Very/NDR debt -

[sacbaby]

Hi i am having the same problems with NDR,

 

i offered them £10 a week and they refused.

 

They keep sending me letters charging £12 every time.

 

How can i deal with them?

 

I have lost my hours at work and i am really struggling.

 

I am sick to the back teeth with there nasty letters.

 

Can anyone help and tell me how to deal with them please.

[dx100uk]

get reclaiming ALL those £12 fees

 

write and TELL THEM

 

what they are going to get - dont offer.

 

then pay by your internet banking site

 

dx

[dx100uk]

nope deal in writing only

 

tell them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrin from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

 

then pay by your internet banking site

 

and get reclaiming

 

dx

 

TAKE CONTROL

[sacbaby]

Hi I don't know if anyone can help me with NDR, but I am on a DMP with CCCS and NDR are and have been charging me for late payments, letters ect even though CCCS have paid them. Can I reclaim the charges from them if so which letter template would I use. Thanks in advance for any help and sorry if this is in the wrong place.

[Bazooka Boo]

sacbaby you need to start your own thread it will go missed here, look in my signature on how to start a new thread.

 

If NDR are still charging you for late payments, then you should inform CCCS that they are doing so, and question why they are still in your DMP.

[dx100uk]

you already have your own thread here

 

get reclaiming

 

it will be the oc not ndr that are charging you

 

dx

[dx100uk]

have you got all the statements?

 

dx

[sacbaby]

Thank you Bazooka Boo, i will inform CCCS and i believe it is littlewoods and KandCo i should be paying not NDR. I will start a new thread by looking in your signature. Thank you again

[sacbaby]

Hi I am having DMP with CCCS and

 

i have debts with Littlewoods and

KandCo which CCCS have been paying for a couple of years now.

 

I have been getting letters from NDR telling me to pay them which i made a couple of payments online

and then i stopped as after reading some stories on here i think they are the same company.

 

if CCCS are paying the main companies,

why are NDR pestering me for money and charging me for phone calls, late payments or no payments of £12 a time.

 

How do i get NDR to send me all my statements so i can check the charges?

 

I have written to NDR, Littlewoods and KandCo by recorded delivery and the letters have not been arriving there.

 

Does anyone have an address for NDR and should i ask for my statements or will they refer me back to littlewoods ect.

 

I have also noticed that they have been charging me interest every month as well

where i thought this would of been stopped when i started my DMP.

 

I know that my bill with KandCo went from £300 to over £700, an awful lot of charges.

 

I would be grateful for any advice and in which direction to go with this.

 

Thank you all

[ims21]

Two threads merged.

 

Please just keep to this one thread for this issue.

[dx100uk]

littlewoods are shop direct

K&Co are shop direct

NDR are shop directs in-house DCA

 

you need to send an SAR to shop direct to get all the statement

and get reclaiming all these PENALTY charges from both accounts

 

as for CCCS, what other debts are in your Pan?

 

dx

[sacbaby]

Hi dx thanks for your quick reply.

 

I sent a SARS to Shop Direct, they sent me it back and there are a few things in it that don't seem right to me.

 

1. They have sent me statements with the company name Very or Marshall Ward, i was never with them.

 

2. Some of the statement dates do not tally with each other.

 

3. I was with Littlewoods in 2006/7 and the only credit agreement they sent me is suppossed to have been signed by me

but it was a new contract where they basically changed the amount i owed them into a loan and not when i first purchased from them.

 

5. They have charged me for phone calls to a number that has not been mine for 4 years.

 

6. There is definitely not enough statements for the accounts i had with them, they sent me statements from closed accounts from 2 years ago and over.

 

I have also a Barclay's bill on my DMP which i am paying and they are charging me also for late payments

and the CCCS pay them the same time every month, they also charge me interest.

 

Which template would i use to claim back the charges,

and what about NDR as i have made a couple of payments to them before i realised they were the one and same company.

I appreciate your help

[dx100uk]

so they made you take a loan out to consolodate old mail order accounts

that had PPI & late charges too then?

 

ok would you say that taking the date ranges like first info they have on you

throught till today

you can see there is information between those dates missing?

 

as for CCCS IMHO i would dump them and do things yourself.

 

they have done you no favours by being in their plan.

 

info on charges etc is below

 

Credit Reference Agencies:Experian Equifax CallCredit noddle

 

 

Sort Your Debts Now - -

here

 

Start Your Own Thread - HERE

 

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_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

RIP Martin3030

[sacbaby]

Yes they consolidated them into a loan and sent me the credit agreement for this but not the original credit agreement,

this is paid through cccs and yes they charge late payment but not ppi.

 

I can see a shopping insurance that I was paying and that just all of a sudden stopped.

 

Yes there is information missing and on a couple of different months statements,

as you look down them the dates do not match what date the statement actually says it is.

 

I have been with the cccs for a couple of years and have about 12 months left,

they have not managed to stop the interest and for what I am paying my creditors,

it is not covering the charges and interest that they are charging me.

 

Can I ask NDR for a statement of my account or will they send me back to littlewoods do you know.

 

I have sent another letter to Shop direct saying that all the information I asked for in the SARS was not there

and I require them to resend with ALL what I ask.

 

I will have to wait and see what they send,

 

oh and what do you make of the statements with the company names of Very and Marshall Ward when I have never done business with them?

 

Thanks again for listening and your help x

[dx100uk]

i cant comment on stuff i haven't seen

 

however, it may ewell be those cat names as they are all shop direct owned.

 

shopping ins IS PPI, so theres something to reclaimthere too.

 

good you have sent a request for the missing data too.

 

NDR ARE LITTLEWOODS are shop direct, so dont know why you are mentioning this.

 

 

dx

[babydoll0141917]

Marshall Ward is now Isme..If you have never shopped with MW then you really shouldnt be getting statements with Mw on them

[sacbaby]

Thanks guys for your help, I will wait to see what paper work they send me then take it from there. I will keep you up to date. Thanks again. X

[Old Cogger]

shop direct do get the letters but must refuse to sign Royal Mail for them (they think they are above law) as I found that they refer to letters sent in the past, so treat as they have received and copy the Mail site processing thru system that is enough as proof of postage.

 

NDR is shop direct a dormant company funds NIL 1 shareholder shop direct.

[dx100uk]

second class & proof of posting from po counter is all you need

 

dx

[sacbaby]

Ok so lets assume they have recieved my letters, but they are not replying to them , where do I do from here?

[sacbaby]

So if I assume they are recieving the letters, they are not replying so where do I go from here?

[Bazooka Boo]

As long as you have copy's of everything you have sent, then if they choose to ignore you, just reciprocate and do the same.

[sacbaby]

ok, so if i don't get any reply what is the next step? sorry for all the questions..

[dx100uk]

reply to what letters did send?

 

dx

[sacbaby]

I sent a request for the rest of the information that was missing from the SARs.