Just wondered if anyone knows the practise for recovery of NPD's. Is this automatically deducted on the 4 day pay or do you have to apply for it? I was told it was auto on 1 of the debts but they was unsure as to whether it was the NPD or GPD. Since as I dont know the difference I am a little lost on the matter. I had the NPD put on my May statement for the first time so am i therefore right in thinking that it is in installments beginning in July? Cheers for any help.