Shop Direct Debt

[Old Cogger]

SAR 40 days if beyond that then complaint to ICO.

 

Shop Direct if you pay like I do £1.00 or so per month may accept, all I have seen is non payment then account sold off then action by a Debt buyer possible court route ( if the amount is worthwhile chasing), sure others will advise.

[The_Sherinator]

Mike770, how did you get them to accept? They only accepted my offer for 3 months.

[Old Cogger]

did not I just keep paying that amount, they will not talk about it via e-mail, NDR are shop direct anyway. I also run a spreadsheet on charges so that one day the amount matches what they reckon I owe them. in fact the CRA Noddle shows account not in default, so I let sleeping dogs lie for now.

[The_Sherinator]

How long have you been doing that for, Mike770? I'll just keep paying and see what happens. Surely that'll go in my favour if they do take it further. I noticed that the default does say that they MAY take further action, not WILL.

 

It's somewhat comforting to know that I'm not alone in my problems with Shop Direct.

Edited December 16, 2013 by The_Sherinator

[Old Cogger]

How long have you been doing that for, Mike770? I'll just keep paying and see what happens. Surely that'll go in my favour if they do take it further. I noticed that the default does say that they MAY take further action, not WILL.

 

It's somewhat comforting to know that I'm not alone in my problems with Shop Direct.

 

 

as I see it you are showing a willingness to pay to an extent, suppose it depends on the alledged amount you owe them>?

[The_Sherinator]

What do you mean by "an extent"? I'm showing every bit of willing to pay, I'm jut paying what I can afford lest I fall into arrears with mortgage, council tax, utility bills and forgo food.

[Old Cogger]

What do you mean by "an extent"? I'm showing every bit of willing to pay, I'm jut paying what I can afford lest I fall into arrears with mortgage, council tax, utility bills and forgo food.

 

 

 

there you are then.

[The_Sherinator]

I'm hoping that the SAR turns up soon and I can get reclaiming the charges, which I reckon will be the lion share of the debt anyway, which would reduce it quite significantly.

 

Considering it never showed up anyway, is there a template for a complaint to the ICO?

[Old Cogger]

go to the ICO site and fill in their complaints template and send it straight away, that is what I did regarding another company.

 

get those charges reclaimed if they match the amount owed, using the 39.9% + the £10.00 SAR charge from date of request.

[The_Sherinator]

I'm hoping and I'm 99% sure that reclaiming the charges will reduce the debt considerably!

 

Although, couldn't they say that the charges are fair and block any reclaim?

 

I've been getting chest pains due to the stress of this and their unwillingness to listen.

Edited December 21, 2013 by The_Sherinator

[renegadeimp]

If they try and say the charges of fair, they have to prove it. SInce they are very obviously penalty charges, it would be impossible for them to do so.

[The_Sherinator]

Hi,

 

Need some help ASAP.

 

I have received my usual summary from Shop Direct and it has all the latest payment of £1 on it.

 

Inside is another letter,

 

a 'Notice Of Sums In Arrears' stating that I have failed to make the payments!

 

What the heck is going on?

 

This is for the account that they mysteriously defaulted but not the others.

 

Oh and they've added on £44 in missed payment charges from last month to this month!

 

What do I do now. I'm still waiting on a response from my SAR.

 

I know I've paid the £1 per account and can prove it, so what should I do!?

[babydoll0141917]

I get them as well..altho im on a payment plan ..Every time they send a statememt they put the NOTICE OF ARREARS in with it..Its nothing to worry about ..Just keep paying the £1..As for the SAR if its over 40 days ..I would chase them up

[dx100uk]

nothing whats so urgent about that?

 

you are supposed to pay them the stated monthly figure on the statement

 

you are not

so they have levied their usual unlawful PENALTY fee of £12

 

the notice [NOSIN] letter is what they must send if they levy a PENALTY charge

 

just add them to the reclaiming spreadsheet

you are going to do

 

dx

[The_Sherinator]

They've only put it in with one statement though, not the others. I don't get it. If I've not paid anything on this one then I must've on the others, except I have paid on all!

[The_Sherinator]

Forgive me dx, I'm a natural worrier.

[The_Sherinator]

I've been doing some research myself and I wondered if someone could help clarify? If SD have defaulted me because their penalty charges pushed me into the red, then the default can be removed?

[renegadeimp]

If the default is made up of charges or because of those charges they added a default, then yes. It can be challenged.

[dx100uk]

reclaim THEN address the default issues.

 

only if the Default Notice 14 day figure contained PENALTY charges

or was SOLELY their charges can it be asked to be removed.

 

same goes for markers

[The_Sherinator]

Hi,

 

I have finally received the SAR request from Shop Direct today.

 

I have to say, I expected it to be bigger, it's fit into a standard A4 window envelope.

 

It does not contain most of the things I requested in the SAR.

 

I have a few pages of screenshots,

which don't seem to date back to the entire history of the account

but do show some letter fees (£12 per letter) and late £12 charges.

 

There are also some printouts of what I'm assuming must be excel spreadsheets pasted into Word

and not set to landscape and not aligned. I can't make heads or tails of it.

 

There are no statements,

no CCAs,

no transcripts of telephone conversations,

no default notices and so forth.

 

It also says, at the bottom of the letter,

 

"Full details on how we use your data and who it is passed to is contained

within the data protection policy pages in our catalogue."

 

Basically, look it up yourself.

 

What are the next steps? They haven't followed up properly. Is there a letter to send back?

 

Thanks.

[dx100uk]

is the 40days up

 

dx

[The_Sherinator]

Yes, a while ago.

 

I received a letter early February which thanked me for the SAR request

and they were gathering the information.

 

I've just received the very little bit of information today and

 

I sent a letter on 13th December reminding them.

 

It's been 66 days since then.

[dx100uk]

having had sars from them before the info will be in the logs

 

you wont get calls more recent than 3mts transcripted, if at all

you certainly wont, or rarely get a DN copy.

 

can you scan up

barring the rubbish which is not 'data

 

what you have got?

[fletch70]

If they have issued a DN it should be logged even if they don't have a copy.

[dizzydjc]

Did we ever find out what happened with this case?

 

Kinda entering in to a similar situation with NDR/Shop Direct and this has been a good read.

 

 

They are threatening me with a default on my account.

 

 

That doesn't worry me in the slightest in all honesty, as this is my mess and I have to deal with it.

 

What worries me is how they go about getting the debt back?

 

 

I am just paying them £100 each month at the moment but they are still not listening.