Please help - shop direct and NDR money

[njay]

I have got myself in suh a pickle and not sure what to do.

 

I advised my creditors back in March 2011 that I was having financial difficulties and please would they accept reduced payments and freeze interest.

 

Simply Be did with no problem.

 

I also had 6 shop direct accounts (crap I know!!!), 4 of them eventually agreed to do the same,

 

however two of the, have continued to add charges ever since

- nearly £90 per month in interest etc....

 

. I keep writing to them but they have said that unless they get something from a company regarding my finances then they are within their right to keep adding these charges!!'

 

I feel,totally sick as both these debts have now doubled and there is no way I can ever, ever afford to pay these back !!

 

 

What do I do now - just feel awful that I stuck my head in the sand and let these get away with it

 

Thanks

 

Nicki

[dx100uk]

silly beggars

 

you do know you can reclaim ALL these £12 PENALTY fees?

 

if you've not got all the statements

 

then i'd SAR shop direct

 

get them

 

and get reclaiming.

 

i've moved your thread to the cat forum

 

there are plenty of threads here to read.

 

cat debts are VERY low priority

 

dx

[njay]

Thank you, I know they are a low priority but they are now the largest outstanding debt I have due to all these charges.....

[dx100uk]

6 threads merged

 

njay can you please stop creating new threads

on a subject you have already have one running for

 

i hope your DMP is not a fee paying company

 

info on charges reclaiming is below

 

[same as credit card charges]

 

dx

[njay]

Well, just a quick update

- I wrote to shop direct and advised that I would be advising the financial ombudsmen over their lack of help and understanding.

 

Had heard nothing from them until this morning when I received statements showing refunds of nearly £1700 on each account !!

 

I can't quite believe it and am not sure if this means that they will now accept the reduced payments,

 

but just the fact that the debt has reduced by £3400 makes me smile

[dx100uk]

how do you know thats correct?

 

did they also give you the associated interest too they charged?

 

dx

[citizenB]

WoW, that is good news - so it looks like they have refunded the charges to the account.

 

I would have another stab at asking them to accept the reduced payments