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130776ds , help with NDR.


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Hello I am very new to this forum as I am having huge financial difficulties like I am sure all of is are, I decided to come on here and find out exactly where I stand! I currently have two catalogue accounts; Freemans and Littlewoods which is being dealt with by NDR. For the life of me I really don't think that I signed a credit agreement I remembe getting one through but never signed it. Where does this leave me, can I send off one of the letter templates requesting they send me a copy of the signed one. The reason for my asking is that I have fallen into arrears with both and we are on WFTC and my husband is self employed and the work is just not out there. I know I have the had the goods but I feel like they are trying to get money out of me that I just dont have and I have tried to ask them to freeze the account but they keep chucking the charges on! I hope I have replied to the right bit! Thanks, Donna

Donna :p

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Hi, Donna.

 

I've moved your post to start a new thread.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail to provide it within 12+2 days or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there;

 

Dear Sir/Madam

 

Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

You should also note that I will only discuss this matter in writing and should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you or any of your associates.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. (Optional addition)

 

I look forward to hearing from you.

 

Yours faithfully **Edit to suit**

Print name do not sign

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Thats fab I will work on the letter over the weekend and let you know how I get on. I know that they will try and bully me as they have both done it before! Will keep in touch and updated, once again thanks : )

Donna :p

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Hi 130 - we had similar situ with ndr re littlewoods cat -we followed the advice from fellow (lully) caggers & they never came up with the cca so we sent acc in dis letter to them as official complaint - they took the whole time allowed to reply but when they did it was to state that they dint have agreement and were closing the file against us! we have noted that obviously if the paperwork DOES turn up further down the line then fair dues to them they will start to chase again but its worth sifting through the advice offered from here and having ago - Just remember to NEVER speak to them on the phone (something we didn't learn til nearly too late) & always send letters recorded del (rather than just proof of postage) & try not to worry anymore - at the end of the day there is a big diff between 'wont payers & cant payers' & they cant have what you haven't got to give even if they DID find the enforceable paperwork! Will post our link for if you wanna have quick read when you get chance. Take care You are in gd hands now hun! Regards, Mpols x

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/171272-ndr-littlewoods-unable-locate.html

Edited by mysticpols06
Added link to thread :-)

'Confidence grows & heartbeat slows to a steady stronger beat, as each member unites, against DCA fights & we all sail aboard the CAG fleet!' :rolleyes:

:pKeep smiling peeps!

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I am going to send the original to Littlewoods but copy in NDR, which address do I send it to? Also I am going to do the same with my Freemans as they are being just as naughty! Is it safe to send to a PO Box address or should I send it to the Registered office. Cheers for all positive comments and help I am so pleased I found this site!!! X

Donna :p

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  • 2 weeks later...

Hello again! That was the longest fourteen days ever LOL!!! I sent off the letters recorded and I have not received a letter from Freemans but I have from Littlewoods and it is as I suspected there is No Credit Agreement. Please see attached documents (I hope I have att properly!)

Shop Direct Finance Company Limited

Sandringham House, Sandringham Avenue, Chelmsford, CM92 1LR

Letter Reference COA

Date: 10/09/2009_

Account Number

Dear Mrs SMITH

We refer to a recent request for a copy of your agreement.

Unfortunately we are unable to locate a copy of an executed agreement for your Littlewoods account, but for your information we enclose a copy of the current agreement which applied to this type of account. This version includes all contractual variations which have taken place.

According to our records, the account was opened on 07/08/1999. You agreed to make payments every 28 days.

 

The outstanding balance is currently . Our records show that £

payments have been made within the last 12 months.

in

 

In accordance with the terms of the catalogue statements are issued every 28 days.

If a third party is acting for you, please pass a copy of this letter to your representative.

Yours Sincerely

MARK WARBURTON

Admin Support Team

Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and regulated by the Financial Services Authority in respect of arranging insurance products.

 

 

 

Agreement regulated by the Consumer Credit Act 1974

1s agreement is between us, Shop Direct Finance Company Limited, whose registered office is at Aintree Innovation Centre, Park Lane, Netherton, Bootle L30 1SL (the Creditor) and you, the Customer described below:

 

TITLE:

FIRST NAMES:

SURNAME:

 

ADDRESS:

KEY FINANCIAL INFORMATION

1. Credit Limit - We will periodically fix the credit limit and notify you of it.

2. Repayments - You will be sent a statement every 28 days giving details of all transactions on your account during the period since

your last statement or, if there has been no previous statement, the opening of your account. The first payment will become due 21 days

after the date of your first statement, and all subsequent payments will be due 21 days after the date of the statement on which they

appear. The due date will be shown on each statement.

The cost of all goods purchased using the account may be repaid over 20 weeks. In addition, the option of repaying over 52 weeks may apply to selected goods as notified to you from time to time. You must make a minimum payment every 4 weeks. This minimum payment will be shown on each statement. It will be the total of the minimum payment applicable to all items purchased over 20 weeks and the individual minimum payments applicable to all items purchased over 52 weeks, plus the total of any service charges (such as express delivery charges, Paypoint charges, insurance premiums and any administration or default charges described below) charged to your account in that statement period. We calculate the minimum payment applicable to items bought over 20 weeks differently to the minimum payment for items bought over 52 weeks. For the first item purchased over 20 weeks the minimum payment will be the price of that item charged to the account divided by 5. Whenever you purchase another item over 20 weeks the price of that item will be added to your outstanding balance for items purchased over 20 weeks and the minimum payment in respect of all items purchased over 20 weeks will then be that new balance divided by 5. For all items purchased over 52 weeks the minimum payment will be the cash price of that item divided by 13. If you wish you may pay weekly. If you do so the total payments made by you in each 4 week period, ending on the date on which the minimum payment shown on your statement is due, must at least equal that minimum payment. If you use the account to purchase certain items we may ask you to make an additional payment in relation to that item. This additional payment will not increase the price of the purchase. If this requirement applies we will determine and notify you of the amount and timing of the payment when you order the item.

3. APR 0%

OTHER FINANCIAL INFORMATION

1 ~otal charge for credit £0

2 Rate of interest- Purchases on this account are interest free i.e. the rate of interest is fixed at 0%.

3 - ooation of payments - Any payments made under this agreement will be applied in the following order. We may change this order

•":• specific promotions, and if we do so we will tell you when we give you details of the promotion:

Payment Protection Insurance premiums and then other insurance premiums (including, first, any arrears). 2 Default charges and then any other charges (including, first, any arrears).

3. Other arrears.

4. Payment due on 20 week purchases.

5. Payment due on 52 week purchases.

6. Reducing the outstanding balance on 20 week purchases.

7. Reducing the outstanding balance on 52 week purchases.

KEY INFORMATION

Ie'3_ : C-a-ges - Charges are payable by you in respect of the following matters:

•:_.•=:; ~aKe at least the minimum payment by the payment due date

~z- a-. zs~: " -action activity we undertake

--. "e:;^e di-ect debit or other item for payment into your account that is unpaid or dishonoured

~e~co-ar, payment arrangement letter fee

~"ans"~er of your debt to a debt collection agency

Any court fees & costs incurred by us in pursuit of arrears

We reserve the right to vary these charges (or introduce new charges) at any time in accordance with clause 10 overleaf. Details of up to date charges in relation to each of these matters are available from us.

MISSING PAYMENTS

Missing payments could have severe consequences and make obtaining credit more difficult.

IMPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order. The Act also gives you a number of rights:

1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.

2) If you received unsatisfactory goods or services paid for under this agreement you may have a right to sue the supplier, us or both.

3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms.

Signature(s) of Customer(s)

Date(s) of signature(s)_________________________

Signature: Caroline Donnelly Signed on behalf of Shop Direct i

 

99_sdfc_Wkly Run v6.0 - CCA099

1 of 2

18/12/2008

FURTHER TERMS AND CONDITIONS

1. The credit under this agreement is to be used by you to purchase goods/services from retailers, outlets and brands agreed by us

from time to time. We may debit your account on each occasion upon which you provide us with authority to do so, including verbal

authority.

2. Purchases made on Buy Now Pay Later promotions will be charged to your account in full on the last statement before the first day

of the month specified in the promotion. Once the Buy Now Pay Later transaction is charged to your account it will be shown as part

of the current balance and will become liable for payment. Amounts owing under Buy Now Pay Later but not yet charged to your

account will be deducted from your credit limit when we calculate the amount you have left to spend. The amount of credit available

to you in relation to your account will be reduced accordingly.

3. We may, subject to any statutory notice period, demand from you immediate payment of the full outstanding balance if you fail to

make any payment owing under this agreement by its due date, if you fail to pay any other sums due from you to us within any

grace period to which you are entitled, if you fail to comply with any other terms or conditions of this agreement, if we suspect fraud

or unlawful use of the account or if any information you provide to us in connection to the account is inaccurate. The outstanding

balance for all purposes of this agreement will include all sums then due on the account together with all amounts due to be

charged to your account at any time in the future. We may close your account immediately, and without notice, if you fail to comply

with any terms or conditions of this agreement.

4. Either you or us may terminate this agreement by giving at least seven days written notice of such to the other. If you terminate the

agreement, you must immediately pay the full outstanding balance to us. If we terminate the agreement you will not be able to

obtain further credit under this agreement and must repay the full outstanding balance to us on demand.

5. If you are not satisfied with any aspect of this agreement then write to: Shop Direct Finance Company Limited, Credit Support

Team, Aintree Innovation Centre, Park Lane, Netherton, Liverpool, L72 1LE.

6. You have the right to cancel this agreement under the Financial Services (Distance Marketing) Regulations 2004. This right to

cancel ends on the expiry of fourteen calendar days beginning with the day after the agreement is concluded. You can cancel by

sending or taking a WRITTEN notice of cancellation to Shop Direct Finance Company Limited, Credit Support Team, Aintree

Innovation Centre, Park Lane, Netherton. Liverpool, L72 1LE. Fax Number 0844 822 4740. E- Mail

[email protected]

If you intend to cancel, you should not use any goods you have under the agreement and you should keep them safe (legal action may be taken against you if you do not take proper care of them). vou must notify us in writing of any change of your address within seven days of such change. 5 * ,;e temporarily relax any terms of this agreement e.g. allowing you more time to pay, we may strictly enforce those terms again at

3T. tine.

'- .'. e may transfer any or all of our rights, duties and obligations under this agreement to any other person, or arrange for any other :erscn to carry them out on our behalf, without giving notice to you. Any such transfer will not affect your rights under this agreement, or any other legal rights you may have, such as under the Consumer Credit Act 1974. You may not transfer your rights, duties or obligations under this agreement. 10. We reserve the right to vary the terms of this agreement at any time to reflect:

changes in relevant laws

changes in our system capabilities

changes in market conditions affecting our business

new developments in the market place.

.'.'e a'!! give you twenty-eight days written notice of the variation. Where any such change is not to your benefit, you may end this = g-ee~e~: c. givng us written notice and paying us the full outstanding balance before that change takes effect. ~- 3 =:-ee~e~: s governed by the laws of England and Wales, which we also take as applying prior to the making of this

'1 - :: — _- :a: :-= - re:atton to this agreement will be in English.

': - =-.. :e™ :•':" s agreement is unenforceable for any reason, it shall not affect the enforceability of any other term of this

"- _- ess . c_ -::••',• ^s to the contrary, we may appropriate any payments received from you to sums due under your account or under

= ".. ::-=• agreement you have with us as we decide. " 5 ^e'e'ences in this agreement to "you" and "your" are to the Customer named above. References to "us" and "we" are to the

C'ec :or named above, and include any other party to whom our rights and/or liabilities under this agreement may be transferred. " 5 ,','e are a financial services company authorised and regulated to carry on insurance mediation business by the Financial Services

Authority, under reference number 312190, and licensed by the Office of Fair Trading under consumer credit licence number

535857. 17, We are required to inform you that there is a possibility that other taxes or costs may exist during the currency of this agreement

that are not paid via us or charged by us under this agreement.

99_sdfc_Wkly Run v6.0 - CCA099

2 of 2 18/12/2008

Not sure what happened to some of the text but I think you get the jist!!

I presume that I should send out the next letters accordingly. I will await further advice/opinions/instructions. Kind regards, Donna

Donna :p

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Thanks for that cerberusalert. I do have one other question though, so sorry to be a pain, but I dont want them turning to me and saying that I got the timescale all wrong!!

I sent out the initial letter on the 1st Sept and received a reply from Lwoods on the 14th sept and nothing from Freemans. The reply as you know wasn't what I wanted! Now do I send my "in dispute" letter out on the 18th Sept which is precisely 14 working days after my initial letter or should I send out now? Just a bit worried as what to do, thanks for help in advance, Donna

Donna :p

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Thanks for that cerberusalert. I do have one other question though, so sorry to be a pain, but I dont want them turning to me and saying that I got the timescale all wrong!!

I sent out the initial letter on the 1st Sept and received a reply from Lwoods on the 14th sept and nothing from Freemans. The reply as you know wasn't what I wanted! Now do I send my "in dispute" letter out on the 18th Sept which is precisely 14 working days after my initial letter or should I send out now? Just a bit worried as what to do, thanks for help in advance, Donna

Hi Donna

 

Get the dispute letter in the post asap. sooner the better.

 

Good Luck

 

Mr W

Regards..Mr Worried :)

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Hiya all! Ok I gave them 12 working days and sent off the letters today, recorded. Lets wait and see what happens next. I will keep you all informed. Damn it feels good to take control and stand up for your rights!!! D x

Donna :p

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  • 2 weeks later...

Ok I have tried and tried to scan the letters but after several attempts have just given up as I am getting a huge headache!! I have heard back from Freemans AFTER the timescale given. Of course the CA isn't signed by myself and they are still adding interest to my account, although the bullying phonecalls have stopped. The last statement that I received was dated 27th September.

I also received a reply from Littlewoods basically thanking me for my letter etc and to tell me that they are investigating my complaint, does this mean that the ball is in their court and they have done all that I asked of them?

The freemans one is the one that is confusing me what do I do next with both of these companies as I am a little panicky that I haven't covered myself. Please help a rather fed up and stressed, Donna

Donna :p

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OK I have waited for responses about what I should do next and in the process have received another statement from NDR telling me that I need to pay the minimum payment. I presume they think that it isn't all over now then! Is there a letter I can send out to them to put an end to any further statements/reminders/charges being issued. I am very worried now as it all seems like they have paid me no attention at all and not taken me seriously! Please help : (

Donna :p

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Hello once again I have had another reply from Shop Direct Finance Group and they said words to the effect that although they cannot find an agreement they will not be enforcing the debt but it does not mean that it doesn't exist. Also a paragraph which I am not sure about, I think they still have a mark against my name if I were to do a credit search, something I thought they werent allowed to do, please correct me if I am indeed wrong. Heres the paragraph: "The Policy also specifies that we will share information with the credit reference agencies regarding the performance of your account. The historical record of transactions on your account is accurate and it will remain on the files of the Credit Reference Agencies for six years and as the debt will remain unsatisfied, this will be noted on our internal file for future reference". They also say that this is their final response and that if I wish to reduce the amount outstanding on my CRA File then I may continue to pay towards the account. Not sure what to do next if anything! Many thanks for all of your help on this situation I actually can smile again!!! Donna

Donna :p

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You don't have to do anything, they've admitted that they cannot provide a CCA or take any legal action. All they can do is try and trash your credit file by adding a default.

 

You do not have to continue paying them anything, but keep that letter safe in case another DCA crawls from under a rock sometime in the future.

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Ok well I thought that it was too good to be true and now Littlewoods/Shop Direct have sent me two default notices with two different amounts on. I am really panicking now and I am not sure what to do as I really don't want to end up in Court with extra charges etc! Please help, anyone?!? Thanks in advance a very worried Donna : (

Donna :p

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