I finally got a phone call this morning. It appears I was right, their T&Cs at the time of the agreement were such that you got a rebate on the interest for paying off early. However, for paying off 6 months early they are offering me £5.84 rebate! I asked them to provide me with the proforma that they have used to calculate this life changing amount of money.... I await with interest, no pun intended, their answer

As mentioned in my post I did write to them asking for a copy, but I am not holding out too much hope that they will bother to respond, and even if they do, by that time I will have paid for the sofas and I can see them informing me I had x number of days to apply and that the time is up!

My Daughter purchased two sofas from them in June 2008 on extended terms of buy now pay June 2009 and then extended for two years. In effect three years to pay for them. The cash price was £499 and they tacked on £278 interest for the privilege of paying slowly. Yes I know, ridiculous but it was the only way she could afford the furniture. Anyhow at the time it was explained to me that if she paid back in full before the end of the three year term that she would be able to reclaim some of her interest. So she has been paying and I have also been paying a little (unknown to her) and it is now in the position that only £40 remains outstanding on a debt that didn't need to be cleared until June 2011. I telephoned Littlewoods to ask who I would need to contact to reclaim the overpaid interest and surprise surprise they know nothing about it. It is not in their terms and conditions that they do this and they have recently upgraded them (made them less helpful to the consumer) since July this year and of course there is no mention there of reclaiming interest charges when paying up early. I cannot find the agreement which was taken out at the time and so cannot prove that it did in fact mention this option to pay back early and have some interest refunded. I have written to them asking for a copy of the agreement from 2008 but hold out little hope of getting it. So can anyone help me with a copy of an agreement made at that time June 2008 or thereabouts. I obviously do not want to see the details which are pertinent and private to you, but I want the general T&Cs so that I can confirm that I am not insane and that it's worth fighting for some money back. Any help will be most gratefully received Lin

Hi Lex, thanks for those links. In the end I signed up to BT's Choose to Refuse and everytime someone phones me who I do not wish to talk to I simply bar their number. I don't answer any numbers I don't recognise and if someone calls and asks for me I ask who is calling if they refuse to say I simply hang up and use the C2R and ban their number. It even lets you bar the last number you received whether or not is was withheld...... a most useful little device. The peace of mind it gives me is wonderful. If I do manage to get this sorted out though I shall be able to stop subscribing to the service. TW

Hi 42Man, another small query on this before I send 'the letter', The 12 day letter went to Buchanan Clark & Wells who were apparently acting on behalf of Aktiv Kapital. When they wrote to me on 21st and again 25th November they informed me they had asked their Clients to directly send me the documentation I had requested. Therefore do I send the 30 day letter to BCW or to someone else? I am just a little confused by the wording where it says:- * You may not pass the account to a third party. Clearly they have already had this passed onto them by the original Creditor. In fact I suspect it has been passed on several times already. so does the quote above still apply? I don't want BCW coming back with some rubbish about their not being the actual Creditor, nor do I want them passing the buck backwards and AK passing the debt on themselves to another DCA. Thanks in advance TW

Thank you for your prompt reply 42Man, and also for your welcome. I shall get an edited version of your letter off to them first thing Monday recorded delivery. The help that this forum provides is invaluable to people like me. When first these people started harrassing me for this debt I was at my wits end and it was making me more and more ill; I am already disabled with both ME and COPD. My Daughter finally snapped and phoned these leeches and threatened them with her physical presence if my state of mind deteriorated any further! If we had but known it then they most likely didn't have the requisite required documents and only backed off because she clearly was not going to let it drop. Up until she contacted them they were phoning me several times a day! As I mentioned before all went quiet for ages because I was paying the amount we had agreed. Then for some strange reason they started in on the tack that I was defaulting and I decided not to play their game any longer. My debt, over the years has gone from around £800 to nearly £8,000 and all due to their ridiculous charges and interest fees. I daresay this current bunch of shysters paid around £80 for it and would like me to sell a kidney to give them 10,000% interest. TW

Firstly please accept my apologies if this has been answered elsewhere on the site but I suffer with ME and if I read anymore my brain will explode. I did some reading a month or so back and as a result of reading the advice on here I sent off the CCA letter to a DCA threatening me. By return of post they returned my £1 PO fee saying they had contacted their client and they would be contacting me direct with a copy of the CCA. Two days later they sent me yet another letter confirming that they had now heard from their client and I would be hearing from them directly. This was on 25th November, so now the 12 + 2 days are definitely up. I was originally then going to sent the 30 day letter where I tell them that they are breaking the law if they do not provide me with a copy of said CCA, but I read somewhere else that the law has changed and they are not now breaking the law if they do not provide this agreement. Now I am confused as to what letter I should send them at this point. I would prefer to get this matter dealt with now as it keeps going round the various DCA's like a chain letter and I would prefer not to spend the rest of my life sending out the 12 day letter! In case the change of law only applies to more recent debts this would be for a credit card matter from around 2000. I realise it is well over 6 years old but I have acknowledged it within that time and indeed until relatively recently was making regular (but very small) monthly payments on it. I only stopped because the company kept writing to me telling me I had defaulted under my agreement with them and insisting I phone them. I wrote 5 times including copies of my receipts to them but they just kept on ignoring those letters. In the end I figured they keep telling me I am not paying so why am I still doing so, and I stopped. Any help will be gratefully received. TwistedWitch