NDR again, refused token payment and charge freeze.

[tonixx]

I CCA'd my 2 accounts with NDR, both was valid, now ive sent a letter asking them to freeze interest and charges and accept £10 a month (for a 12 month period), they replied with 'it doesnt reach their minimum payment' and they wont freeze charges and interest.

 

is there a follow up letter for once they refuse? I saw one before but cant find it now not sure if it was on this site tho.

 

They also said if I dont get upto date they will forward onto a 3rd party - which i wouldnt mind, they wouldnt be able to add charges, and would probably agree to a lower payment.

But I also recieved a letter saying it would go to court, wish they'd make up their mind!

 

[tonixx]

I CCA'd my 2 accounts with NDR, both was valid, now ive sent a letter asking them to freeze interest and charges and accept £10 a month (for a 12 month period), they replied with 'it doesnt reach their minimum payment' and they wont freeze charges and interest.

 

is there a follow up letter for once they refuse? I saw one before but cant find it now not sure if it was on this site tho.

 

They also said if I dont get upto date they will forward onto a 3rd party - which i wouldnt mind, they wouldnt be able to add charges, and would probably agree to a lower payment.

But I also recieved a letter saying it would go to court, wish they'd make up their mind!

[cerberusalert]

NDR are Littlewoods in-house pet monkeys, they'll soon get fed up and sell the debt on. When they do all charges will have to stop.

[debt4get]

how do you know the agreements are valid...if it is for littlewoods the chances of them having a valid agreement IMHO is normally zilch

[Guest Cartaphilus]

More than highly likely, yes. NDR are of the variety of in-house ones that do a 'lot of huffing and puffing' but not much listening to your situation. If at all.

 

You are correct in surmising that when it eventually gets passed to an actual DCA (which NDR isn't just collections/arrears for SD/Littlewoods/any number of other catalogues under that umbrella name) it may be easier to negotiate with them re lower payments. Whilst with NDR, though, they won't, they will continue asking you for more and they will not back down. I will now mention this because I know at some stage they will 'offer it' to you either in a phone call or by letter. They may at some point try to get you to take out a loan to cover the old debt. This is a fairly common thing I know happens with mostly anything NDR/SD/LW related. Refuse.

 

As to their letters, which I've seen plenty of from NDR (all generated, of course) they are no different to any other threatoratic letter.

 

As to the validity of what you've received, perhaps you'd need someone to take a look at it? The older it is, the least likely it contains certain things.

 

In other words, if you can let someone take a look at it on here, it may be of very positive benefit to you right now. Blanking out all personal details, of course.

Edited April 20, 2010 by Cartaphilus
To correct grammar

[count orlok]

I didn't think Littlewoods had any enforceable/executed agreements, don't they usually produce one like you would have signed if you took the agreement out now?

[Guest Cartaphilus]

Yes, the 'here's one I made earlier but this is how it looks now' ones. But mostly all look the same now. I think they started using those new look ones post April 2007. Which, of course, is when things changed for what had to be contained in an agreement. Funnily enough.

[heather66]

i have been on a repayment plan via NDR (littlewoods now Very) for nearly 2 yrs via the cab ...my advisor recently sent a yearly report and new offer of payment to then and i recieved a reply from Very this morning ....

 

according to our records oyour clients balance is XXXXX it is not our policy to suspend interest (must be new have done it last year and a half) look forward to recieving a payment scedule ...meanwhile a token payment should be made by 19th April until an agreement is made (recieved this letter this morning 21st april)

[tonixx]

They may at some point try to get you to take out a loan to cover the old debt. This is a fairly common thing I know happens with mostly anything NDR/SD/LW related. Refuse.

 

This is why they are valid, as i already did this, they told me it was the only way to get the debt paid off, i agreed at a price i could afford but circumstances changed and i cannot keep up. They refuse to help me, so what can I do.

[heather66]

have you been to see the CAB or CCCS they sometimes take more notice via a third party

 

....i have just found my written agreement from littlewoods extra (now very) agreeing to reduced payments b and suspend interest for 36 months getting it sent to advisor and them direct by recorded delivery tommorow

[tonixx]

As thought, or hoped even... one account as now been bought by Lowells....

 

Could of at least given me Wescot

[heather66]

Lovells sorry lowells another one of my favourites ...not ..they dont send payments slips to me so how am i supposed to pay them ...cost me to pay over the phone

[debt4get]

This is why they are valid, as i already did this, they told me it was the only way to get the debt paid off, i agreed at a price i could afford but circumstances changed and i cannot keep up. They refuse to help me, so what can I do.

did i read this correctly? you were told to take out a loan in order to get the debt paid off? this is a total no no....personally i would be paying them what i can afford NOT what they want....

[debt4get]

Physical/psychological harassment

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

issue a complaint to the oft immediatly you should never have been asked nor pressured into taken out further funds by borrowing more money

[tonixx]

Yes that is what they told me. This was before I joined this site. I never thought this would be against any rules.

 

Obviously I didnt record any phone calls, so how could I prove it...

 

I will look into reporting this now.

[tonixx]

Just a quick question, Ive found the online form to fill in for a complaint, on consumerdirect - part of OFT.

 

Will this cost me anything? I cant see anything on the site?

 

Also should I put that theyve been adding more and more interest or is that not what they'd be bothered with...?

 

Im going to email them the complaint first, and as soon as I get a reply with whats what, I will call them and ask them everything too.

[debt4get]

no it wont cost you anything...what you want to put is that you were pressured by them to take out another loan to cover the debt...this is totally against their rules

[tonixx]

I had a call yesterday but couldnt discuss it properly, as I was out, couldnt talk and didnt have any paperwork with me. The lady is calling me back on Tuesday as she only worked til 2.30 yesterday.

 

I willl keep you updated.

[jed52]

Yes that is what they told me. This was before I joined this site. I never thought this would be against any rules.

 

Obviously I didnt record any phone calls, so how could I prove it...

 

I will look into reporting this now.

 

The general advice on this site is...DO NOT RING THEM.

They lie through their back teeth to get you to agree to anything and then deny the phone call ever happened.

Why are you not heeding this advice?

Get everything in writing to create a paper trail.

Do some more reading on here and find out what these 'companies' are really like.

jed

[tonixx]

Hi, I have 3 enforceable debts, who sit currently with Red!

 

They was Lowells, who passed it to Red.

 

I have been paying the debts at £5 per month (each one) for over a year, a few months ago I recieved a letter saying my year agreement was up and I needed to rearrange payment. I ignored it, because, I am and have been paying, and thought stuff em tbh.

 

Then it came to Red, it had been forwarded, they had it and are going to pass it to Hamptons legal who will apply for a CCJ.

 

Am I right, these are all the same company? As each month as my payments go out my bank thru SO, each letter I get, my debts are dropping!

 

Is there anything they can do? All 3 debts equal upto about £800 - not alot.

 

Im thinking, Im paying, so they cannot take me to court? Im looking for reassurance here, do these latest letters join the rest in the bin or do I contact these morons. I dont wana waste money on a stamp for them.

[unclebulgaria67]

CCA requests would be a wise option here, if CCA applies. What types of debts are these ?

 

Even if you are paying £5 a month, this does not mean that they could not apply for CCJ's, but if the £5 a month was found to be a realistic amount by a court, then they would not have gained much.

[tonixx]

Ive already done the CCA lines, it was catalogues, which wouldnt of been enforceable but they told me to change the 3 amounts into loans, which are.

[Poolio]

, they had it and are going to pass it to Hamptons legal who will apply for a CCJ.

 

Lowells, Red and Hamptons are all the same company.

 

Are you sure they WILL apply for a CCJ or is it their usual 'MAY' take legal action or 'WILL CONSIDER' a CCJ, etc?

[tonixx]

Ahhhh, I should read things properly. They may!!!

 

So do I wait for Hamptons threats, before writing to them again?

[dx100uk]

get an SAR off to the cat company

 

and get reclaiming

 

most cat debts are 90% PENALTY charges

 

name the accounts please

 

and i hope you are not paying a dca as well?

 

NEVER EVER pay a DCA

 

dx