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Everything posted by Caz1974

  1. Hi RFC, I've dealt with this bunch in the past - although they are named Kays they all operate as a part of Littlewoods Financial Group Plc. I'd write to Red something along these lines and see what happens ( mine was sent back to Kays who then wrote back to say they wouldn't pursue the debt ) Hope this helps... ACCOUNT IN DISPUTE Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with Kays and has been since ( ( DATE YOU SENT YOUR CCA REQUEST 2007). Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains unanswered action is NOT permitted, under s127 this constitutes a complete defence at law. Perhaps you are in a position to send out the above documents requested? If so then please do so within the allowed timescale but I doubt that you can. Now I would respectfully suggest that this account is returned to Kays for resolution of these defaults and breaches, as Red cannot lawfully pursue any enforcement activities until my dispute is settled with Kays . If Red chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your prompt response in this matter. I look forward to hearing from you in writing. Yours faithfully
  2. Thanks Loads Paul Yes unfortunately I did use it on the day - so that's that one out the window but I'm glad someone came along that could say it looked good. I'm getting a bit confused with the whole application not being a CCA and this is a copy of the application form I filled in at the Store. Onwards and upwards it's time to sit and wait for my S.A.R to be returned so I can plough ahead with my claim for all the high fees that have been applied over the years Thanks again!
  3. Morning Alf, Use something like this but ammend it to your own personal requirements, it's a personal choice at this stage to add the 8% interest allowed by the courts in these kind of claims but it does make a big difference in the amount you recieve overall ( and I've always been succesful so it's up to you ) : [your address] [their address] [date] LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxxx I am very disappointed that you have failed to respond to my letter of the [XXDATEXX]. I now understand that the regime of 'fees' which you have been applying to my account in relation to, Administration charges (ETC ETC AMEND AS APPROPRIATE) and so forth are unlawful at Common Law and contrary to consumer regulations. I am frankly shocked that you have operated this account in this way. I calculate that you have taken £XXXXX plus £XXX which you have charged me in interest for the sum which you have taken. Total £XXXXX. I am also now claiming 8% interest on top of the above total OVERALL TOTAL XXXX I am enclosing a copy of the schedule of these charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX] In addition to full payment of the sum mentioned above I require that you remove the default entry from the register and I require that you cease from sharing my data with any 3rd parties. Please note that mere correction or amendment to the entry will not be acceptable. I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice and at the XXX Location of XXXXX County Court. Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department. Yours faithfully, [name] Red - if you have a default notice issue as well - which has been caused by the charges. Otherwise to not include this part. DON'T FORGET TO INCLUDE YOUR SCHEDULE OF CHARGES WITH THIS LETTER
  4. Hi Kacisnana If you have a read of my thread it might make a bit of sense I'm in a very similar situation too Click here: Caz V Littlewoods - The Consumer Forums
  5. Recieved a response to the above letter today from the complaints department from a lovely lady called Kaylee.She explained that their computer systems swapped over last year and as a result a lot of accounts that where deemed as unenforceable got mixed and routed to the wrong departments i.e. the debt collection sections. Perhaps this is the reason for a lot of us having accounts which have been dormant popping up again? The letter stated that she will also fully investigate all the above points and get back to me as soon as possible ( within an eight week timescale ). So some kind of explanation at last
  6. LOL yep it's the flumps ( Pootle in the wooly hat ). I'll let you into a secret though but shhhhh..... if you click on my name my real pics in my profile but I think Pootle's cuter:D Always makes me smile!
  7. Hi Dave Sorry to be a pain but I know you've had plenty of CCA experience & wondered if you or some of the clued up folks on your thread could have a peep at my thread and give a little advice ( blushes from being cheeky ) Click here: GE Money help with a CCA reply - The Consumer Forums Thanks from Caz
  8. Hi Veester Sorry to hear about your PTSD my partner suffers from that too and it takes such a long time to be diagnosed and can go unrecognised for years. Sorry I can't give any advice to your questions but I'll bump you up the list in the hope that someone comes along that can Best of Luck!
  9. Phewwwwww Hopeful I'm glad it's happened to someone else too I was feeling a bit nutty for a while:D
  10. Hi everyone, I CCA'd GE Money for a Dorothy Perkins card. They sent me this one page document as a reply. Please could someone look over it because it looks suspiciously like an application form and not a valid CCA. If this is the case could someone please help me out with a good letter to fire back at them ( believe it or not this is the first ever piece of paper I have had for a CCA request the others simply never complied with anything) Thanks in advance I'm feeling a bit rusty:D http://img.photobucket.com/albums/v333/dc-ceramics/GEMONEY.jpg
  11. Hi Marmite and thanks, Letter has been sent so I'll sit back and wait to see what arrives
  12. The same thing happened to me lastyear with this bunch of erm bANKERS lol It wouldn't be so bad if the stay was equal ( say if you're not allowed to push your claim then they shouldn't be able to keep applying charges and interest - to me it seems one sided before the OFT case as even been settled ). Rules should have been applied to both sides equally. Hang in there your feeling of helplessness will soon lift and fingers crossed the light will soon be at the end of the tunnel:)
  13. You go Chrissi! If you can still email them through your online account I would send them duplicate letters via email ( they don't like that and seem to reply pretty damn quickly )
  14. Hi Ver Reading this might help Click here: Is the bank taking your Benefits ? - The Consumer Forums
  15. Student I intend to complain to anyone who will listen but firstly I want to send the whole complaint to Natwest just to see their response and explanation:D I recieved a letter today saying that my SAR wasn't signed OOOo de ja vuuuuu! lol I got out my filed copy and it was signed correctly and all in order. I sent them a photocopy of this and a big signature covering a page of A4. I also wrote in bold that please be reminded that I have again paid £10 for this info ( photocopied my P/O receipt ) and kindly informed them the next letter I should recieve should be my info and not a letter from them asking for a £10 payment. Anyone getting the jist that I've been here before ? ( cheeky grin )
  16. Hang in there sweetcheeks
  17. Hi again Alf, On your original letter for claiming the charges back did you give them a certain amount of time to reply to your complaint? I gave them 40 days and when that was up that's when I sent them my LBA:D
  18. Hi Alf Stick to your timescales for the claim for admin charges and post them off a Letter before Action when the deadline expires. I had to do this for my claim and they soon replied afterwards. You're right with your point about the above plonkers their isn't much they can do without a valid agreement so it will be a waste of ink to keep replying to them I just filed mine because they soon get sick of not getting any money and will no doubt pass it onto another DCA to try:D The only annoying thing about these bunch of dimwits is that they like to give you a lovely default whilst the debt is in dipute.
  19. My 1st daughter is named Elaura ( Ellie for short but now she's 16 we all call her chavvy britches ) When I was expecting my 2nd we got stumped so we took my middle name ( ann ) and added it backwards and the 1st three letters of her dads name (Dean) and added it forwards and named her De-Anna ( half of me and half of her dad cos thats what she was made of). I'm glad she wasn't a boy because my fella's dad's name was Ernest Allonzo:p and he wanted to carry on the family name LOL I like Amber for a girl and Dante for a boy but thats just the hippy in me:)
  20. Awwww Chrissi I didn't know you was expecting - I hope everything goes well
  21. Hi Mister Glad to see justice was finally done! Write the letter sister.... you've got nothing to loose!
  22. Morning Sister I hope you're well I would wait and make the credit card companies know in no uncertain terms that this account is in serious dispute and that you require full and comprehensive results from their investigation team before you even contemplate a repayment plan of any kind including bankruptcy. At the end of the day these aren't what as seen as priority debts and in my own opinion I think you have an extremely good case if they were to take you to court ( personal view ). I know it might seem a silly suggestion but the way this woman as been able to con others would it be worth looking into what a private investigater could put together in terms of evidence. I don't know what made me think of this route but the injustice in this whole affair is terrible. Perhaps if eventually she got a criminal conviction out of it then it may help others in the future. It's just so unjust that your daughter should be the one who is made bankrupt when clearly she was in hospital at the time. If the police are too far stretched to do the job then maybe giving them a helping hand might push this in the right direction. Whatever you decide I know you'll have your daughters best interests at heart:) Good luck!
  23. Morning Paul Nice Poc's! I recieved a letter from the FOS on Monday regarding Littlewoods to say they have recieved my complaint and are investigating but that in some cases it can take between six and nine months:eek: So I hope you're prepared for the wait lol Rather strangely though I had a phone call from a lady at Littlewoods the same day ( they have ignored all my letters for almost two years now apart from the usual NDR,Moorcroft.etc and notes on my credit file ) so it came as somewhat of a shock when she said she would be thoroughly investigating the matter and it would take approximately 8 weeks. Hmmmm I don't hold my breath but we'll see - I hope your response from the FOS will be much more speedy. At the end of the day we all want the same thing and that's to be treated fairly and within the law:)
  24. Hi everyone, I sent off for a S.A.R for my mum to Littlewoods and they have sent her a letter today which they claim to be all of her data. The problem is that it is all a computer print out with all kinds of codes on and each page is dated 02/02/2008. We can't unravel the info and think even if we sent it to NASA they'd struggle too:D It also states that her account was opened lastyear when in fact it was opened over 6 years ago. There are no statements enclosed ( I think the print outs are supposed to represent them). Any ideas of a letter I could send so I can get the data which she has paid for? I sent a S.A.R. to Littlewoods lastyear and just got the normal statements back - is this a new confusing tactic?
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