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Help with NDR Money


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Hello

I owed Littlewoods around £1600 and had a payment plan directly with Littlewoods.

I was paying what I could afford £8 a month as part of my income/expenditure from the CCCS.

 

I have since been going it alone, negotiating with creditors and have payment plans in place with all other creditors.

I am not using the CCCS anymore due to a dispute with Natwest.

 

Littlewoods have now passed the debt to NDR National Debt Recovery Limited

(of Orlando Buildings, Thynne St, Bolton, BL3 6AX)

 

I have sent them a revised statement of income and expenditure,

showing that I can afford to pay them £20.75 per month.

 

NDR have refused this offer and added £12 to the account

"for several attempts at trying to contact me via the telephone".

 

I have misplaced their last letter but I have one with in bold saying

Our client is about to issue a Statutory Default Notice on this account which will request full payment of your arrears within 14 days.

Failure to do so will lad to us registering a default with the Credit Reference Agencies which may affect your,

and those who you are financially associated to, ability to obtain credit from other lenders for 6 years.

 

Call to discuss blah blah blah

 

 

What do I do next?

I am considering sending a £1 postal order to see if they have the original credit agreement (I dont have a cheque book)

Unfortunately I signed some documents about the extended terms products from the catalogue some time ago.

 

Would appreciate any help or advice

 

M

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firstly its a cat debt

its get £1PCM

it is not a priority debt

2nd

you need to look at reclaiming all unlawful penalty fees

ie the £12's NDR at littlewoods have been charging you.

i'sd also check you have no mis-sold PPI too

 

no creditor nor their tinpot DCA have any legal right to see you pers financial details either.

as for the threat of an SD [not allowed]

and as for its effect on others that is crap too.

 

pers i'd totally ignore them

NO dca has any legal powers to do nowt bar send threat-o-grams.

 

what does you cra file about this debt too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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NO more I&E's NO more paying above & beyond £1 a month, this is ONLY a catalogue debt, which will never ever be a priority.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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firstly its a cat debt

its get £1PCM

it is not a priority debt

2nd

you need to look at reclaiming all unlawful penalty fees

ie the £12's NDR at littlewoods have been charging you.

i'sd also check you have no mis-sold PPI too

 

no creditor nor their tinpot DCA have any legal right to see you pers financial details either.

as for the threat of an SD [not allowed]

and as for its effect on others that is crap too.

 

pers i'd totally ignore them

NO dca has any legal powers to do nowt bar send threat-o-grams.

 

what does you cra file about this debt too.

 

dx

 

 

Thanks for your reply. My Credit Ref file just says that the account is more than 3 months in arrears. Well, that was the case last time I checked about 6 months ago.

 

So is there any point in sending in a CCA Request?

 

How do I go about finding out whether I have been charged PPI? I cant seem to find the template letters.

 

 

 

 

Also, thanks Bazooka Boo, I think I will stick to £1 a month and no more income and expenditure for them

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got all the statements?

 

if not sar them

 

charges and PPI will be listed every month they charged them

 

i suspect you'll find late/over each month certainly since you've been marked on your CRA file

also look out for letter and phone and Debtcollection fees

 

ALL CAN BE RECLAIMED

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you dx100uk.

 

I don't have all the statements. However, I checked them monthy and they have not been charging me fees since I have missed payments.

 

I have only been charged a £12 fee when the NDR Money section of Shop Direct started dealing with my account (last month)

 

I will send them a SAR at the end of this month (after payday) then I can enclose the £10 postal order. Probably a good idea as it might show hidden PPI?

 

Can I ask what the reason behind paying £1 a month is? Is this just to show that I am not avoiding the debt?

 

 

 

got all the statements?

 

if not sar them

 

charges and PPI will be listed every month they charged them

 

i suspect you'll find late/over each month certainly since you've been marked on your CRA file

also look out for letter and phone and Debtcollection fees

 

ALL CAN BE RECLAIMED

 

dx

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its only a catalogue debt

£1PCM at MOST end off.

 

as for an SD... urm......

very rarely do cat co's or their inhouse [NDR] DCA do SD's

 

its not usual to have PPI on cat stuff but worth a look.

 

i find it rare that Littlrwoods have not been adding charges.

 

how old is this debt

and does it show on your CRA file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its only a catalogue debt

£1PCM at MOST end off.

 

as for an SD... urm......

very rarely do cat co's or their inhouse [NDR] DCA do SD's

 

its not usual to have PPI on cat stuff but worth a look.

 

i find it rare that Littlrwoods have not been adding charges.

 

how old is this debt

and does it show on your CRA file?

 

dx

 

Ok £1 it is , thanks for confirming

 

They did not add charges as I was on a debt management plan. However, there's every chance that I have been charged before plan was accepted. I''m no longer with the CCCS due to a dispute with NatWest, (basically getting in the way of them freezing the interest). I maintained paying the amount around £7 a month they were getting from the CCCS.

 

The debt is on my CRA file, though I have not checked it recently. I took out the catalogue around 4 years ago and the last orders on the account were about 2 years ago.

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sar to the oc not ndr

 

you can sign it if you wish

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...
  • 1 month later...

is that all blimey!

thats very low any how

fill this out,.

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, I've filled in the sheet.

 

It seems that Littlewoods don't charge interest on their charges. The only interest they have charged is on the extended terms items that I ordered from them.

A quick search of other threads showed that they don't charge interest on the late/missed payment/collection charges.

 

Should I just send them this sheet via recorded delivery with a letter requesting a refund and that no further unlawful charges are added?

Edited by matthew_dmp
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you can still hit them for 8% stat interest then

same MO as CCC's

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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http://en.wikipedia.org/wiki/Modus_operandi

 

use the CC spreadsheet and change D15 to 8[%]

 

send that and a letter

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx :)

 

I think I have cobbled together a suitable letter - does this sound okay?

 

Also, should I send it to the person who responded to my SAR?

 

 

Dear Sir / Madam ,

 

 

I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £XXXXX

 

The £12 charges are unjust and unfair and do not comply with the guideline set out by the Office of Fair Trading. In their debt collection guidelines it specifically states, under 2.9 that “Charges should not be levied unfairly”. Under 2.10 it goes on to give some examples of unfair charges. You are in breach of 2.10.d which is the example of “applying unreasonable charges, for example, charges not based on actual and necessary costs”. It does not cost £12 to print a letter and send it.

 

I require repayment in full of this money and also statutory interest on the amount at 8%, please see the enclosed list of charges for details. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice.

 

Furthermore, 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.

 

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.

 

Yours faithfully

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ok

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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