Account sold whilst on DMP?

Michaelalou_2

Hi

I've been on a DMP with CCCS since summer, and two of my debts are to the very and little woods catalogs. I usually go online and check my statements with them but tonight when I tried to log in, it said I do not have access. So I just called them and the guy told me my account had been sold and to contact this department 08445560076 in the morning. When I asked the name he just said they're linked to very, but google search shows its their debt collection department.

Any ideas what could be going on here?

kittiej

Is it NDR? They are their debt collecting arm but they should freeze any interest for you so do not fret.

Michaelalou_2

I have no idea who it is, they wouldn't tell me anything aside from they are linked to very. I tried ringing the number in hopes it would say their name but it didn't.

The reason I was wanting statements in the first place is because my debt started about 1700 and is now 2600 with them, and I was lead to believe interested was frozen. I feel so fed up

Plus side, I just got offered a psych nursing job post, so hopefully these debts will go down instead of up

mum2one

dont worry about it, although its easier than done, the same happened to me with a couple of my debts, theyve gone to the "own brand" collections department, ur get a letter from the company and they should also send one to stepchange, - with mine the letter was bog standard, - weve taken over the account, - payments will stay the same, - interest frozen, - review in 12 months.

I rang stepchange and they had the same letter. xx

Michaelalou_2

mum2one wrote: »

dont worry about it, although its easier than done, the same happened to me with a couple of my debts, theyve gone to the "own brand" collections department, ur get a letter from the company and they should also send one to stepchange, - with mine the letter was bog standard, - weve taken over the account, - payments will stay the same, - interest frozen, - review in 12 months.

I rang stepchange and they had the same letter. xx

Ahh thankyou, hopefully it's the same situation and hopefully they can explain why it's increased so much!

mum2one

Michaelalou wrote: »

I have no idea who it is, they wouldn't tell me anything aside from they are linked to very. I tried ringing the number in hopes it would say their name but it didn't.

The reason I was wanting statements in the first place is because my debt started about 1700 and is now 2600 with them, and I was lead to believe interested was frozen. I feel so fed up

Plus side, I just got offered a psych nursing job post, so hopefully these debts will go down instead of up

My post crossed with your post, - they could have added extra charges and interest to the debt, even thou were on a dmp not all companies stop interest, late charges, underpayment, these can soon add up, my guessing is as its not gone to their debt department that the interest will be frozen.

Massive congratulations on the psych nursing post, and happy New Year xx

Michaelalou_2

mum2one wrote: »

My post crossed with your post, - they could have added extra charges and interest to the debt, even thou were on a dmp not all companies stop interest, late charges, underpayment, these can soon add up, my guessing is as its not gone to their debt department that the interest will be frozen.

Massive congratulations on the psych nursing post, and happy New Year xx

Fingers crossed it will be frozen then, otherwise I will never be able to pay it off!

Thank you so much and same to you too xx

heatherks

Hi i had the same problems and posted a message on here the other day asking advice as i couldnt access my account to pay i was given three different phone numbers including the one you posted which gave me the number below and told me they were now taking payments

...today i got an email confirming it

my account was FOR Very/NDR . it was . previously Littlewoods direct

rhis is what it said

Thank you for your email.
All accounts with a Debt Management company are managed by:
NCO Europe Ltd ( also RMA )
PO Box 175
Watery Lane
Preston
PR2 1GN
Telephone: 01772 765011

All Debt Management companies have been informed of this change.
If you have any questions that concern your plan or are no longer dealing with your Debt Management Company, please contact NCO Europe Ltd.
If you are seeking help from a Debt Management company and have not yet been issued with an official reference number, please inform them to contact NCO Europe Ltd.

Michaelalou_2

heatherks wrote: »

Hi i had the same problems and posted a message on here the other day asking advice as i couldnt access my account to pay i was given three different phone numbers including the one you posted which gave me the number below and told me they were now taking payments

...today i got an email confirming it

my account was FOR Very/NDR . it was . previously Littlewoods direct

rhis is what it said

Thank you for your email.
All accounts with a Debt Management company are managed by:
NCO Europe Ltd ( also RMA )
PO Box 175
Watery Lane
Preston
PR2 1GN
Telephone: 01772 765011

All Debt Management companies have been informed of this change.
If you have any questions that concern your plan or are no longer dealing with your Debt Management Company, please contact NCO Europe Ltd.
If you are seeking help from a Debt Management company and have not yet been issued with an official reference number, please inform them to contact NCO Europe Ltd.

Oh I've read a lot of bad things about this company harassing people.. How have they been with you?

I'm really surprised they're allowed to sell debts to companies without notifying us first

Michaelalou_2

Does anybody know about late payment fees with catalogs? Both little woods and very have always charged me with late fees (when it's been say a day late, even when I first started my DMP and they agreed to the dates)

I'm wondering if this is partially why my debts increase by so much since starting the DMP

Lensman_2

If you want to look in to the reason for the increase in balance, I suggest a SAR (Subject Access Request) to Very and Littlewoods. It will cost £10 each.

Should you find that they have treated you unfairly you have recourse to claim the charges (and possibly interest) are removed.

You are probably best to get help from here on that because I don't think Stepchange generally do much on challenging balances.

A template letter for a SAR is here:
http://forums.moneysavingexpert.com/showpost.php?p=11753093&postcount=8