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Help with catalogue debts now with NDR


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I have catalogue debts which have been passed to NDR (I understand these are part of Shop Direct).

 

Like many others, myself and my husband got into a situation where we could not afford pay the minimum amount.

 

I have written numerous letters informing them of our situation and even giving them a StepChange reference (which they requested), all ignored,

 

until this morning. I

 

have now received letters for each account from NDR to say they will not accept a our offer of repayment.

 

What do I do now and where do I go from here.

 

I understand I owe this money and I don't think I could query my agreement as accounts were opened in about 2009/2010.

 

Has anyone ever managed to get NDR to agree to a reduced payment plan??

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Hi

NDR can do nothing once you start payments, even at the minimum you can afford. This is just a tactic to place themselves ahead of others although they would never admit it.

 

As they are in breach of the OFTs Debt Collection Guidance in treating a debtor fairly, I would raise a Formal Complaint.

 

Have they said why they won't accept your offer?

 

What input have stepchange offered?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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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>

.

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.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

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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All the letters say is 'Unfotunately, I am unable to accept your proposal for repayment of the outstanding debt' no reason and that I should phone them to speak to one of their trained advisors who can assist me in finding a solution beneficial for both parties!

I contacted stepchange online where an income and expenditure was filled out and it advised me to reduce my non priority debts and gave me a reference number, not actually spoken to anyone.

 

If I pay NDR what I can afford each month, what will happen? will they carry on charging me £12 per month, is there anyway they will agree to £5 per month?

 

Thanks for your reply

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Dx wouldnt post it if it hasnt :)

.

me in finding a solution beneficial for both parties!

 

What they mean is that they want you to phone so they can threaten and intimidate you into paying an unrealistic amount that is beneficial to them and detrimental to you. ALL DCA's do this.

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 tell them by leter

 

you stop phoning in/out

 

as for the £12 PENALTY fees

 

time to reclaim them

 

 

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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Thank you all, very much appreciated. I have drafted the letter and will get it sent today. I already have their numbers blocked so they cannot contact me by phone. Am I entitled to reclaim fees? and how would I do this?

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get an sar off to get all the statements

unless you have them all

 

shop direct address

 

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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