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NDR and Very

Hi All,

Looking for some advice. I had a 36 month payment plan with Very for £50 per 4 weeks which I didnt think was due to expire till next year.

I wrote to them last month asking for a full and final settlement figure as I had got a loan and had £1500 after paying off all other debts. They said no it was £3200.

I just got back from my Holiday which my parents paid for and had a statement from them showing I was in arrears and then 2 days later I had a Letter from NDR saying they were now recovering the debt.

I've tried to contact very but they say they are no longer dealing with it.

I've tried to find an email address for them but I cant and I don't want to phone them.

Any advice on what is the next step? Should I just write to them by post?

thanks in advance

Comments

  • sourcrates
    sourcrates Posts: 30,610 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Very, Littlewoods, Kay's, and a few others, are all owned by shop Direct Group. NDR are just there own "in-house" collections team, a complete nightmare to deal with I agree.
    Assuming your not that bothered about how your credit file looks, my advice would be to do nothing right away, in a few months they will sell the debt on, probably to wescot, or more likely Lowell, both are easier to deal with than NDR.


    I found NDR totally useless, a complete and utter waste of time and space, but if you feel compelled to deal with NDR, I`m sure they will be in touch with you soon, if not, here's a link to there website :


    https://www.ndrmoney.com/index.php
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • laingn
    laingn Posts: 61 Forumite
    Thanks for your reply. Just checked my credit file which isnt great as it is but I was only 31 months into a 36 month payment plan to which I have adhert to constantly.

    Really annoyed about it all and I wonder if it was because I offered them a settlement figure.
  • sourcrates
    sourcrates Posts: 30,610 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    laingn wrote: »
    Thanks for your reply. Just checked my credit file which isnt great as it is but I was only 31 months into a 36 month payment plan to which I have adhert to constantly.

    Really annoyed about it all and I wonder if it was because I offered them a settlement figure.



    It could well be, as they are part of shop direct, they will not be willing to accept part offers on debts, as essentially you are still dealing with the original creditor in all but name.
    There next step would be to sell the debt on, you would have more luck with an external DCA, that's for sure.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Brightspark87
    Brightspark87 Posts: 1,466 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker Debt-free and Proud!
    they can be awful I completely understand. All I will say is NDR were difficult but I thought Lowell were very fair and i paid what I could afford as soon as possible.

    Paid off all Catalogues 10.10.2014
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