Interest on Debt with NDR/ Very Debt

[bumabear]

Hello everyone -

 

I hope you can help, I’ve been reading through the forum but couldn’t find answer,

 

I have a catalogue account with very opened 2011

- I went into arrears at the end of 2012

- I’m not to sure what my balance was including interest but I know it was over £2000 -

 

I did the usual thing burying head in the sand act

- then I received a few letters from NDR and I set up a payment plan Feb 2013 to pay them £105 per month.

 

This was on the premise that they (NDR) will be freezing interest on my account and I would be making regular payments -

 

I have been making regular payments for just over a year now

- and just received my statement for the month saying I still owe them well over 1300

and need to make a minimum payment of £647

- on closer inspection I noticed that I have been charged interest every month

- after interest was suppose to be frozen -

 

It’s completely my fault for stupidly not looking at my statements and happily paying this every month!

 

But I’ve gone into my very account and have a look at NDR statements from July 2013

and it looks like I have been charged between £40 - £60 every time I have paid them.

 

Is this right since they agreed to freeze my interest ( I don’t have anything in writing) when I initially set up a payment plan. Is there anyway I can claim this back?

 

Also when settling the debt would I am able t negotiating an amount to completely satisfy thee debt?

 

Apologies f its a stupid question - I just feel so silly for trusting these people and not checking my account was fine when this was put in place

 

Thank you in advance for you help

[dx100uk]

NDR are shop direct

 

I don't think you'll get any joy

 

but you could send SD an SAR

 

specifically ask for telephone conversations to be included too

but they'll say they don't have them

 

I bet you've loads of penalty [£12] fees for letter/phone etc?

 

you can reclaim those just like PPI

 

dx

[bumabear]

Thank you dx100uk

 

I have sent off for a SAR to shop direct just waiting now , also should I send off a SAR to NDR , they seem to be based in Bolton ?

 

Regarding the added interest - surely they cant do this - if NDR is support to be a debt recovery part of shop direct , should I not have agreed the interest being charged or something - it just seems ridiculous and quite unfair that by paying them 100 per month I'm actually only paying half of the debt off ? in double the time when interest keeps getting added

 

Thank you again in advanced

[BRIGADIER2JCS]

Thank you dx100uk

 

I have sent off for a SAR to shop direct just waiting now , also should I send off a SAR to NDR , they seem to be based in Bolton ?

 

Regarding the added interest - surely they cant do this - if NDR is support to be a debt recovery part of shop direct , should I not have agreed the interest being charged or something - it just seems ridiculous and quite unfair that by paying them 100 per month I'm actually only paying half of the debt off ? in double the time when interest keeps getting added

 

Thank you again in advanced

 

 

A SAR goes to creditor NDR is as dx says the debt collection part of SD.