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Hello,

 

I have 3 accounts with Shop Direct and I lost my job in June last year.

 

I tried to keep up with my payments to Shop Direct for as long as I could but other things had to take priority in the end - rent, council tax and utility bills.

 

I informed Shop Direct of my problem but they said that there was nothing I could do expect set up a payment plan.

"Fine", I thought, this will help reduce my outgoings a bit.

 

But no. Shop Direct wanted £200+ pounds per month, which was more than what I was paying without the payment plan.

This, apparently, was to cover interest and arrears, which by then I had missed a month.

There was 'nothing else they could do" and I certainly couldn't afford that.

 

I have sent letters (recorded delivery) to Shop Direct and they have yet to respond.

 

I'm getting nowhere and the arrears have spiralled!

 

It's now with NDR and I explained to them about how much I can afford, which is £30 per month to cover the three accounts (so £10 per month for each account)

and they said that it is too low and that would be rejected and the account will continue to have further action against it

even though I requested that they stop any further action until it can be resolved.

 

They're flat out refusing to do anything and I'm close to have a default against me!

I feel like I can't do anything else!

Can someone help?

 

I want to pay my debts but I can't pay what they're asking for!

 

Thanks

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moved to the cat forum.

 

they are catalogue debts VERY low priority

 

if you've not got ALL the statements

send SD an sar

 

and get reclaiming ALL those £12 PENALTY fees !!

 

as for NDR

 

stay off the phone and follow the letter chain below.

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

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

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

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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you don't offer you TELL them

 

stay off the phone too!

 

they are NOT BAILIFFS

they have NO SUCH EGAL POWERS

 

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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was your letter sort of like letter 1 above

 

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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Here's what my letter said:

 

I have currently fallen on financial difficulty and as a result I am having difficulty making the monthly payments on the three accounts. The most I can afford at the moment is £10 per month for each of the accounts as a gesture of goodwill, equaling £30. As a reciprocal gesture of goodwill, I ask that you freeze interest and refrain from levying penalty charges on my account. I will update you in 6 months time or before should my situation change. Please respond in writing to my address above.

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ok good

 

so now onto letter two

 

and then stick to it.

 

just ignore all comms

 

have you got all the statements?

 

I bet you've heeps of penalty 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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I bet you've got that already!

 

yes sar

 

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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imean send letter two with your payment schedule

 

then stick to paying it

 

by YOUR internet banking portal

 

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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Did you get a default notice that complies with regulation ? Or just a silly letter that says pay now or default.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It says:

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 lead us to 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.

 

You can prevent the above by paying the total amount due immediately or contact us to discuss your reasonable proposal for payment.

 

There is also another letter, which I received at the same time as the one above, that states:

 

We have been instructed by our client:

 

Shop Direct Finance Company Limited

 

to act on their behalf in securing repayment of the sum of £xxx.xx in respect of purchases made.

 

According, we give notice that unless this account is paid - or a satisfactory repayment arrangement is made within 7 days, our client will take the following action:

 

  • Register a Default at the Credit Reference Bureau which will remain on your credit file for 6 years and may affect your ability to gain further credit in the future.

If you wish to make an offer of repayment you should do so within seven days by contacting us on...

Both letters were received today and are both dated 27th May.

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SO basically a threat-o-gram. Again, they are only acting on behalf of shop direct, so tell them to take a nice long walk off a very short pier.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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you'll already find you have markers on your CRa file

 

go look.

 

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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How long ago did you open these accounts. I bet you never signed anything.

If they are pre April 2007 send a cca request.

 

Agree.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Hi,

 

I opened these accounts in 2011. Is it worth sending a CCA request?

 

Also, Shop Direct haven't replied to my letter yet, today I received a letter saying that my accounts are now seriously overdue and I must pay now to avoid further action. The letter is dated a few days after they received mine. What's going on?

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Thats a threat letter. Notice how they dont say what further action means. It's designed purely to scare you into paying.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Did you follow dx's advice in post #3?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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sit on it a while

that letter you got is just computer auto generated.

 

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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