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Made a mistake of agreeing to payment plan wth NDR/Very


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Hi, I am wondering if any of you can help,

 

I have made a repayment plan with NDR money/ very of £58PCM but can't afford it without being left with not much to live off.

 

This is interest baring and for 21 months, I was wondering if there is anyway to get it lowered or written off.

 

Thanks

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reclaim all the £12 charges

 

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 a cat debt

lowest of the lows

 

£1PCM at best.

 

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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yes

 

have a read of the links below

 

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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urh

 

links not working

try now

 

GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT

read here

 

 

 

Credit Reference Agencies:

Experian Equifax CallCredit

Sort Your Debts Now - Follow this excellent guide- here

 

 

1. Single Premium PPI Q&A Read Here

 

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

rather than hittting to be my friend - hit the star

DX

Siteteam

rant.gif

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 will start this and also with my 2 credit cards. Will I need to send a letter to all of them to stop charging late/non payment fees and interest?

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can we confirm this IS a catalogue debt please

 

who is the OC?

 

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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Share on other sites

sorry you did say that earlier.

 

you cant 'stop' them charging penalty fees/int

 

however....you have levers you can pull...

 

you tell them they are

as a goodwill gesture, in times of financial difficulty

 

getting £XX [5-15] for 6mts [to be reviewed THEN]

 

as a reciprocal goodwill gesture

could they please refrain fronm levying unlawful PENALTY charges and freeze interest.

 

if they dont

then you drop them to £1PCM for the rest of your life!!

 

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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Okay so now I write a letter telling them of Financial difficulty and that I will pay them 5-15 pounds a month etc but then if they say no ?

 

you pay them whatever you want but its a cat debt so p'haps £5

 

payit by internet ganking site

 

 

they CANNOT refuse it

 

if they refuse to freeze int /charges

 

you write again TELLING them because the have refused to assist you [against industry guidelines that state they should]

 

you are now reducing them to £1PCM till you die

 

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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This is a draft letter

 

My address

March 26, 2012

 

Shop Direct

1st Floor, Skyways House

Speke Road

Speke

Liverpool, L70 1AB

 

 

Dear Sir/Madam

 

Re Account No/Reference No:− xxxxxxxxx

 

I had previously made a repayment agreement with NDR money for £57.53 a month as you are the original creditors I am corresponding with yourselves.

 

Since making the above agreement, my circumstances have changed.

 

I cannot now afford to agreed monthly payments because I am currently in receiving Job Seekers Allowance which totals £90.64 a month

 

As you can see I have only £90.64 per month income. I am therefore paying you a reduced payment of £10 a month as a goodwill gesture.

 

In view of my circumstances, I would be happy to reduced offer of £10 per month. If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

 

Should our circumstances improve I will contact you again in six months time to make another arrangement.

 

I would be grateful if you would send a paying−in book to make it easier to pay you. Thank you for your assistance. I look forward to hearing from you as soon as possible.

 

Yours faithfully

 

Llama247

Edited by llama247
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Hi llama

 

Who is the creditor?

 

On the back of your most recent statement is there a section of text at the bottom showing an assignment to SDFC [co reg no 4660974] in Bolton BL3 6AX?

 

Gez

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Hi llama

 

Did you check on the statement?

 

Not that i disbelieve you but....... as far as I'm aware SDFC assigned all group accounts to the Bolton address over a year ago

 

NDR Money...... they are another group company trading under their own registration number [dormant] and own cc licence.

 

If NDR have been issuing statements and charging interest on the account whilst its assigned to SDFC they would have no lawful right to do so.

 

Gez

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