Nationwide Debt Recovery& very account arrears

[littleberry05]

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

[littleberry05]

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?

[dx100uk]

just start the £1PCM

 

and penalty fees..i bet there are loads of £12 charges to reclaim

 

dx

[littleberry05]

Hello dx,

 

yes there are so I am going to start the reclaiming procedure now.

 

Thank you for your help.

[dx100uk]

let us see the soc first

 

dx

[littleberry05]

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

[dx100uk]

when you do!

[littleberry05]

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

[littleberry05]

....

Edited March 29, 2012 by littleberry05

[dx100uk]

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

[littleberry05]

Is that ok now?

CISheet v101_29.03.12.pdf

[dx100uk]

yep

shame its not more

 

so's you were ok before sept last year then?

 

dx

[littleberry05]

Yes I was absolutely fine.

[littleberry05]

Can I use this as my prelim letter?

 

http://www.consumeractiongroup.co.uk/forum/content.php?605-Credit-Store-Card-Letter-Template

[dx100uk]

yep thats the one

 

dx

[dolphin251270]

anybody got an e-mail address for NDR ?

[dx100uk]

writing only

 

dx

[dolphin251270]

can i refuse to deal with these people as my ca is with very not them ?

[dx100uk]

yes ofcourse you can

 

no DCA have any legal powers anyhow.

 

dx

[dolphin251270]

anybody point me in the right direction for a covering letter offering payment, i have already done my budget planner ?

[littleberry05]

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.

[dx100uk]

anybody point me in the right direction for a covering letter offering payment, i have already done my budget planner ?

 

they have NO LEGAL right to see that

 

dx

[dx100uk]

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.

 

add the new charges to the spreadsheet

 

resend that along with the covering letter and the last letter about charges

 

send they them to VERY not NDR

 

dx

[pjc71]

hi

ive got the same problem with this company

been on a reduced payment plan of £32 a month

 

the last year while i was on jsa i have now become my dads full time carer

and am only on carers allowence

 

ive just recieved a letter from ndr stating that i have to pay £2000 in 7 days

 

my sister has told me to go to the cab and do a debt self help plan

and send it to them with a offer of payment

 

remenber dca are like dogs with no teeth they cant do anything ...

[Old Cogger]

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?

 

Thats the shop direct method, they ignore all unless it is to their advantage, also make sure you do not speak on the phone to them unless you make the phone call as they charge £12 for debt call to you as well.