Shop Direct Debt

[The_Sherinator]

Of course, I intend to, I was never trying to insinuate otherwise. That was never my question.

[dx100uk]

no idea.

 

8 weeks breathing space to do what or not?

 

dx

[The_Sherinator]

8 weeks to panic less than I already have been doing.

[dx100uk]

panic about what?

 

its a poxy catalogue debt

 

very very bottom of the pile

 

dx

[The_Sherinator]

Hello again,

 

I haven't received anything back from the SAR request yet, however I have received a general statement for this month. It says that my interest for next months statement is £99! I've got back and looked at the few statements that I've had from NDR and they've all got £99 on them! God only knows how much interest they're piling on to my accounts!

 

Anyway, since I've been making small payments, very small payments, on my accounts - I have received absolutely no letters demanding payment for a while. Have they given up and just accepted the fact, do you think?

[dx100uk]

good

just await that sar

 

should be very interesting I bet

 

dx

[The_Sherinator]

Just out of curiosty, if I successful claimed back the interest and late payment charges, does the money get credited to my Shop Direct account?

[dx100uk]

if its still active and no sold to an external dca then yes

 

however, if they do refund, they are acking that the charges are unlawful

so IF the markers relate solely to the fees

then the markers must be removed too

 

if there was a dn ever issued

that also makes any Default notice invalid

 

dx

[fletch70]

Even if assigned to a debt purchaser I believe there are circumstances where any refund can be offset against the balance

[The_Sherinator]

Hello,

 

I've received 3 letters (one for each account) dated 23rd July stating that they've accepted my offer of £10 per month for each account.

 

This is way after I sent the letter stating that I will only pay £1 per month as they're refusing to freeze interest and my original £10 offer will be worthless,

especially as they're adding £300 interest on the accounts per month!

 

Nowhere on the letters does it state that interest will be frozen, so I'm assuming that they'll continue to pile it on.

 

I have received no response to my SAR request yet.

 

I'm wondering what to do now.

 

They're expecting the first payment by the 9th August.

[dx100uk]

await the sar

 

dx

[The_Sherinator]

await the sar

 

dx

 

But what if the 9th August passes and I haven't paid because I'm waiting for the SAR?

[dx100uk]

you've sent letters 1&2

nailed your colours to the flag pole

they are not freezing int etc

so until they do

 

you pay £1PCM

 

dx

[The_Sherinator]

I was looking at my credit report, which was updated today, and the Shop Direct accounts are still showing as up to date. I received 1 default notice from Littlewoods, which I believe is the correct style of default notice, but nothing has been added to my file.

 

As I fully believe that the Shop Direct arrears are based on their interest and late charges alone (£300 per month, still waiting for the SAR), could it be that they're reluctant to inform the credit reference agencies?

[babydoll0141917]

mine still shows up to date on Noodle..when in fact it is not up to date..These cat companys are a pain to deal with..my account was opened in 1998..they are still trying to tell me a recon with no names address or sigs is the real deal..

[The_Sherinator]

I don't think it's anything to do with Noddle as everything else is up to date on their as of today's date. It's Shop Direct not informing the reference agencies, I believe.

[babydoll0141917]

Ohh OK..So you think they not updating because of all the charges that they are adding ?

[The_Sherinator]

I think that may be the case and if it is then my debt with them will be virtually non-existant. However, I could be wrong.

[babydoll0141917]

Yep same as mine...Almost £200 as been added on in the last few months, if I calculated all the unlawful charges on the account..shame I can only go back 6 years..then I would have nothing to pay..Im guessing they may owe me monies

[dx100uk]

if the debt is all charges from whatever era

 

then it'll be in your interest for it to go to court

 

as then you'll be able to show charges past 6yrs.

 

if this were me

 

i'd not be paying it

 

taken me to court please

 

dx

[The_Sherinator]

Hello again,

 

I've had a letter through from Shop Direct in response to my query about freezing interest and charges. It says:

 

"I have looked into the matter you have highlighted and pleased to inform you that when an account is transferred to Nationwide Debt Recovery all interest and charges are ceased. I apologise if this was not clear in the letter."

 

Now, I can overlook the lack of punctuation. However, I cannot overlook the fact that this is barefaced fibbery on their part. The statements I have received since the account has been passed to NDR clearly states that £100 in interest is added to each account every month. Still no SAR.

 

Where to go from here? Shall I respond to the letter?

[fletch70]

I think maybe a quick response enclosing a copy of a statement that shows they are telling porkies

Maybe something along the lines of

 

Dear sir

Thank you for the letter of xxxxxx

I enclose a copy of the latest statement which shows that interest of £100 is still being added, could you please clarify the situation for me

 

I am sure others may suggest something a lot less polite and that is up to you

[dx100uk]

:thumb:

 

 

dx

[The_Sherinator]

Still no SAR.

[The_Sherinator]

I have received a letter from NDR stating that they accept my original offer, which was £10 for each account per month.

 

They have stated that they have put this arrangement on for 6 months and,

if I haven't gone to one of 3 debt management agencies by the end of the 6 months,

they will continue normal collection procedures,

which 'can have a further negative impact on your credit file'.

 

So, what they're saying is if I can't pay more by the end of the 6 months they're coming for me?

 

They have set this arrangement with the first payment to start on the 6th September!

I only received the letter last night! I'm definitely going to miss this payment as I haven't budgeted for it.

 

Also, why are they so keen to accept my offer all of a sudden after months of turning it down?

 

I'm sat here literally sweating over it.

Edited September 4, 2013 by The_Sherinator