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  1. I CCA'd my 2 accounts with NDR, both was valid, now ive sent a letter asking them to freeze interest and charges and accept £10 a month (for a 12 month period), they replied with 'it doesnt reach their minimum payment' and they wont freeze charges and interest. is there a follow up letter for once they refuse? I saw one before but cant find it now not sure if it was on this site tho. They also said if I dont get upto date they will forward onto a 3rd party - which i wouldnt mind, they wouldnt be able to add charges, and would probably agree to a lower payment. But I also recieved a letter saying it would go to court, wish they'd make up their mind!
  2. was over 6 years 50 arrears charges 15 pounds no dd and taken to court by them was up two thousands pounds in arrears also i left them last year as the rate was 10.4 % i am sure these were added to the mortgage help thanks paul.
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