all my creditors years ago, the last time I had credit was at least 10 years. I seem to recall the last one was 15 years ago. I do not appreciate the threatening letters and phone calls, without any form of proof of non-payment. Kind Regards Nxxxx We received nothing for 3 months, so considered the issue closed. Out of the blue, another letter asking for collection of the debt. I sent the following email: Sent 14/09/2011 Further to your letter dated 5th May 2011, which was not received until 6th-13th September, which is infact before my below respondance, having not had any acknowledgement from yourselves in a period of 124 days, I considered the issue closed. As before mentioned, I have not had any credit for the past 10 years, and any I had have in the past 15 years, has been Paid In Full. I do not appreciate this kind of threatening behaviour, especially as I have nothing to owe. Limitations Act 1980 I beleive comes into force after 6 years, and as I have had nothing for at least 10 years, I have nothing to owe. I would like a response stating the issue closed within 14 days, as per my consumer rights. If i receive nothing, i will consider this issue closed. Kind Regards Nxxx This time we received a letter almost immediately, again, threatening bailiffs etc. I checked on the Money Saving Expert forum, and found the template letters. I used one of these and sent the following: Sent: 19/09/11 Reference your letter dated 16/09/2011 I have no record of this debt and you have not provided any proof regarding this matter or who the original creditors are. Please provide me with a copy of the original statement of the account showing exactly how the amount claimed has been calculated within 28 days of receipt of this letter. If I do not receive such a statement within the specified time and you continue to contact me about this debt, I will make a formal complaint and will ask you to investigate this through your complaints procedure, requesting a reply within 28 days. I will then contact the Financial Ombudsman Service for advice if I am still not satisfied. The conditions for Statute Barred have been met: No Creditor has taken court action against me No Credit or debt payments in the last 6 years (at least 10 years to be exact) Have no written communication to creditors in the last 6 years acknowledging I have debt. Yours faithfully Nxxxx We had not received anything since, so considered the issue closed. Now today, she has received a letter from Debt Managers LTD / Arrow. This for the same amount as mentioned above. As she has seen her report etc, she just wants to ignore this. I suppose i'm the worrier, should we leave ignore this, as we cannot get anyone to provide proof that his debt is actually hers? I have been with her for 6 years, a nd she hasnt had any catalogue or made any payments in this time. As far as i am aware, anything debt that has not had any payment or acknowledgement of the debt within 6 years, is Statute Barred and cannot be claimed? The catalogue is from at least 10 years ago, and was settled with the catalogue itself. Any advice would be greatly appreciated. regards Rich

I have had an additions catalogue for years and years, last year due to my partner being made redundant I could no longer make the required repayments. I kept up the repayments for a couple of months (hoping that a new job would be found) but then contacted all my creditors and advised them of the situation. They were all pretty understanding and I asked for help from one of the debt management companies, unfortunately due to their huge workload it was going to be several months before I could get an appointment - I again told all my creditors of this, gave them my reference number and told them of the date of my appointment. Additions I have to say were the least pushy of all my creditors, very few letters, no phone calls etc. Meeting took place and after a few weeks, and only when I enquired, was told it would be at 6- 8 weeks before they would even look at my secondary debts, I contacted one of these companies and they advised they had not been written to by the debt management company. So I decided to deal with it myself. I contacted all my secondary debtors (x3 credit card and 2 x catalogues) Put together a top level financial statement (using the initial "gumf" of what a court would class as reasonable each month and to ensure all were treated equally figured out what money I had left to split between them all - this equated to an offer of payment of 0.5 %. All credit cards and the one other catalogue accepted the payment by me over the phone and agreed no charges or interest. On the 19th January when i rang Very / Shop Direct they said they would require an offer of payment and full financial statement in writing and this would be required by 3rd February (giving my 2 weeks and one day). I wrote the statement and letter and posted my next day delivery to ensure it got there for the 3rd, but today received a letter from Lowell's saying the debt had been sold to them on the 27th January. Wanting to know why Very had sold the debt BEFORE the date they told me. I rang up asking if they had received the letter of offer of payment, they said they had but not until the 6th February. I know they would have received it on the 3rd as I sent because I sent by next day delivery and have the proof of this. I was told they receive thousands of letters each day (as far as I am concerned this isn't actually my problem - they should allow for that and not me). When I asked when it was sold I was told the 28th January (so only one week after I phoned them and different to the date both they and Lowells have put in writing). When I asked why it had been sold in January when I was told I had to get the financial statement and letter in by the 3rd - prior to the date I had told it would be sold, I was told "Perhaps they got fed up of the non payment". I put the phone down in disgust at this point. I know it wont make any difference to me now... the debt is with Lowell's but I am absolutely fuming that they did not even give me the opportunity to get a financial statement and offer of payment to them and don't think they should be able to get away with blatantly lying to their customer. My question is: Is this a matter that I can complain about to the FSA for unfair treatment - I know I will have to make a formal complaint to Very about first - but there wont be any point in that unless I can take it further. Thanks for reading.

I put in a request under CCA section 77/78 to pheonix collections I left it for 40+ days and still got no responce. I decided to log a complaint through my equifax account online and got a reply within days.. Response (Administrator)14/06/2011 03.10 PM Good Afternoon, We can confirm that we have received your request for a copy of the credit agreement in regards to this account. We can confirm that Shop Direct have been unable to provide us with a copy of the signed agreement for this account and have therefore requested that we close this account. Please be advised that you will no longer be pursued for this debt by either Credit Account Management on behalf of Phoenix Recoveries or our appointed agencies. We have arranged for our record on the files of the Credit Reference Agencies to be deleted. Please allow for up to twenty-eight days for your file to be updated. We trust this brings a satisfactory conclusion to this matter. Kind Regards, Credit Account Management I am totaly satisfied with this outcome and only sent 1 letter...lol The account was opened in 2002 then defaulted in 2008 as I was made redundant. £3653 + Defaults "PoooooF" gone just like that:-D cant believe how damn easy it was

Hi, I requested a CCA on behalf of my mother from Very which they sent me this morning, I will post copies shortly, the CCA has no address info no signatures and no limits, also the accompanying letter states the account was opened May 2006, as far as I can find Very opened in 2009 - so unless my mother is a Soothsayer and predicted Very would start a business in 3 years times this must be extremely ropey.

Hiya Everyone, I haven't posted here before, So i will introduce myself briefly, My name is Linzi Iddles, I am 26 years old with 1 little boy and a girl due on boxing day. I have been married since July 10th this year, and my questions are in relation to my husbands debts. When myself and my husband got together, it was clear to me that he had some debts with catalogues opened by an ex girlfriend, But i wasn't aware how much they came to. We have now come to nearly 10k and i am slowly and surely getting more and more stressed by the daily letters coming in demanding money and threatening doorstep action. There seem to be about 5/6 different companies asking for the money, and as my husband didn't know that these accounts were opened in his name untill after him and his ex split up, someone suggested to me that i send a prove it letter, requesting a copy of the signed credit agreement that they would supposedly have if it was indeed opened by my husband. I done this, and have recieved letters back from 2 companies both with a 're-constituted copy of your credit agreement' and a 'copy of the current credit agreement which includes all applicable contractual variations and amendments that have taken place.' Nowhere on these agreements does my husbands signature appear. And one of the companies even failed to send me a full statement of account, including all interest and charges, as i asked for. So i am really confused now.........There doesnt seem to be any proof that my husband opened these accounts (as i know he didnt, so didnt expect there to be) But i am really unsure of what to do next. Do i just leave it? Or do i send them another letter asking once again for the signed (by my husband) proof that the accounts were opened by him? I would soooooo appreciate any help offered on this one, I just can't seem to find the light at the end of the tunnel, and we could do without the threat of doorstep action this close to christmas, and so close to baby being born. Thanks again. Linzi xx