Me vs Littlewoods Catalogue

[kennyparkroad]

Hi there.

Wrote to them 18 December requesting CCA from littlewoods (sent non recorded like a fool, so they could deny ever getting it, plus i couldnt prove they DID get it.)

sent another letter (this time recorded) which was signed for on the 6th March, asking for CCA, Statement of account etc.

Well i got this reply yesterday.




13 March 07

Dear Me

Subject - Catalogue Debt.

Thank you for your letter, i was sorry to hear you are experiencing financial difficulties.

As you requested, i have listed a full statement of account.

The outstanding balance on the account is £xxxx.xx This consits of:

£xxxx.xx of good over x period of time

£xxxx.xx of goods over x period of time.

Under the circumstances, all further action has now been suspeded on this account for 28 days, in which time we should have received your proposal for payment.

If you need to contact me about this matter, please write to me at the above address. I will be happy to help you.



Now i asked for CCA and Statement of account (including payments) this obviously isnt it.

What do i do from here, obviously they are stalling, as i know for a fact i didnt sign anything.

Do i wait until their in default (which they are if you count the letter in December, which i kept a copy off, if not they are in default
26 March)

Thanks in advance for all replies!

[kennyparkroad]

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[kennyparkroad]

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[kennyparkroad]

sorry to bump this again, but am really in need of advice on my next step.

[gizmo111]

Well thats not a full statement of account and they haven't complied with your CCA request - send them a copy of the letter you sent them and tell them you will make no further payments until they comply.

[kennyparkroad]

so i will write

Thank you for your letter dated.

It seems youve misundersood my original letters (enclosed for ease of reference), please comply with my original request which is for a copy of the True Signed Agreement.

Signed

Me


would that do?

[kennyparkroad]

ok ive drafted a letter

please tell me what you think and reply as necessary



To Them

Date
Dear Ms person who signed letter
Name: NAME OF DEBT WITH REFERENCE NUMBER
Before I continue I wish to establish that I am not seeking to avoid responsibility for any alleged debt or breach of any alleged agreement that I may have or have had.
Thank you for your letter dated x March 2007, however, I am very disappointed you seem to have misinterpreted the content of the original letters, please find those letters enclosed for ease of reference.

Please supply me with the documents I have requested in the enclosed letters and please note that the original deadline as per the original letter still stands.

As you have suspended this account, you are acknowledging that the OFT has ruled that it is a creditor's obligation to prove that a debt is owed, rather than a debtor's obligation to show that it is not. It is also the OFT's position that once a debtor queries or complains about a debt, no further enforcement or recovery action can be taken until the query or complaint has been resolved.

Accordingly, I look forward to the information originally requested in my letter dated x month and year, and again in my reminder, dated x month and year received by your firm on x month and year
If you are unable to supply the information within the original legal time frame, then please send me the name and address of your compliance officer.

Yours faithfully,





Me.




is this ok? if anyone has any suggestions or changes, PLEASE LET ME KNOW ASAP

thanks

[gizmo111]

Dear Mrs Littlewoods,

Thankyou for your letter dated xx/xx/xx the contents of which I note. However this does not fulfill your obligations under the CCA 1974, details of which I requested xx/xx/xx.

The alledged debt is at present unenforceable, until you satisfy my request.

To this end I would like you to note that I will not enter into any further communications with your company on this matter, unless and until my request is actioned.

For ease of reference please find enclosed copy of aforementioned letter

Love Kenny

[kennyparkroad]

cool, sharp simple and to the point, will leave it and post it tomorrow morning!

thanks gizmo, in the meantime any other posts or replies welcome!

[gizmo111]

cool, sharp simple and to the point

You been chatting to my husband?

[kennyparkroad]

lol not at all

PS - posted the letter tonight recorded

[kennyparkroad]

once again the letter hasnt been signed for (this is from the 16th march)

what i will do (as they "gave me 28 days" lol )

i will wait until Tuesday April 3rd, if ive had nothing back from them (because i think it has been signed for in a bulk bag), ill send the letter Special Delivery, they are in default and offense stage anyway!

im having so much fun with this now!

[surprise]

Just dropping in to say that a recorded delivery CCA letter which I sent to NDR on 6th March as never shown up as being delivered by the Royal Mail. I even phoned to check with the Royal Mail and they said it hadn't been delivered. However, bless their cotton socks, NDR actually put the £1 towards the account and kindly sent me a statement showing when the £1.00 was received. Very thoughtful as I hadn't got any proof of it being delivered. I must presume that Royal Mail in their wisdom just posted it and didn't get anyone to sign for it.

[oz4725]

Kenny P R

I've just had 8 weeks of pure fun with Littlewoods and Debt managers Ltd.
They started giving my Mother in Law loads of Sh*t so i decided to start firing some letters at them.

To cut a fairly lengthy story short, Debt Managers fired her account straight back to Littlewoods within 48 hrs of receiving our CCA request. They even rang us and said that they had handed it back as there was no CCA agreement in place and they did not want to be associated with illegally chaseing a debt!

We then got a letter from Littlewoods as follows

"With ref to your letter requesting a copy of the credit agreement.
Under sections 77 and 78 of the consumer credit act 1974 we are required to provide a copy of the executed agreement (if any). On the assumption that you have signed the agreement supplied to you at the time of opening your account. We enclose a copy of our agreement which complies with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983"

They sent a blank copy of a credit agreement!!!!!!!!

After another letter from me saying poke it basically we got a phone call today from littlewoods saying that the debt has been scrubbed and that the balance was now £0.

The lady that rang was sound with me and i pointed out that all the letters that had been sent were pretty naughty considering they never had there admin in order.

When i pointed out that a criminal offence would be commited in 4 days, she was aware of this, and offered to reimburse all monies paid on the account!! Result

Stick with it KPR you'll get there mate.

[kennyparkroad]

thanks

although keep track of this thread, if they fob me off with a blank CCA i may need the letter you sent them

thanks for dropping by

KPR

[oz4725]

No problem for the letter mate, just shout as and when you need it.

What i found was that once you got past the "Customer - we're right and your wrong- Service" telephone operatives and started speaking to the people in the Payment Collections Unit you started to get results.

All the best mate. I'll keep my eye on this thread for you but if you need owt and i've not seen this thread just PM me.

Oz

[ajjars]

Hi all,

I too was supplied with a blank "agreement" from Littlewoods after my request to NDR. It was 3 days outside the 12 working days (+2) and the one calendar month. Just left it and thought - let them hang themselves - and they did! A few days later I received a default notice from NDR (thread under lxdirect and NDR). Fuming I fired off a stinker of a letter, and lo and behold yesterday received a reply from Littlewoods saying they will not pursue this debt anymore. Have now written requesting they remove any reference of this debt from my credit files. Gave them 14 days to do this. Just waiting for a response.
Had a bit of a result today re: a default I have from Robinson way (although it is registered by their "parent company" London Scottish).
Sent the same letter to them to remove the adverse info from my credit files, got a letter today saying they will do this (thread Robinson way - default removal). So it does work peeps! Keep at it.

Couldn't do it without the knowledge I have gleaned from this site - and the support of other CAGers, so thanks everyone!!

Cheers Ajjars