I'll just file it away with all the other documents. I'm keeping them for future reference, if need be.

So what do I do? Nothing and just carry on paying my £1?

The date of the letter is 23rd July, and the date they have given me is "before 5th August". Is it just me or is that only 12 days?

So, hubby received a Default notice today. It says it is served under section 87(1) of the Consumer Act 1974. It says if we " can't pay (or won't!), we can apply to the court which may make an order allowing you or any surety more time". Is this just another scare tactics letter, and should I ignore it and carry on paying £1?

Hubby got a letter today from Shop Direct. It apologises for the letters and calls to him. It also says that his offer of £1 is not satisfactory, but they are prepared to stop all interest and charges, and accept £1 for the next 2 months only. They've advised that they need an updated Self Help from the Step Change debt charity. Can they force me to contact them? I am planning on carrying on just paying £1 a month. Is that ok?

Ok, so I got a Default Notice in the post today. It says I've got to pay before 27th May. I can't, so won't be, but what's the next step for me? Do I ignore it and just keep paying them £1?

So what the hell can I do? I'm never going to answer their calls.

Seriously, how many letters do I need to send to these people! I have sent 3 so far, telling them that I will only communicate in writing, and they STILL insist on calling me. 5 times today, 2 between 9am and 2pm, 2 between 2pm and 6pm and the last one at 8.59pm! Are they stupid, or ignorant or both?

I took out a loan about 3 years ago, when all was good in our financial world. Unfortunately, since then my hubby lost his job. The original payments were £202.35 a month. BH reduced them to £40 a month, which then increased to £45 and are now at £50 pcm. They are still charging interest on the loan, and the arrears are now about £6000 L. I have been on payment arrangements for 3 months at a time. They just rolled over the £50 for the next 3 months. However, this morning, I received a letter asking me to call them. I did, and they said that the arrangement has come to an end and that they recommend I contact someone like Payplan to assist and to see about getting the interest stopped etc. I have had a look on here, and am very dubious about getting involved with Payplan after reading some of the posts. Can I not just deal with this on my own, send them an income/outgoing sheet etc and ask them to stop the interest and charges? Do they NEED a response from a debt collection company or are they just being awkward? Any advice appreciated J

I am also going to slip this "I note your attempts to intimidate myself and exploit a debtors lack of knowledge, not only in using words such as 'Pre-escalation' but also attempting to inflate the account by adding unenforceable fees and claiming you are 'charging me' for your failure to contact myself." into the above letter.

The actual wording of the letter is "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 to us 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." What do I do when I get it? Ignore it and carry on paying £1?

Thank you, I shall add the last bit about guidelines, then send it tomorrow. Is it also worth asking for help with regards to sending a letter to the OFT re the Statutory Default Notice that both me AND my husband have received. I believe that by threatening to send them, NDR are in breachof some guidelines?

Ok, so NDR are clearly NOT listening / paying attention to ANY of my letters. They keep calling on both landlines AND mobile phones. They have sent me ANOTHER pre-escalation notice and added ANOTHER £12 charge, and they have also sent my husband a letter re a Statutory Default Notice. I was thinking of sending a letter, and was wondering if I post it on here, someone could let me know if its ok. Here goes: Dear bob Ref:000000 I am sorry that you seem to have misunderstood the instructions in my earlier letters dated 16/4/2013 and 22/4/2013. I requested that all communication be in writing, yet you have continued to call several times a day on landlines and mobile phones. For the avoidance of doubt, I will only correspond in writing. All calls to my mobile phone and landline have been noted and should they continue, then the relevant complaints will be made to the relevant authorities, including, but not limited to the OFT, OfCom and my local constabulary. I requested that as a gesture of goodwill you refrain from levying Penalty charges and freeze the interest on my account. You have failed to help me by continuing to levy charges and continuing to add interest, and therefore I have no option but to reduce the payment to £1 PCM for the life of the balance, as your actions are doing nothing to assist me. This is contrary to the rules you should operate under. I trust I have made myself clear, and will appreciate the same level of responsibility to be shown by yourselves in this matter. I look forward to your prompt written response. ............................................................... Ok, I would really appreciate any feedback, good or bad. Thank you very much.

Husband has now received a statement along with a letter about arrears. They have also added a further £46 in interest. I have already sent them a letter for both accounts (husbands and mine) asking them to stop the interest, which they have clearly blatantly ignored. Is there another letter, a stronger worded one that I could send them? They also called me on my mobile, and left a voicemail asking me to call them, when I have already requested that all communication is to be done in writing. I know they want their money, but hassling me is just not going to get them anywhere. Rant over. Thank you in advance.

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