I will be sending my CCA and Subject Access Request letters early tomorrow morning and was just wondering what happens after that...and what would be the next stage...and is there anything else i am required to do. Thankyou.

ok will do that 2moro morning as i forgot the details.....i must have left them on the side. what would be the next stage so i cn be prepared?

I write on them do i, or do the cashiers at the post office? sorry i dont use the post office much so never sent a postal order b4... n do i tell them the amounts? once i receive what im asking for....what would be the next stage?

I get that but do i wait for lowell to respond before sending subject request or do i sent them off, obviously to separate palces but at the same time.... n do i uncross or cross postal cheques?

what do i do after that? i will send it off today....do i wait for a reply from the CCA before i send for the Access Request or can i send them off together by recorded delivery?

Hey, thanks for the speedy response. Yes i received a few default notices from Littlewoods and then they sold my debt to Lowell...i have a lot of charges but dont know how to reclaim them as i have no evidence of it... I get phone calls regularly but the only way to make a payment is over the phone so do i pay the 60 in arrears, but by doing this i will be seriously short as i only received 95 a fortnight... or do i tell them i wanna pay less..?

Hi I was also receiving those letters and calls at one point...... i was struggling to make payments and eventually called the barclaycard number, spoke to a liverpudlian guy called Rob in which he put me on a repayment plan of 15 a month for 10 months and also reduced interest...my interest was reduced by 90%. Send the letters of harassing phone calls sure...but i would suggest calling barclaycard as they may be able to actually help!

Hi I had an account with littlewoods and my total debt now due to extra charges and interest is now just under £600.. I have been receiving phone calls every day for the past few months reguarding the amount, in which i was told that my only option for repyament was 6 months at £100, or 3 months at £200. I later found that as long as i offer to pay an amount no matter how small...they can no longer take me to court, or send debt collectors around...im not too sure if that information is correct. I then sent a letter to them in March to say that im on benefit blah blah and asked them if they would receive a payment of 20 a month. I never hard a thing until i had a voice message on my phone saying that my account was £60 in arrears but i couldnt figure it out, So i called them, to which i was told that my offer of repayment was accepted and that a letter was sent to me. i told them that i never actually received that letter...and the womans tone of voice was not very nice afterards when she told me sternly that a letter had been sent out.....which i replied with the fact that im not denying that they sent a letter, just that i had never received it! I now can not afford to pay the 60 in arrears so what shall i do now