Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hello,
just sent my DPA request to Littlewoods.I've had enough of it now.
Already this month they charged me £30 in administration charges.
That is...in 3x £10 batches within 13 days.Surely that is unlawful??
I tried to contact them about those multiple charges 5 times over their
website,but haven't had one reply.
Customer services are great!YEAH RIGHT!
anyway,the ball is rolling,and there is no stopping me!
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
received letter today stating that they are in the process of collating
all of the required information from different areas of the business.
On receipt of all relevant documentation th edetails will be mailed to me.
Printouts and a lot of other stuff received today.
Very confusing printouts.........but after all the highlighting done it looks like they owe me £115!
Not a lot but still my money
Has anyone heard of any catalogues closing accounts after claiming yet??
Trying to close all my catalogue accounts one after the other anyway,
but if i still owe them more than they owe me,i'm a bit worried they ask for all of it back straight away?!
Also,i seem to have problems to get some of my chosen accounts closed??
Even after several letters,i just can't get them to do it and update my credit file.
Any advise there??
Hi Techspec,
not finished with this one yet. Had to put it on Ice for a while.
And to your question if you should bother for £100. It is your decision, but in my case it's not much more than that, but it's always worth the bother. It's your money, why should they keep it?
I am hoping to get this one rolling again very soon....will keep you posted.
jellybabe
I have got an account with Littlewoods, Additions and Choice. There are all in the Shp direct financial group. Am i right in thinking i can request the CCA for all 3 accounts in one letter, or is it advisable to do them all seperate?
Two questions please for all of you knowledgeable peeps out there:
1.Regards post nr 9 above. Is it ok to send for all 3 of them in one letter? They are all in the Shop Dierect Financial Group.
2. Not having handled many Postal Orders before.....do i have to cross them or leave them like they are??
Any help regarding teh above is much appreciated, and sorry if it sounds a bit thick.
No signature for my letter yet.....but....those morons credited my account with the £1 Postal Order on the 13th June. Just checked my Online account and it's on there.
Should i write a letter to them or do i just wait for another 10 working days to see if they come up with anything?
Ok...just had a "your account is in arrears letter", dated the 11th June 2008.
My current payment should be made immediately and my next payment is required by the 7th June 2008 to prevent further action???
So...are they actually asking me to go to the past and pay my arrears??
Another "your account is in arrears" letter received today. A new charge and also the warning missed payments being recorded on credit files.
They haven't supplied me with my CCA yet and i haven't received my S.A.R. yet.
What should i do next? Should i draft a letter saying you are in default until you supply CCA or S.A.R.?
Would it be any help for me to write to them stating that the account or the amount owed is at the moment in Dispute, as i haven't received my CCA, nor my stuff through the S.A.R.
Or would that jeopardise my claim in the future about the charges refunds.As obviously you can't deny having an agreement and then shortly after, starting to reclaim any monies owed.
To be honest i just want them off my case right now.
I know for a fact that there are loads of charges on that account.
Thank you for your letter of xx/xx/xx. I am disputing the total value of these debts with Littlewoods due to unlawful and unreasonable charges. As such, therefore, I consider this account to be in dispute and no further action or payment shall be made until this matter is resolved.
As per OFT guidelines Section 2.8k "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."
Littlewoods has failed to supply a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated xx/xx/xx. Upon receipt of the original request the specified account legally entered into disputed status. My request remains outstanding.
As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law.
You had until xx/xx/xx (12 days Date) to provide me with the true copy I requested. After that date you entered into default of my request. Whilst the account is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you.
Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agencies (or any third party).
To register information with a credit reference agency, you must have written consent from the data subject to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not process any of my data.
The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. Any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office.
The time limits, which are laid down in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 are clear. You must supply an executed credit agreement within 12 working days of a proper CCA request. If you fail to comply with a legitimate request the account enters a default situation and if you fail to comply after a further 30 days you commit an offence.
You entered into a default on xx/xx/xx (12 Days Date) and subsequently committed a criminal offence on xx/xx/xx (Month Date).
Therefore you have 7 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint, otherwise your conduct will be reported to the Office of Fair Trading, the Financial Ombudsman and Trading Standards. Any investigation undertaken by them may affect your ability to hold a consumer credit license in the future.
Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.
Littlewoods can communicate in writing only, your telephone calls will not be answered.
I will not be making any further payments to you until you provide me with the document I have requested. Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me. I would appreciate your due diligence in this matter. I reserve the right to report your actions to any such regulatory authorities. I look forward to your reply.
Thanks for the above. Will amend and send it off. Just hope they don't register a default against me. I am aware that a few have done so, even with the accounts being in dispute.
Thanks again for helping me out.
and subsequently committed a criminal offence on xx/xx/xx (Month Date).
The 30 calender days aren't over yet. So they haven't really commited a criminal offence yet, haven't they? Shall i just delete that bit in the letter or should i let them know that they will commit an offence on that date?
Thanks
jellybabe vs Littlewoods Flexi
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