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afaz

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About afaz

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  1. Thanks Hitchy, I'm hoping this will happen (as without a valid CCA, what can they do?). However, after reading through the other threads I believe that - despite this - Littlewoods will still apply a default to my credit reports which will impair my credit rating for some years. Also some have reported that after LW send the letter explaining they will not pursue the debt, they pass the debt on to a DCA. Yes, this is *illegal* (I think) but LW seem to believe they are a power in their own right. BTW, hope this does not happen to you! I'm preparing myself for what could happen in mon
  2. Thank you for your advice, The Shadow. I spent much of yesterday delving though the Littlewoods threads. It seems this must be the worst company in history as regards customer service! I did discover that dpick had been able to get his defaults removed afte complaining to the FOS about LW (still processing data after no CCA could be produced). I've yet to receive my credit reports, but suspect LW have already added a default. This is what I wanted to avoid as aside from this I'll be debt free within 18 months. I'll certainly ty the FOS route to see if I can stop the data processing, and
  3. It's now been more than 14 days since Littlewoods would have received my CCA request. I have not received any response to this at all (not even a blank application form). I think now I need to write a letter about my account being in dispute? I'll take a look at those sample letters to see if there is one I should send. Strangely enough the phone calls stopped within a day or two of my sending the CCA request. I did receive one letter from NDR explaining a £12 charge had been added to my account due to NDR's inability to contact me by telephone (which I believe is a lie, since the co
  4. Sorry to hear this is still happening to you. I'm not quite at this stage with LW yet (though they have begun calling me) so I can't offer much concrete advice. It's so annoying that LW don't sign for all recorded deliveries! You may want to consider adding "Recorded Delivery" to the top of any letters sent so that those reading them will be aware you have sent through this trackable system. I imagine those who read and deal with such letters will not be the same people who sign with the postman, so adding this to the head of letters may make them slightly more inclined to deal with your
  5. Thanks for the clarification, Surprise I'll wait and see what happens next.
  6. I posted my CCA request, plus a final letter offering a payment plan on Monday. In my letter I explained that I wish to be contacted only by letter in regard to this matter. On Monday at 9.01pm, my sister answered a call on my mobile from someone at Littlewoods asking to speak to me (I was in the shower, so she said I was unavailable). Again today, but I was driving and could not answer. Glad the calls were on my mobile. I have the facility to barr calls from specific numbers (and withheld numbers) and am exercising my right to screen callls Only two calls so far, but I'm curio
  7. Thanks for the advice, Surprise. I am being very cautious with Littlewoods. I doubt that they will be able to produce a true copy of the original signed agreement, but am being careful not to sign any letters I send. Just now I received a letter from NDR advising of proceedings against me. This is after my repeated letters, an email and telephone call offering a payment arrangement. It says I should call a particular number to arrange a payment arrangement (not likely!) and that proceedings will begin in seven days if I fail to make this arrangement or pay in full. I guess I'll be wr
  8. Just a quick update about the situation. I've just received a hue pile of papers from my subject access request (I wanted details of all charges in particular which have been applied to my account which I plan to claim back). This does not include a copy of my original CCA, neither blank nor signed. I did assume a copy should have been sent with my request for all details held about me. Perhaps this means there is not one on file..? In any case, I will be sending my request for CCA today. Now I have to wade through this huge pile to work out exactly how much I can make a claim
  9. Whoah, I was concerned that they may try to do this, but even so I am surprised it actually happened! I am 99% certain that I didn't sign the original credit agreement. My partner at the time received a catalogue at almost the same time (in his own name) and we were both encouraged to sign and return the agreement in return for their cashback scheme. My partner did (and received cashback for a time). I did not, and received no cashback. I believe I may still have my original (unsigned) copy lying around. I'd better go check! In any case, the only other thing I have signed is for receipt o
  10. Hello everyone, I've drafted up a letter for my CCA request based on the template letters, but I want to be sure I'm quoting the right sections of the Credit Act. Would someone please look over this to make sure all is in order before I send? Sorry if I'm being a pain. I want to make sure I do things properly! For Deathbycrayons: I'm writing up my final letter to offer payment now. Diddydicky on the other thread offered some useful advice (see here: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/188135-littlewoods-refusing-do-things-7.html#post2193562)
  11. For deathbycrayons: Thank you so much for your advice so far I did send my first letter recorded, but RM have been unable to supply me with proof of delivery. Second letter was sent regular post, but with proof of posting. I kept copies of all letters I have sent, and also have copies of the emails sent by me and received in reply from LW, plus notes of the phone call (name, what was said, etc). Will this be sufficient as proof of my correspondence? Today I'll send my request for CCA (thank you The Shadow for links to the template letter, I was unable to find this myself),
  12. I originally posted on another thread about my problems but was kindly advised to post a new thread for my particular problem. Over 2 months ago, I realized my finances were in danger, and that I'd be unable to meet the minimum payments on my Littlewoods account (and others). I organized all my finances, worked out what I could pay to who, and composed a statement of affairs. I sent out letters to all my creditors (including Littlewoods) explaining my situation and how much I could afford to pay. I began making these payments immediately (including to LW, who accepted these pay
  13. Many thanks, Deathbycrayons I have started a new thread here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/201509-littlewoods-will-not-accept.html#post2193500
  14. I was so glad to find this thread as I've been experiencing much the same issues with Littlewoods. Over 2 months ago, I realized my finances were in danger, and that I'd be unable to meet the minimum payments on my Littlewoods account (and others). I organized all my finances, worked out what I could pay to who, and composed a statement of affairs. I sent out letters to all my creditors (including Littlewoods) explaining my situation and how much I could afford to pay. I began making these payments immediately (including to LW, who accepted these payments to my account despite b
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