- Tue Jul 19, 2011 7:35 pm
just wondering if anyone can offer any advice with regards to where i am now with my DMP.
As was the case with my first post evrything is going fine, all proposed payments are being made with the exception of Shop Direct (Very).
They have now passed the debt onto their 'in house' debt collectors - NDR Money who basically repeat the line that #53.23 is below the minimum amount they can accept.
At this point i had made 3 months payments of 53.23 to Shop Direct only to see approx 65.00 go back onto the account (45 interest and 2 x 12.00 charges) each month, thus my debt was increasing despite my monthly payments.
I therefore told NDR that until we could to some arrangement (ie my offer being accepted) that i was not prepared to pay 53.23 a month only to see the debt increase and therefore i would only be paying a token 5.00 per month.
They threatened me with an external debt collector to which i replied fine as they would probably accept 53.23 per month.
They then came away from this route and just repeated they couldnt accept 53.23 per month and that the account would be 'left to run it's course'. I plan to just continue paying 5.00 per month.
Am i dealing with this in the correct way or does anyone have any other suggestions?
On a side note i have also just requested my CCA for this account (posted last Friday)- it was opened around 2001 and i am pretty sure that there will not be a signed CCA - so if anyone could advise where that would leave me it would be greatly appreciated (i have been given the impression by a friend i could certainly claim back the 12.00 charges?).