Strange, maybe with all the thousands of letters they areprobably getting demanding proof of CCAs, they are trying to get existing customers who are in credit to sign CCAs in case they ever go into debt! Bolting horse, stable door?

That makes sense. I think it is highly unlikely that Littlewoods have anything like a credit agreement on record as I started this account many many years ago (probably over 15 years ago). I would be very surprised if they have any of the original application paperwork on file still. Many thanks for your comments, will take all this on board

Yeah, that worries me too with some of my debts I am trying the CCA letter on. I think I will be ok with Littlewoods as when I started the account years ago, I was not married to my (now) husband and so if they tried to pull this trick of pasting a sig from a recent letter they would be out of luck as it would be wrong name! (I assume that any credit agreement is something signed when you start an account not halfway through it? If so I know I have not signed any kind of agreement since I applied for the account.)

Brilliant, thanks so much, again. I will get all the letters done today and get them sent first thing tomorrow. Maybe there is light at the end of this very long tunnel! Best Wishes

Wow, there is a lot more to this CCA stuff than I had thought. I will get on and do this today. Thanks so much for your help, I feel much more positive than I did before. Ooh one last question, when I send the letters do I stop paying the monthly payments or should I keep them going until it is settled? Cheers

CCA, is that when you ask them for a copy of a signed agreement? I know that I signed papers when I started the credit card, Cahoot was done on line so no signature, Littlewoods I can't remember ever signing one. If I have been paying small amounts would this not be me showing I accept I owe them the debt? I don't think there were any cahrges. When I first negotiated reduced payments I got Littlewoods to pay back the admin charges. I would need to check with Cahoot account but I think interest may still be added on this one but no additional charges Natwest have frozen interest and no other charges are being added.

Help - I am new to the forum so hi to you all. I am trying to find out if I am being lied to. Long story - wont bore you with details, But I am in debt to Littlewoods Catalogue for £2647. It is one of a number of debts I am trying to settle. I have managed to raise a pot of money to try to offer final settlements to each creditor but it is not enough to pay debts in full. I used the letter that was shown in one of the threads to offer final settlements to each one. Barclays Bank - no problem - accepted offer NatWest wont budge they want the full amount Cahoot wont budge also threatening to pass debt to DCA NDR ignored my offer then when I phoned them they said that because the debt is for a catalogue and there is no interest added (like with credits cards etc) that they cannot lower the amount owed. Is this true or are they just trying to pull a fast one. I have explained that the reason I want to settle all debts now is that I have been diagnosed with MS and I do not know how many years of work I will be able to do before I have to give up or take a lower paid/parttime job and then they will be very unlikely to get the rest of it paid any way. Better to settle for a lump sum now I thought. To add insult to injury I have just been turned down for DLA too even though I have difficulty walking properly and even more trouble with trying to walk any kind of distance. But that is a whole different issue. I just feel there is too much to handle at the moment and I want to simplify my life!! Grateful for any advice or info.

Thanks Freakyleaky will do Cheer

That is such a good idea I wish I had done that before I have just created a sig now, really quick and easy! Thanks for that link - really useful

Help - I am new to the forum so hi to you all. I am trying to find out if I am being lied to. Long story - wont bore you with details, But I am in debt to Littlewoods Catalogue for £2647. It is one of a number of debts I am trying to settle. I have managed to raise a pot of money to try to offer final settlements to each creditor but it is not enough to pay debts in full. I used the letter that was shown in one of the threads to offer final settlements to each one. Barclays Bank - no problem - accepted offer Natwest wont budge they want the full amount Cahoot wont budge also threatening to pass debt to DCA NDR ignored my offer then when I phoned them they said that because the debt is for a catalogue and there is no interest added (like with credits cards etc) that they cannot lower the amount owed. Is this true or are they just trying to pull a fast one. I have explained that the reason I want to settle all debts now is that I have been diagnosed with MS and I do not know how many years of work I will be able to do before I have to give up or take a lower paid/parttime job and then they will be very unlikely to get the rest of it paid any way. Better to settle for a lump sum now I thought. To add insult to injury I have just been turned down for DLA too even though I have difficulty walking properly and even more trouble with trying to walk any kind of distance. But that is a whole different issue. I just feel there is too much to handle at the moment and I want to simplify my life!! Grateful for any advice or info.