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  • #1

    JD Williams/ Reliable Collections

    Hello All,
    Ive been reading through some posts but I'm still a bit confused. Here's my story. We have been on a DMP with Payplan for some 2years now I was under the impression that all was well, I havn't missed a payment, have been lucky with pay rises to increase my payment twice etc etc only 7 years to go!!! My wife says in passing that JD Williams are still writing and sending statements and are still charging admin and credit charges. When I checked this our original debt of £480 is now up to £820. I contacted Payplan and the reply was to write to JDW personally to ask them to freeze account etc or go down the route of an IVA. I thought this was a bit unhelpful but I cant complain really as Payplan have stopped the nightmares and stress we were going through 2years ago.
    What I'd like to know is should I start in communicating with them requesting a copy of the orginal agreement that you havestated in posts via the template letters? Any advice would be much appreciated.
    Regards Sherb.
    Tags: apr, arrangement, card, cca, cca request, charges, collection, collections, credit, credit card, creditors, date, dca, debt, default, demands, disabled, dmp, financial, freeze, help, jd williams, jdw, legislation, letter, list, loan, refuse, reliable collections, repayment, size, template, template letter, unenforceability, world
  • #2
    Re: JD Williams/ Reliable Collections

    Welcome to AAD...could you tell us a little bit more so we can help....>......Unenforceability Diaries - Read me First!
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      Re: JD Williams/ Reliable Collections

      What would you like to know

      Comment

      • #4
        Re: JD Williams/ Reliable Collections

        When the account was first taken out for one thing.

        Others are more familiar with JDW agreements, so they can probably say more.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5
          Re: JD Williams/ Reliable Collections
          • Type of account (credit card/loan)

          • Date commenced (ideally before Apr 2007)

          • Approx balance

          • Date last paid (approximate date you last made a FULL payment)

          • Are you on arrangement or not paying

          • Status (default/in arrears/up-to-date)

          • Account owner (who is writing to you, a DCA or the lender)
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #6
            Re: JD Williams/ Reliable Collections

            I'll do my best,
            Catalogue account, possibly opened on line not sure of the date, current balance with charges £820, but since paying through Payplan estimated balance £480. Have been paying regulary through payplan now £4.97 per month. Last full payment made over 2 years ago, I'm guessing the account is in default or arrears. We seem to get letter from Fashionworld. I hope this is a start for you.
            Regards
            Sherb

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            • #7
              Re: JD Williams/ Reliable Collections

              Thanks for the reply I 'll keep reading for a while.

              Comment

              • #8
                Re: JD Williams/ Reliable Collections

                Ok good luck, if you decide to do UE give us a shout and we'll guide you along
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                • #9
                  Re: JD Williams/ Reliable Collections

                  I think I will write to them asking them to freeze the charges etc saying that all other creditors have etc if they are uncooperative I'll ask for a copy of the original agreement,and see where that leads. I guess I'll be back sooner rather than later.

                  Regards
                  Sherb

                  Comment

                  • #10
                    Re: JD Williams/ Reliable Collections

                    I would point out that just because an account is UE, it doesn't mean that you have to stop paying it. Through your DMP or otherwise.

                    However, if it was UE then that might encourage them to stop interest/charges, or offload the account onto a collector who would do so.
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • #11
                      Re: JD Williams/ Reliable Collections

                      Originally posted by sherb1e View Post
                      I think I will write to them asking them to freeze the charges etc saying that all other creditors have etc if they are uncooperative I'll ask for a copy of the original agreement,and see where that leads. I guess I'll be back sooner rather than later.

                      Regards
                      Sherb
                      Sounds like a reasonable plan.
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #12
                        Re: JD Williams/ Reliable Collections

                        Originally posted by sherb1e View Post
                        I think I will write to them asking them to freeze the charges etc saying that all other creditors have etc if they are uncooperative I'll ask for a copy of the original agreement,and see where that leads. I guess I'll be back sooner rather than later.

                        Regards
                        Sherb
                        JDW Group will not do it - they rarely do unless advised to under legislation, i.e. disabled/financial hardship etc.....

                        Sorry just trying to save some time, they will refuse - as per other threads, they simply don't listen and ignore almost anything you say - all the while making more outrageous demands for repayment....

                        Good luck - but you are wasting your time unless you pull off the fluke of the century.
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                        Comment

                        • #13
                          Re: JD Williams/ Reliable Collections

                          Originally posted by sherb1e View Post
                          I think I will write to them asking them to freeze the charges etc saying that all other creditors have etc if they are uncooperative I'll ask for a copy of the original agreement,and see where that leads. I guess I'll be back sooner rather than later.
                          I suggest you combine the two, use the CCA request template letter from here, and edit to add your request to freeze charges.

                          Niddy is right though, at least this way you'll have given them a chance......

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