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Hi all newbie here, seeking advice.
Helping a friend deal with NDR Money who does not have access to a computer or the internet. I have slight learning difficulties when it comes to too much text and would appreciate some pointers in the right direction
Story so far. Friend been trying to comply with NDR and making regular payments but still being met with the usual £12 charges each month. They keep asking for more money that she cannot afford to pay and has asked them to take her to court for the money but they wont. (I now know why lol)
We have sent the usual CCA request letter and received back a bog standard non signed Credit Agreement with a letter that reads :
Dear XXX XXXX
Re: Credit Agreement Request
Please find enclosed a copy of your current credit agreement which includes all applicable contractual variations and amendments that have taken place since your account was opened.
According to our records, your account was opened 3rd April 2003. The current outstanding balance on your account is XXXXXX. Our records show that in the past 12 months, XXXXX has been paid and an amount of XXXXX has become payable but remains unpaid.
You agreed to make payments every 28 days in accordance with the terms of the relevant catalogue. We also issue statements every 28 days requesting the relevant amount from you.
I'd therefore like to take this opportunity to remind you that such payments must be made in order to avoid a default charge of £12.00 being applied to your account and a notice of default being sent to certain credit reference agencies.
We regularly share information regarding the performance of your account with the credit reference agencies, which is retained no your credit file for 6 years.
In order to avoid such detriment to your credit file, please contact us on XXXX XXX XXXX to make a payment for any amounts overdue.
If you are experiencing financial difficulties we can also discuss what payment plan options are avalable to you based on what you can reasonably afford. We will consider your case sympathetically and positively and we will take into consideration all debts that you may owe to other lenders or other commitments you tell us about. We can also provide you with the details of certain not-for-profit organisations that you can contact for free, confidential and impartial debt advice.
Yours sincerely
The Agreement sent is a bog standard one. There is no names printed or written and definitely no signature.
My friend tells me she had no idea that the account was being passed over to NDR , it just suddenly happened.
She regularly pays through the post office every 28 days, but still incurs the £12 charge. (I think what might be happening is that it takes a few days for that money to reach NDR and therefore going over the 28 days).
Thanks again for all your help and a pointer to the next stage and a template letter would be very welcomed.
Chooch
Helping a friend deal with NDR Money who does not have access to a computer or the internet. I have slight learning difficulties when it comes to too much text and would appreciate some pointers in the right direction
Story so far. Friend been trying to comply with NDR and making regular payments but still being met with the usual £12 charges each month. They keep asking for more money that she cannot afford to pay and has asked them to take her to court for the money but they wont. (I now know why lol)
We have sent the usual CCA request letter and received back a bog standard non signed Credit Agreement with a letter that reads :
Dear XXX XXXX
Re: Credit Agreement Request
Please find enclosed a copy of your current credit agreement which includes all applicable contractual variations and amendments that have taken place since your account was opened.
According to our records, your account was opened 3rd April 2003. The current outstanding balance on your account is XXXXXX. Our records show that in the past 12 months, XXXXX has been paid and an amount of XXXXX has become payable but remains unpaid.
You agreed to make payments every 28 days in accordance with the terms of the relevant catalogue. We also issue statements every 28 days requesting the relevant amount from you.
I'd therefore like to take this opportunity to remind you that such payments must be made in order to avoid a default charge of £12.00 being applied to your account and a notice of default being sent to certain credit reference agencies.
We regularly share information regarding the performance of your account with the credit reference agencies, which is retained no your credit file for 6 years.
In order to avoid such detriment to your credit file, please contact us on XXXX XXX XXXX to make a payment for any amounts overdue.
If you are experiencing financial difficulties we can also discuss what payment plan options are avalable to you based on what you can reasonably afford. We will consider your case sympathetically and positively and we will take into consideration all debts that you may owe to other lenders or other commitments you tell us about. We can also provide you with the details of certain not-for-profit organisations that you can contact for free, confidential and impartial debt advice.
Yours sincerely
The Agreement sent is a bog standard one. There is no names printed or written and definitely no signature.
My friend tells me she had no idea that the account was being passed over to NDR , it just suddenly happened.
She regularly pays through the post office every 28 days, but still incurs the £12 charge. (I think what might be happening is that it takes a few days for that money to reach NDR and therefore going over the 28 days).
Thanks again for all your help and a pointer to the next stage and a template letter would be very welcomed.
Chooch
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