Shop Direct Debt

[The_Sherinator]

How long should I sit on it for?

 

Also, is it worth sending the CCA request if the accounts were opened in early to mid 2011?

[renegadeimp]

Sit on it till they send something of substance and not an auto generated letter that has had no human input.

[The_Sherinator]

I have received a response from Shop Direct in the form of a letter from NDR. It states:

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 today on 0844 811 5507 today to set up your repayment plan.

 

Please note that failure to bring your account up to date could affect your ability to obtain future credit.

 

What should I do now? Should I send the second letter that DX put on here?

[dx100uk]

yes correct

 

then start paying what you say via YOUR internet banking webportal

 

dx

[Old Cogger]

Nationwide debt recovery are Shop Direct in house monkeys.

[The_Sherinator]

Do I send the letter to NDR or Shop Direct, even though they're the same?

[Old Cogger]

Ndr

[The_Sherinator]

Well, I've addressed it to the Head Of Consumer Excellence at Sandringham House in Chelmsford, as that is where I sent my previous letter and it found its way to NDR easily. NDR only has a PO Box address, so I don't know if it's going to get to its intended receipient that way.

[Old Cogger]

Their addreRegistered Address

 

Orlando Buildings Thynne Street, Bolton, Bl3 6axss is the same as shop direct where I sent mine, use full address.

[The_Sherinator]

Ok, I'll send it to that address. Thanks very much!

 

Nobody has answered my question about a CCA request still. As I opened the accounts mid-2011, is there any point in sending a CCA request?

[dx100uk]

no use the customer ex address

 

that's the best one

 

dx

[The_Sherinator]

Ok, well I have two envelopes with two letters. One to NDR and one to the Head Of Consumer Excellence. I might as well send them both now I've used two envelopes!

[dx100uk]

not really no.

 

dx

[fletch70]

Well if you send a cca request pretty much your only hope is that they don't reply. Then they will be in breach act until they put it right.

[The_Sherinator]

I have received another letter from NDR, it appears to be a statement of my account.

 

It says that the estimated interest for my next statement is £604.77. What the heck!?

 

Are they adding that amount on or something?

 

Also, it says that I must make the minium payment of £952.17 by the 12th July or I may have to pay a default charge.

 

It says:

 

You may have to pay default sums and interest in relation to the missed or partly made payments indicated above in addition to any default sums and interest already included in this notice.

 

So, what does that mean, interest on top of the interest?

 

I haven't received a response to my second letter yet and I'm extremely tempted to just pay them £1 on each of the accounts now after this letter.

 

What are your thoughts on it?

[dx100uk]

for the moment i'd await the cca return

 

dx

[The_Sherinator]

I was told that there was no point in sending a CCA request? I seem to be getting mixed advice on here.

 

I have just received two default notices from Shop Direct. It says that I must pay all the arrears before 8th July or enforcement action will be taken. If I am having difficultly making payments then I can apply to the court which may allow me more time to pay. Seriously, what's going on!? I'm actually scared now.

[Old Cogger]

Send CCA1974 request, who told you not to?

[The_Sherinator]

To quote DX at 21st June at 15:24, after I asked if there was any point in sending a CCA request, as I opened the accounts in 2011: "Not really, no."

 

How do I send the request and is there actually any point now?

[dx100uk]

for an account of this age p'haps not

 

but for the sake of £1 why not...

 

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

leave the payee BLANK

post the two off by 1st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

[The_Sherinator]

If I may, if there is no point then why am I sending this request?

 

Also, do I send the CCA request to NDR or Shop Direct and is it £1 per request?

Edited June 27, 2013 by The_Sherinator

[The_Sherinator]

I've sent it now. Does the 12+2 days start from now?

[babydoll0141917]

as its not registered post..I would start the count down now then add a couole of days for postage

[The_Sherinator]

I sent it recorded 1st class.

[babydoll0141917]

When they have signed for it ..you can keep track on line..Then the 12 days begins