NDR/Kays

[paulh1818]

Hi. Received a letter from National Debt Recovery regarding my account with Kays catalogue. I'll be sending a cca in the new year. They have headed the letter 'Notification Of Instruction To Proceed'. It's the typical kind of threat-o-gram (ruin my credit file, court proceedings etc.) but then it just says if I just pay the arrears they'll review all default charges and everything will be hunky dory. So,does anyone know if these people have any weight or is it just kays trying to get a payment?

Thank you!

Paul.

[Guest jsa12]

have you signed a cca,if the account was opened after april 07 it will be covered by the 2006 act,those before are effectively written off as long as you have not signed anything and the catalogue company will send a letter stating they will not be pursing the arrears,you will get various add on charges from ndr but these are meaningless and they will eventually stop,the account in dispute letter after the cca request prevents any other dca trying to exploit a unenforceable non existent cca.

[paulh1818]

The account was opened around '07 but I can't be sure exactly when. I don't remember signing anything. I'll send the cca and see what happens. Thanks.

[maroondevo52]

Re-claim the charges, did you apply for it on-line ?

[Guest jsa12]

dont pay any charges,send the two letters above cca first with £1,you will probably get back a blank cca stating this is their most up to date terms and conditions,then silly charges under the guise of "the substantial effort i have made in trying to contact you" people who have mistakenly contacted them continued to receive the same stupid letter,this is useless and in vain by them.i walked away at that point ignore ndr i received not pursuing letter,yes they will send statements in the hope of receiving £12 ignore these at all costs they will eventually stop.the debt is totally unenforceable.

 

they might try and get you to sign a consolidation up to date cca,some have reported this it did not happen to me,if it does ignore that too.

[paulh1818]

I did apply for the account online. And yes I have been receiving letters stating that they have added charges due to the substantial effort they have made to contact me. Am I to take it they think they can ring me to the point of harassment and then charge me for the effort it takes to do so? Thanks for the input. I'll send the cca first week in january and see how it goes. I'm not going to worry about this lot over christmas.

Paul

[harrassed senior]

You can also send the harrassment letter if the calls are more than 2 a day.

 

http://www.consumerforums.com/resour.../52-harassment

[paulh1818]

Thanks. The calls don't bother me too much. I just ignore them mainly. I've taken to unplugging the land-line in the evenings. I have a few dca's chasing me at the minute so it's just easier to unplug it and use a mobile. I can easily get up to 60 calls a day with all dca's combined. But kays have the nerve to send letters saying they've had to add charges because of their 'effort'.

[Tingy]

I'd slow down a bit and send SDR a Prove It letter. You have not been told your account is being assigned to a DCA - you should have received a Notice of Assignment. If this doesn't exist they can't collect the debt. I always ask them to prove it first - I reckon somewhere between 80-90% of the time this is all that is needed to get rid of the DCA completely as they cannot provide sufficient proof.

[Guest jsa12]

I did apply for the account online. And yes I have been receiving letters stating that they have added charges due to the substantial effort they have made to contact me. Am I to take it they think they can ring me to the point of harassment and then charge me for the effort it takes to do so? Thanks for the input. I'll send the cca first week in january and see how it goes. I'm not going to worry about this lot over christmas.

Paul

 

 

i and many others have been through exactly the same thing,just calmly replace the receiver and ignore these people,it will stop they are relying on your response,send the cca request then the letter of dispute and above all ignore them ,it takes a while but this will all end.

[paulh1818]

Thank you. All of this is most reassuring. I am so glad I found this site. As I said, I am dealing with a few dca's but I am feeling more relaxed about things now.

[paulh1818]

Oops! I totally forgot about my kays account. Been dealing with way too many dca's since christmas. However, they havn't forgotten about me because today I received 33 (!!!) default notices. I'm guessing that it is one for each item I purchased from them?

[dx100uk]

what actual letters?

 

dx

[paulh1818]

http://i1236.photobucket.com/albums/ff458/paul19731/DSC00765.jpg

 

Like I said, 33 seperate letters in total. All with different amounts. I havn't had any letters from kays for a long time, just from NDR and the last I heard from them was before christmas.

[paulh1818]

I am absolutlely delighted that my kays account has been passed to Lowell Portfolio.(just need one of my debts to go to cabot and I'll have the full house!) Received a letter from them yesterday to inform me that if I pay up they wont pass it to the collections department(?). I'll be sending a cca request this week but I was quite surprised to find that they have my email address and have started to email me too. No other dca has ever emailed me and I don't know how this lot have found my email address.

[dx100uk]

i would think through kays?

 

did you use online stuff?

 

dx

[paulh1818]

Ah yes. Kays did have my email address. Duh! I'll send it back to them - unknown at this 'email' address.

[paulh1818]

Had another letter from lowell today. I'm not worried because it has crossed with my cca request. Though they mention they could set up a 'bespoke repayment solution'. I've never heard this term before. Anyone know what this means? Thanks.

[dx100uk]

i means they have setup a payment arrangement which is to their liking

would you like to agree to it?

[paulh1818]

Well I knew it wasn't going to be to my liking. The email I mentioned earlier in this thread said I could pay a pound a day. But since they have an arrangement ready and waiting, I'll ring them now!

[paulh1818]

Well lowells have finally sent my credit agreement - reconstituted obviously. Though they say that kays have assured them that I would have signed an agreement before being granted credit. Would it be best to just make an offer now?

[dx100uk]

what isthe history please

and is this showing on your cra?

 

dx

[paulh1818]

I defaulted on my kays account about 6 months back. NDR have been chasing me since then and recently it was sold to lowells. I have never checked my credit file. I remember readin a post on here somewher that checking your credit file isn't really a good idea. Quite honestly, I don't care if I can never get credit again.

[dx100uk]

they get your info from other sources anyhow

 

if a debt is not on your CRA why pay it?

 

dx

[king100]

Why would checking your credit file be a bad idea?