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lowell/overdale claimform - old Shop Direct CAT debt - Now Wiped out by my Court Charges Reclaim **WON**


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Hi all again,

 

I've had a lot of problems with Littilewoods and Shop Direct Finance Ltd of the past few years.

 

 

I currently owe them £292.95 and have been paying them token payments since May with a DMC.

 

In the time i was in the DMC I had a lot of charges from Littlewoods.

 

 

I've sent the DMC a SAR because they messed up some other debts of mine too and I want to see what they did.

 

 

I'll list all the one's I can find with the statements I own and what my credit report says.

 

??/10/2014 Arrangement to pay (what it says on Credit Report)

 

??/09/2014 Arrangement to pay (what it says on Credit Report)

 

??/08/2014 5 Late payment (what it says on Credit Report)

 

??/07/2014 5 Late payment (what it says on Credit Report)

 

??/06/2014 4 Late payment (what it says on Credit Report)

 

??/05/2014 3 Late payment (what it says on Credit Report)

 

19/04/2014 Late Minimum Payment Fee £12.00 (On the same day I made a payment)

 

01/04/2014 Debt Collection Telephone Call fee £12.00

 

??/04/2014 3 Late payment (what it says on Credit Report)

 

??/03/2014 Arrangement to pay (what it says on Credit Report)

 

??/12/2013 Not Updated (what it says on Credit Report)

 

??/11/2013 Settled (what is says on Credit Report)

 

??/10/2013 Arrangement to pay (what it says on Credit Report)

 

??/09/2013 2 Late payment (what it says on Credit Report)

 

??/08/2013 2 Late payment (what it says on Credit Report)

 

??/07/2013 1 Late payment (what it says on Credit Report)

 

??/06/2013 Query (what it says on Credit Report)

 

??/04/2013 Query (what it says on Credit Report)

 

??/02/2013 1 Late payment (what it says on Credit Report)

 

??/01/2013 1 Late payment (what it says on Credit Report)

 

??/10/2012 1 Late payment (what it says on Credit Report)

 

??/08/2012 2 Late payment (what it says on Credit Report)

 

??/07/2012 1 Late payment (what it says on Credit Report)

 

??/05/2012 Not Updated (what it says on Credit Report)

 

??/04/2012 settled (what it says on Credit Report)

 

??/09/2011 1 Late payment (what it says on Credit Report)

 

??/08/2011 1 Late payment (what it says on Credit Report)

 

??/07/2011 1 Late payment (what it says on Credit Report)

 

??/06/2011 1 Late payment (what it says on Credit Report)

 

??/05/2011 1 Late payment (what it says on Credit Report)

 

17/11/2010 Debt Collection Telephone Call Fee £12.00

 

??/11/2010 1 Late payment (what it says on Credit Report)

 

There are a lot more and the debt was past to NDR money I think around June 2014

because I have a summary from them showing I made token payments In June & July.

But i don't think they added any charges,

I was thinking of sending a SAR to Littlewoods to get all the information.

 

I was wondering if I can claim the money back and can I get the charges removed from my credit report,

because they cant be legal.

Also how much of this £292.95 should I pay if a lot of it has been charges.

 

Now my old DMC said when i closed the account down that I owed the Littlewoods debt to Shop Direct Finance Ltd.

Also my credit report says I owe Shop Direct Finance Ltd and the data goes back as early as November 2010.

 

Any advice on how to proceed would be much obliged.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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certainly have lots of fees to reclaim.

 

also remember NDR are shop directs internal DCA.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk,

 

I left this last to post about, because as you can see there's a lot of charges spreading over 3 and a half years almost.

 

That's why I think I need to SAR them because only the dates with days in are what i have a statement off.

 

My question is who do I SAR, is Littlewoods owed by Shop Direct Finance Ltd and if so do I send the SAR to them or Littlewoods.

 

And how would I go about claiming the charges back?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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yes sar to shop direct.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for the link dx100uk,

 

What address should I use?

 

I've found online that there registered office address is:

 

1st Floor

Skyways House

Speke Road

Speke

Liverpool

L70 1AB

 

Should I put Shop Direct Limited at the beginning off the address like this?

 

Shop Direct Limited

1st Floor

Skyways House

Speke Road

Speke

Liverpool

L70 1AB

 

Also for the Account/ref number do I just put my Littlewoods account Number?

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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both will do or

 

 

the innovation centre

park lane

netherton

bootle

l30 1sl

 

 

no need for any account numbers

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Would they just go off my name then? I thought you'd need an account number as a starting reference for the company to workout who you are.

 

At the moment I've got the full SAR typed up with this address:

 

Shop Direct Limited

1st Floor

Skyways House

Speke Road

Speke

Liverpool

L70 1AB

 

And my Littlewoods account number in the Account/ref number bit of the letter.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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if that's the only catalogue you've hd then fine

 

 

but an SAR is for all data a company has on YOU not just one account

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Are i didn't think of that xd, But I've only had my Littlewoods account with them.

 

Just wondering after reading the other post about someone claiming back charges, when I sign the SAR what do I do to much sure it doesn't get lifted?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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to what end?

what good is it to them?

 

 

its a bit of an old wives tale too

the sar must be signed

its a legal requirement of the act.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I was only going to do it because I've seen people saying to on this website. But from what you've said I've just signed it as normal.

 

I've sent if off today 1st class recorded delivery, Let the games begin as they say :wink:

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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  • 3 weeks later...

Hi all again just an update,

 

Got a letter today of Shop Direct saying thank you for your correspondence, we are currently collating all the information and will contact you again shortly.

 

I've uploaded a copy of the letter in the post

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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They have 40 days to supply it, so sit tight and if you dont have it by the 41st day, get complaining.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 4 weeks later...

Hey everyone,

 

I've still not had any SAR from Shop Direct, I sent it on the 18/11/2014 so its been 42days now, what should I do?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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I dont think that includes christmas, though i could be wrong. Give them another couple of days, just incase they have sent it and its stuck in Royal Mail. If you havent got it in the next few days, get a full complaint in.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for the quick reply,

 

I'll give them until the 2nd then, didn't think Christmas would effect it but lets see.

 

If it's not here by the 2nd, how would I go about the complaint, could you give me a template for the letter?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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It shouldnt affect it but i doubt theyd be working during the holidays. However, you can easily say you gave them an extra week to compensate. As for the template, see http://www.consumeractiongroup.co.uk/forum/showthread.php?387319-Failed-SAR-No-Reply-40-Days-Have-Expired

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I've typed up the letter now, I'll post it below, let me know if there's anything I should change?

 

[removed - read the rules please]

Thanks

Andrew

Edited by dx100uk
template removed - read the rules please

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Please dont replicate the templates in an open forum :)

 

However, yes, your letter looks good.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sorry forgot about that rule,

 

My bad, I'll print that off and send it on the 2nd if I've still not got anything from Shop Direct.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Hi all,

 

My SAR came on the 31/12/2014, I've had a look through it. All they've given me is a decoder and statement in list form, they still have all the fee's on, but I've not been sent a copy of the statements they sent to me in the post.

 

 

Here are the fee's:

 

Date, Type, Description, Value

14/08/10, DB, Adjustment 12

11/09/10, DB, Adjustment 12

06/11/10, DB, Adjustment 12

17/11/10, DB, Adjustment 12

14/07/12, DB, Adjustment 12

27/07/12, DB, Adjustment 12

11/08/12, DB, Adjustment 12

06/10/12, DB, Adjustment 12

17/10/12, DB, Adjustment 12

03/11/12, DB, Adjustment 12

04/12/12, COM, EXC 03

29/12/12, DB, Adjustment 12

26/01/13, DB, Adjustment 12

12/02/13, DB, Adjustment 12

23/02/13, DB, Adjustment 12

06/03/13, DB, Adjustment 12

20/04/13, DB, Adjustment 12

18/05/13, DB, Adjustment 12

04/06/13, DB, Adjustment 12

15/06/13, DB, Adjustment 12

26/06/13, DB, Adjustment 12

13/07/13, DB, Adjustment 12

10/08/13, DB, Adjustment 12

29/08/13, DB, Adjustment 12

24/10/13, DB, Adjustment 12

25/01/14, REF: I Have, Late Min Payment Fee 12

22/02/14, REF: I Have, Late Min Payment Fee 12

14/03/14, REF: I Have, Debt Collection Letter Fee 12

01/04/14, REF: I Have, Debt Collection Telephone Call Fee 12

19/04/14, REF: I Have, Late Min Payment Fee 12

08/05/14, REF: I Have, Debt Collection Letter Fee 12

17/05/14, REF: I Have, Missed Min Payment Fee 12

 

Total fee's: £375

What I owe Littlewoods: £292.85

 

 

Can I claim on theses fee's? if I can what spreadsheet would I need to use and how would I workout the interest/compensation.

 

Would love some help on this.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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pop each one in this

 

CISheet v101.xls

 

put their int rate in cell d15

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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all what you need to do was in post 5 thread link

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi xd100uk,

 

I've read that post, I think I've found the interest, I'll upload a copy of a statement. I've found out from the information in the code explanation, that, the codes below mean this.

 

ADJ: Adjustment

ORD: Order

PAY/PMT: Payment

 

 

I think the interest is whats next to "ARREARS", because It has things like "2.474" next to it. I'll upload a copy of a statement they sent me.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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