Very/NDR catalogue PENALTY charges reclaim - filing for court **WON***

[surrey_36]

Hello to anyone that can point me in the right direction!

 

I owed Very around £550.00 and the debt got passed to NDR Money as I could not pay

- I made an arrangement with NDR to pay £25 a month.

 

I spoke to them and setup a standing order and was usprised to receive a letter last year saying they had charged a penalty becuase the payment was late,

 

I think - if i can remember that far bck they said that it was becuase i said id pay every 30 days.

 

On the standing order i had set it to pay a certain date, i.e 1st of every month and they said becuase of this it had made the payment late.

 

to cut a long story short,

 

following payments adding up to about £300 in the last year their statements still show i owe £547.00.

 

Should I send them an SAR request to see whats going on?

Thanks for your help

[honeybee13]

Hello there.

 

I'll move this to the debt collection forum, where I think the guys will be able to help you.

 

My best, HB

[BRIGADIER2JCS]

Yes I think that's a good idea particularise what you want,

but do not limit the request to just the important items.

[havinastella]

NDR are well known for their 28 day cycle, so added unenforceable charges to the account.

 

As suggested, get your SAR sent and reclaim all the charges with Compound interest!

 

Jogs

[surrey_36]

Thank you I have sent the SAR !

[Bazooka Boo]

You can ignore any and all charges they have added to this, you do not have to pay these, they are unenforceable, and they will never ever be able to get the non payment of their fees into any court in the country, no judge would ever entertain such a ridiculous case.

[surrey_36]

Thank you BAzookaboo I have SAR them so will post again once ive got all the info. I thought something fishy was going on!

[dx100uk]

moved to the cat forum

 

plenty of threads here to help you. reclaim

 

have a read.

 

dx

[surrey_36]

hI dx - Cheers for your guidance, I SAR'd NDR in July and the letter was received and singed for by them on 06/07/12. The actual 'Shop Direct Group' wrote to me on 05/07/12 to say that they received £10 for SAR and they are currently collating all the info. In which time NDR have continued to collect payments from me.

 

I copied the SAR request letter from the debt collection library and just read through it to check what date i could go back to them and it states 40 days. " I enclose the statutory fee of £10.00. You have 40 days in which to comply.

 

I have just looked at the letter in the debt library to send if a comapny fails to send the info in the set time, and this letter seems to state 12+2 days and so imconfused as to when i can send this letter.

 

If someone could let me know thatwould be great, hope i didnt send the wrong one!?

 

Cheers for any help

[dx100uk]

sar is 40 calendar days

 

cca is 14 working days.

 

dx

[surrey_36]

thanks for the quick reply dx

does that mean its 40 days from the date i sent the sar request or 40 days from the date they wrote and acknowledged it?

I was lloking at the wrong letter then silly me :o/

[surrey_36]

I cant seem to find the next letter to send - can you point me int he right direction! Cheers :o)

[havinastella]

http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters

 

Jogs

[PC Dire Hots]

The payments are every 28days, not calendar month.

[havinastella]

The payments are when the OP says they are, Not Very.

 

They like this 28 day cycle as most people get paid every 30/31 days, so very think they can add £12 charges to the account.

 

Nest way to deal with this, is to request a copy of your CCA as Very were not really good at sending these out. Then when they can't produce one, stop paying.

 

Or every time they charge you £12, request it back or send the LBA for every charge and Issue Court papers for every charge. They hate that. (Well Littlewoods did)

[PC Dire Hots]

The payments are when the OP says they are, Not Very.

 

Ey? The payment are every 28 days, as agreed in the terms and conditions when opening the account.

 

To OP: If you can pay every 28days and stick to the arrangement, do that.

 

Otherwise if you get an offer of payment sent in with a debt management company (ie, CAB or CCCS) it can be every calendar month.

[surrey_36]

ndr1.pdf

 

 

tHANSK dx,

 

I have received the SAR back from 'Shop Direct Group' not NDR.

 

Albeit a bit late.

 

It is very difficult to read through and try and work out

 

- but i think ive found thenattached pages which seems to be a breakdown of interest and charges.

 

Do I basically now add up those admin charges and ask them to pay them back?

 

Thanks for all your help!

[dx100uk]

not quite!

 

use this:

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

 

for EVERY one of those admin PENALTY fee

enter the date / amount in this spready [soc]

 

put THEIR int rate [apr] in the top box first though

 

dx

[surrey_36]

hI dx this is great thank you,

 

ive filled in all the dates and £12.00 charges

ive included their 44.9% APR which i think is right!

 

The spreadhseet tells me the total charges is £456 and compound interest is £1081.91

 

- my goodness is this how much i will be able to claim?!

 

Whilst typing out the dates and charges their seem to be a chunk of data missing between Jan 2010 and May 2010,

is this likely to be a mistake on their system as their seems to be interest charged most months although not all

[dx100uk]

yes statemnts 6+7

 

i'd write and ask where are they.

 

dx

[surrey_36]

Cheers dx - Ive been through the whole list and theres over 12 statements missing, so Ive done a letter, thanks for your help as always

[surrey_36]

yes statemnts 6+7

 

i'd write and ask where are they.

 

dx

Hi there - I have got all the info and completed the spreadsheet, im not quite sure what to do next??

Thanks for your help!

[dx100uk]

get the credit card charges complaint letter from the library green tab top left

 

adapt that

 

and send the two off.

 

dx

[surrey_36]

Thanks DX - where the template letters says

"I calculate that you have taken £XXXXX plus £XXX which you have charged me in interest for the sums which you have taken. Total £XXXXX"

 

I am confused

- do I have to add up all the interest charges on all the statements or is this the figure that is worked out in the spreadsheet you sent me.

(I entered the aPR of 44.9) and the spreadsheet tells me that their total charges (after entering in all ADMIN charges

(I did not enter in any of the interest charges and there certainly was a lot of them) is £600.00

and then that compound interest is £1413.99 and total is £2013.99

- is it basically these three figures that go into the template?

Thank you have donated to this site :)

[dx100uk]

yes

 

thank you.

 

dx