Hello again, So they haven't refunded me any penalty charges, they haven't frozen interest, they add £12 penalty charge and interest every 28 days to my account. As I pay just £1 every 28 days my balance still increase. Any advice what should I do now? Thank you.

Can I use this as my prelim letter? http://www.consumeractiongroup.co.uk/forum/content.php?605-Credit-Store-Card-Letter-Template

Yes I was absolutely fine.

Is that ok now? CISheet v101_29.03.12.pdf

....

You scared me dx:razz: Today, I promise.

Do you mean CIsheet? I haven't fill it out yet.

Hello dx, yes there are so I am going to start the reclaiming procedure now. Thank you for your help.

Update So I've sent the above letter to Very/NDR and I've received the following respond: "Thank you for your recent letter regarding a repayment arrangement offer. Unfortunately, I am unable to accept your proposal for repayment of the outstanding debt. There are however numerous ways to clear your balance. Our advisors are trained to support and assist in finding a solution which would be beneficial for both parties. Please contact us on 0800 bla bla bla..." Then they (NDR) have send me the statement which says that my temporary arrangement is in place and they want me to pay £55.98 each 28 days:!:. And they also haven't frozen my interest. It seems they don't listen to me at all, I haven't agreed to any arrangements, I never have extra money left over so I can't afford to pay them £50. Sadly Very debt is not my only debt. So what should be my next step? Shall I stop communicate with them and start to pay £1PCM?

Fantastic! Your help is very appreciated, thank you. Yes, it is definitely respond to my last letter. And who do you think should I send the above letter-Very or NDR? All the best, littleberry

dx Very have refused my offer of repayment twice (I've offered £40) and passed my account to NDR, I've sent another letter to Very and told them, according to your advice in post 16, that I am going to pay £10. NDR responded me today as stated above.

Ok shall I ignore them or should I reply to their letter? I am worried about the interest, I pay £10 but they add £30 interest, this will increase my debt instantly:x btw I pay by internet banking.

Update I received the letter from NDR today which says: "We acknowledge receipt of your payment but the amount you have paid is not acceptable to us. Please see below for the payments we are expecting from you. If you are unable to make this this payment you must contact us immediately." They are expecting from me regular payments of £56.07, I obviously can't afford to pay that. They also haven't frozen account interest and added further fees to my account (debt collection letter fee £12 and insufficient minimum payment fee £12). What should be my next step?

Not yet, I'm gonna do that this week, I have to find all of my statements.

Dx I'm not disputing just asking, sorry about this question, do you think I'm not gonna pay my debt? I'm not that kind of person, I always pay my debts (Very it's not my only debt). btw I've offered first as I didn't know I can just tell them but now I'm telling them and keep paying Thanks for your help

Max Use this address for both catalogues just put different account names and numbers into your letters. I've sent them 3 letters with my offer of repayment, they've refused the first 2 offers of £40 per month and passed my account to Nationwide Debt Recovery. By following the information on this site I ignore these people. Then I've sent another letter to Very to inform them I am going to pay £10 per month and I am still waiting for their respond. Dx Can I send CCA request for account opened after 2007?

Hi Silverfox I know that by my own experience, I sent them some letters in the last few weeks and they write to me from the above address too so I think this is right

Hi Max All my letters go to: Shop Direct Finance Company Ltd Sandringham House Sandringham Avenue Chelmsford CM92 1LE

Hi Max71 Thanks and good luck to you:-)

Thank you for your help, I will consider this option too. Another letter to Very sent today and waiting for their reply.

Thank you CitizenB, yes I have my own thread, sorry about that but I have the same situation and I'm also going to pay them just £10. My letter to them is ready to go .

But what about the interest? I'm sure they won't freeze them, when I will pay £10 per month the balance will increase anyway :/.

Thank you, I'm going to send the letter tomorrow.

Yes it is.

And another thing, what do you think about CCA request, should I send it to them?