Cheers! Sounds like a lot of fun to look forward to! I shall wait with bated breath!

Hi there. Well I wrote to Moorcroft with "Kyr's" letter slightly adapted and it was sent recorded delivery on the 19th August. I received a letter this morning from Moorcroft (Pre-Court Division!) stating that they are no longer dealing on the account. I wonder what the next step will be with Littlewoods?!

Thank you everyone for all your help. Hopefully, this might be the end of it all, although I doubt it!

Thanks for your comments. Has anyone got a letter containing the correct jargon that I can send to them and get them off my back forever? Or is that asking too much?

Help needed again please! What is my next step? Moorcroft wrote back to me on June 2 in answer to my complaint. They also enclosed their complaint procedure. Anyway, in this letter the supervisor said that she would investigate my complaint fully with John Moores Home Shopping Ltd. and would put my account on hold and revert back to me as soon as possible. Of course I had nothing until I received a letter from Littlewoods referring to my recent (!!!) request for a copy of my agreement with them. They say that they are unable to locate a copy of an executed agreement, but for my information they enclosed a copy of the current agreement which applied to this type of account. They say that this version includes all contractual variations which have taken place. Etc. Etc. Of course I have never ever seen a contract, let only a signed one! So, what do I do now? I originally sent off a request by recorded delivery for a CCA to Debt Managers Ltd on 5/2/08. I have sent off two other letters by recorded delivery to Moorcroft. Thank you so much for any help anyone can give me.

What in your experience happens next if I actually go to TS and the OFT? I thought I would send the letter suggested by ODC and then if I don't get a reply (which I obviously won't!), then I would send copies of everything going back to February (I think!) to TS and OFT and see what happens then. Littlewoods and Debt Managers are obviously in default now as they never bothered to come back to me with a CCA (there isn't one). Thanks

Hello ODC: thanks so much - are they likely to reply to this new letter, or do you think they will continue to send threatening letters for ever and ever?

Thanks for your advice. Presumably I should send the letter recorded delivery?

Thank you so much. I'll do that and see what happens.

I originally had a account of £1839.50 with Littlewoods which I was happily paying, got into cash flow problems and it was handed over to NDR. I was paying them happily and then they decided they wanted it all at once and passed it over to Debt Managers Ltd. I sent off the normal CCA on February 5 by recorded delivery. Debt Managers replied on February 8 saying that they had requested a copy of the signed agreement and would revert back to me. I heard nothing more until this morning when I received a nasty, threatening letter from Moorcroft (Pre-Court Division), demanding £1839.60 owed to John Moores Home Shopping Ltd. (Note a difference of 10p in amount and now they say the debt is owed to John Moores rather that Littlewoods. When I first started this account about 15 years ago it was with John Moores catalogue (no credit agreement!) and then I think John Moores was taken over by Littlewoods. Anyway, could somebody help please? What do I do? Should I start the whole procedure over again with? Actually, I just looked at the copy of the CCA letter which I sent to NDR in February - Littlewoods was not mentioned - I just asked for a copy of the credit agreement for the debt. Thanks!!

Cheers! So this means I do nothing until I hear from them. Thanks for response!

I had an agreement to pay a 4 weekly sum to Littlewoods catalogue through NDR (presumably the same company as Littlewoods?). I had been paying the agreed sum as arranged for the previous 12months and I rang the end of last year to discuss future re-payments. I was informed that the debt would be sold on to Phoenix as I could not clear it as fast as they wanted. Then I got a default notice from Littlewoods saying that on 27th March, 2007 (!) my debt had been legally assigned to Phoenix Recoveries (UK) Ltd S.a.r.l acting in the name and on behalf of its compartment "SDFS Recoveries" and that any further communication and payments regarding the above should now be addressed to Debt Managers Ltd. in Edinburgh. Anyway, I then got a letter from Debt Managers Ltd demanding repayment, with all the apparently "normal threats" of what could happen to me etc.etc. I found your site and was so relieved that I could do something about it. I consequently sent off a recorded delivery letter on 5th February to Debt Managers asking for a copy of the signed consumer credit agreement with Littlewoods signed by myself ( I know there isn't one!). I used one of the standard letters which is on the site. I also enclosed a postal order for £1. Anyway, I received a letter back from Debt Managers Ltd dated 8..2.08, stating that they had requested a copy of the signed agreement and will revert to me once this is to hand. The recorded delivery letter was signed for on 7.2.08. I know that they should be supplying the "signed contract" within 12 working days. Can you tell me please when the 12 working days would be up? Presumably they are in default now - 26/2/08? What should my next action be? Do I wait for the 30 days and send the other standard letter that I found on your website? Thank you for any advice that anybody can give me.