Hi again guys, Ive had a dispute wih littlewoods now for about 6 months. Long story short, they have no CCA and the account is officially in dispute(letter confirming from littledwoods). Last month I posted on here to say that they have charged me for a missed payment and whether or not this was legal. Someone posted saying it is illegal and to contact trading stardards. I did this and they say littledwoods can keep charging me for missed payments but cannot enforce the debt. This to me doesn't sound right. Can anybody give me some advice on whats legal or not and what to do next? Thank you. NeilF

Hi again guys, Everything has been fine so far with littlewoods, got through 1 month without them hasseling me. Today i got a letter saying i have missed a minimum payment and they have charged me £12 for the pleasure. I was told tht they cannot charge me anything when my account is in dispute!? Is this true? What should I do? Thanks again. Neil

Thank you so much, really put my mind at ease! Neil.

Ok thanks. What happens when the debt collectors approach me? Should I just Ignore them? Thank you for your help. Neil

Hi guys got another problem, bit of advice please. I have been receiving letters from littlewoods saying they cannot find my cca, the account is now in default and that no further action will be taken. I was happy with this, but today I recieved a letter from them. (I haven't got a scanner so ill type out the gist.) " Default Noice Served under section 87(1) of the consumer act 1974. We refer to the above agreement which you have entered into with us. The payment clause of the agreement provides that you must make the required periodic payment in full by its due date. You are in breach of that clause because you have failed to make all of your periodic payments in full when due, and arrears amounting to £15.49 are outstanding. To remedy this breach the payment must be made by the 14th Sept 2009 IF THE ACTION REQUIRED BY THE NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT WILL BE TAKEN IN RESPECT OF THIS BREACH. IF YOU DO NOT TAKE ANY ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE IS SHOWN THEN FURTHER ACTION IS SET OUT BELOW. If you have any problems paying this you can apply to the court for surety more time" Bassically they a bunch of money on to get it to £122.27 I then open another letter from the same day. Same letter just with £540.57 to pay and a penelty of £1130.45 if not paid. I thought once the account was in dispute they cannot do anything to me unless its in the court. I dont want to go to court, I just wanted them off my back for a while untill I can make a final payment in a year or so. What can i do!!!??? Please Help.

Thanks for the reply, sent the letter first class yesterday, got a phone call from them this afternoon, very quick now they now im not messing around. Thank you so much for your help, saved me a lot of hassle. Neil.

Hi, Last Thursday my girlfriend bought a dressing table from the website - www.furnituredealuk.net/ We paid direct debit with a maestro card securely via secpay. But after the purchase she realised that the delivery time is was too long. So she emailed to cancel the order and they said they would process the refund. Its been 5 days and ive not heard anything and they are not responding to the 3 emails ive sent them. Sec pay are saying they cant do anything about it. I did some research on the website and it seems they do this a lot! Anyone got any ideas on what to do next? Ive look around the web for help but hit a brick wall. Hope someone can help with this. Thanks Neil. [/url]

Thank you all, i really appreciate all the help, you've put my mind at ease. For the mean time I think I'm just going to wait to see what littlewoods has to say if anything. If i can get a reduced settlement some time down the line when i have a little more available cash, that will be the best option. Thank you again. Neil

Thanks for the replies. Thats pretty much what I suspected. I cant really afford a final payment, might just have to live with the default. Any advice from anyone on how badly this will affect my chances of getting credit or a mortgage would be appreciated. Thanks again guys. Neil.

Hi, I understand that this question has been asked quite a few times but my worry has not really been addressed and I'm hoping for a definate answer. Ive had a littlewoods account since 2005. I'm a student and could not find work during the summer holidays. I tried to ring up littlewoods 3 times but each time got a nasty woman reluctant to hear me out and kept repeating to me that I had to make the minimum payment of £570 by such a date. My balance is only £1300 so i was shocked to find it so high. After reading in these forums I sent off for a cca, got a reply yesterday saying they 'could not find it but heres a copy of our latest terms' and I have today responded with the account in dispute letter. Ok my question is, now that im refusing to pay the debt, what laws are there stopping them from reporting the debt to credit agencies for 6 years(or however long they do it) I am going to be leaving uni next year and was maybe hoping to get a morgage or at least try to in the next few years. I dont want the blemish on my record. What are the chances that this will affect my credit score drastically? I hope this make sense and someone can help. Thanks Neil.