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Found 9 results

  1. Hi I've got 4 catalogues with late charges but thought i would start very claim first, I've sent my sar letter its came back with all sar information for all catalogue 4 accounts. So my questions are, Do i do one claim letter for very, littlewoods, choice, kays. What address do i send letter too. Also should i put interset rate at 24.9% thanks amy29
  2. 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 r
  3. ...I have a few creditors I have offered pro-rata payments to as I have lost hours at work and cannot now afford my bills, I sent them all template letter B as advised and so far have had rubbish responses from all of them, the latest is k&co.... This is what I received; Dear mr XXXXXX Thank you for your recent letter regarding a possible payment arrangement. Unfortunately we are unable to accept your offer as it does not meet our minimum payment criteria.... They then ask me to ring them (!!) to discuss - if I do not do this within 7 days they will assume I no longer r
  4. I have a Kays mail order account, due to being unemployed for a few months, I got into arrears and NDR are now contacting me, arranged to pay a lower amount with them thinking it was Kays, I am paying the amount every month to Kays but have now accrued late payment fees, due to them not making it clear that payment is not due on a set date every month. I am going to start the reclaim for these this week. But my question is, I have been paying into Kays account as normal so why am I getting a statement every month from NDR, has anyone tried to get this changed back to Kays statement, I know t
  5. So wifey has a Keys account which has been in default since Jan 2012 (you know the rest). I'm going to reclaim the Late payment fees Just need some information on this (we have all the statements from Kays); 1...Which spreadsheet do i use to work out the total reclaimable. 2...How much intreist should I charge on the total reclaimable. Thanks, will post my dealings.
  6. Hi On Sept 11th i recieved a letter from Transcom Worldwide Ltd claiming i owed a debt of £284.93 and they were collecting on behalf of Arrow Global Guernsey, i sent the letter stating i have no knowledge of any such debt being owed and have today received a reply stating Dear sir/madam we write in reference to your most recent correspondence of which your concerns have been noted please note our clients Arrow Global Guernsey Ltd purchased this debt from Kays and now legally owns all rights to to seek recovery of this debt and we are legitmately instructed to act on t
  7. Hi In March I ordered a washing machine of KANDCO online, which offered a buy now pay later. If you know Kandco, you have to fill out the promotional code to do this, which I did and proceeded with the order. After receiving threatening letters from them about not paying the minimum requirement, I contacted them stating that I had doe this on a buy now pay later deal. Initially, I received an email that back that the buy now pay later deal is checked with credit agencies and that my credit did not allow me to proceed with the deal. I replied that I had already received the item.
  8. 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.
  9. Hello Forum, Well I had heard so much about this forum that it seens the best place to post my question and hopefully seek the help that I need (if any solutions exist) to the problems I am faced with Shop Direct & CapQuesr. In a nutshell, my wife took over her mothers Kay account and was ordering items to be delivered to her mothers address with her complete consent and was paying back the minimum payments as per Kays monthly direct debits. We had some financial problems and my wife ending up not paying the monthly direct debits and the account fell further and further in
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