I recieved a letter and a CCA today from Littlewoods. The first line of the letter says. "Unfortunatley we are unable to locate a copy of an executed agreement, but for your information we enclose a copy of our current agreement which applied to this type of account. This version contractual variations which have taken place". It then goes on to list things like the date which my account opened and that I have agreed to make a regular payment every 28 days etc etc. The CCA itself doesn't have any signitures on it from myself or them, there are no dates on there etc so does that mean it isn't valid? Technically the account was in dispute 2 days ago if I go from when I sent the origional letter asking for my CCA and I have sent an account in dispute letter to Nationwide Debt Recovery who are trying to collect on LW behalf saying the Account is in Dispute. Should I send an account in dispute letter to Littlewoods now asking for a true copy of the aggreement again or can someone recommend a good plan of attack going forward

Cheers Jm. I am going forward with the LBA. When submitting the letter do I do so excluding the interest I added to the origional bank charges letter. ( I am claiming bank charges plus the interest) What is best to do at this stage?

I have not proceeded to the courts because I wouldn't know how to or where to start. Is the the next step???

The banks are funny. In march this year they acknowledged I was in financial hardship yet now I have had a partial payment to bring my account up to dat they won't admit that I am. Should I take it to the courts as the ombudsman have been far from helpful with this. Should I lodged a complaint with the small claims court.

Hello All. A little while back HSBC made a partial payment (refund) of bank charges. I wanted more and went to the ombudsman but now HSBC say they have been contacted by the ombudsman but said they won't be looking at my case until the decision of the test case as been finalised. I still want to proceed with this and want to know what to do next and I would also like advice on the best approach. Thanks in advance. Zorro

That'll do the trick BB. Thanks again.

cheers BB. Any ideas on a letter or a good template somwhere.

Hi All. I CCA'd littlewoods a couple of weeks ago and they haven't sent it ( probs becuase one doesn't exist) so I account in dispute them by defualt I put it in my initial letter. Then today I get a letter from NDR saying they are acting on behalf of LW to secure repayment of balance within 7 days. They have their usual rubbish in there - court proceeding etc and threaten to default my credit file (which I don't care about if im honest). Then the letter refers to me paying the arrears in full within 7 days. So are they asking for a payment for the arrears or a payment for the balance??? The letter says if I pay up in 7 days they will remove the additional charges and additional interest accumilated for paying late. Now I have no intention of making a payment to them but I thought Littlewoods could not pass on my info to a DCA whilst account is in dispute and I also thought they couldn't apply any other charges on there whilst they couldn't enforce the account. I just checked out NDR on companies house and they are not even suppose to be trading it says - Dormant????/ Any ideas what I should do or any recommendations on a really cool letter I can post to them. Thanks all.

Thanks for the info.

Thanks for your reply. What would happen if we rented a 3 bedroom house would that void any claims for LHA or would they pay up to the rate for a 2 bedroom?

Hello all. I really need some information about Local Housing Allowance. Does anyone know anything about it and the criteria you need to meet to be entitled to it. The thing is me and my flat mate have been looking at moving and we can't find anything on the usual council housing list so have decided it would be more practical to rent from a private landlord and that is why I need the info. My flat mate works, is a non-dependant and we only live together for financial reasons. I am unfit for work and on benefits and currently get council tax and housing benefits along with ESA. Thanks in advance for any help in regards to LHA. Kev

Just remember don't EVER speak to them over the phone i don't anymore and just look forward to putting their threatening letters in the bin. If they keep calling go here: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/99376-telephone-harassment-action-plan.html

Also if they don't have a CCA then they cannot enforce the debt so you haven't got to pay them a penny so I would cease to do so with immediate effect. You tried playing ball and they didn't help you out by the sound of things. If they keep ignoring your letters and keep harrassing you then you are going to have to get tough and contact your local trading standards I think (not 100% accurate on this) and with other authorities, maybe even the police if they are really stressing you out (not 999). Have a look on this site for who to complain to to get the best result's.

Stick this in a letter. Also I would print a copy of the letter containing the below info and leave it near your door and if someone comes around pass it through the letter box and say c'ya. Also if they ring don't speak to them and don't answer the security questions at the begining of the call. Say: "by letter only" and hang up. I sent them something similar to this: You have recently threatened the following to me in telephone conversations, which I might add were recorded, dated and noted in a diary; 1. Selling the debt to another collections company, 2. The threat of taking me to court, 3. Doorstep collections; and I must at this point strongly advise against you taking any of these actions against me as this account is in dispute and will be in dispute until you have resolved the issues surrounding this debt you say I owe to you. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

They probs don't have it. I have been warned myself about the carry on from barclays and their in house pond life mercers. If you are not happy with their response then send them another letter stating this. If they had the info then they would have sent it so there was no further confusion but if they are hiding something then they are probably hiding the fact they dont have your info. Tell them you didn't ask for a part of the CCA but a True Copy of your CCA. There may be other methods which some more experienced caggers may offer but from what I can gather and what I have read on here Barclaycard are impossible to deal with. I will be following your post with interest.

I cant disclose the hospital just yet Poppynurse. I know that journalists read this site and I don't want to start anything just yet. I will follow your lead about the above actions to take. thanks for all your help.

Your dead right about the training and the clown statement - someone rang me up from HSBC and said can I stop using public transport as this will save me money lolol.... I fell about laughing, is that the best they can come up with at HSBC. Why don't THEY stop taking unlawful charges of me in the first place... Big bunch of jokers and clowns. *Yeah i will see what they come back with. cheers castlebeast

thanks aa

I have read the bit above on your post PPI Some info for claimants bit and I don't feel I fit into the criteria. I wasn't mis-sold PPI it was just put on my account and I only found out about it recently when I started to look through my old statements. It ran for two years and then it stopped. They never told me about it. Would i still have a case under the conditions of re-claiming??/

Hows this - got it from this site. Dear Sir/Madam This letter is a formal request pursuant to s.77 (1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 (6) will apply. Your attention is drawn to ss.5 (2), 3(b), 6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request in compliance with the Consumer Credit Act 1974, you should confirm this in writing at the earliest opportunity, and certainly within the allowed statutory time limit for compliance, and return the fee. I look forward to hearing from you.

any ideas.

i will cca them then and see what they come up with. Anyone got a good template I could borrow that will get them to stand up and take note.

What is the link to the caggers thread - I will have a read of it is it pt by any chance as I am subbed to that anyway.

Sorry for multi posting but as anyone been in a similar situation or have any idea what i should do. Could I maybe send them CCA (which I know there will be none) or is it to late for that?

I am in a bit of a pickle at the moment with BC. I recently found out that I had PPI on my card for 2 years.... totally without my knowledge. This is a snippet from a question I asked in another thread of mine and one of the guys recommended I post it here. You can get the jist of what I am talking about.... Is it still classed as mis-selling when they do something 'Under the radar' in relation to PPI. Heres how I see it. They stole money off me for 2 years - someone noticed they were taking this money from me and then tried to cover it up. I also just noticed on one of my statements that one of the PPI payments pushed me over my credit limit leading to LOADS of charges (and interest on those charges). Surely this isnt right is it. Like I said I use to just get the letters and statements and stick them in a folder and becuase I used to earn a decent living I just didn't realise these things were there but now money is tight it has been brought to light. Wow I cannot belive this company. I cannot wait to see what they come up with for this. I sar them recently to see the info they have on me. Is it not criminal for them to just stick PPI on to my account notice it 2 years down the line and then brush it under the carpet. ANythoughts on this...