Thanks guys will start the ball rolling with what you have told me, horrible company if i knew then what i know now would never have used them

It was opened in 2006 and no was not applied for online, i am sure i did it over the phone - i am starting to get really worried about all this

I took out a catalouge with above company and got into financial trouble after a relationship breakdown, the debt was passed to NDR anf i have been having nothing but problems, they keep charging me £12 for late payments as i am supposed to pay them every 28 days but can't afford to as i only get paid once a month, they have upped my payments 3 times since i have made the agreements with them, they are unhelpful and i constantly get told different things every time i phone them. I am 100% sure i never signed a credit agreement with Littlewoods or as NDR have now said a consolidated loan i haven't signed anything. I only owe about £300 but they are threatening me with all kinds of stuff like debt collection and bad credit. Please help i don't know what else to do

Ok thanks

I have today posted my L.B.A letter to the Halifax, what do i do now if they don't comply after the 14 days??? :? Would really appriciate any help i'm a bit stuck Thanks for everyone's advice and help so far, i can't believe they have taken over £1200 off of me, i'm starting to get nervous and keep thinking somethings going to go wrong, this is the first time i have ever done anything like this and it is scarey asking for the money back even though it's mine. Thanks again for setting up such a great site

Someone help i don't know where to go from now I looked through the other threads and this doesn't appear to have happened to anyone else.

Yes i can, but what is worrying me is does the 40 days still stand from when i originally sent the DPA letter as now it is my fault that it's being delayed!!!! Where do i stand???

I handed my Data Protection Act letter in personally to my halifax branch in Clifton, Bristol with the statatory fee of £10. This was done on the 28th June (the day i got paid!!) i haven't heard a thing from the Halifax no acknowledgement letter or anything. Obviously now nearly 3 weeks on funds are tight and i am £28 overdrawn on my account (Due to halifax charging me yet another £39 for a failed dd) bearing in mind i haven't got an otherdraft facility on my account this is the reason why i got it. Imagine my horror this morning when i received a letter from the Halifax stating the cheque i had wrote them for £10 which is obviously the amount for providing the information i requested had bounced and i was being charged another £39. What do i do now?????? Somebody help please :???:

I had exactly the same problem with Crap one they gave me a card and then banged loads of charges on for going over my credit limit then charged me again cause i couldn't clear the charges, i had £200 on my card i now owe them nearly £1000 and it's all charges how the hell are you supposed to be able to pay it back???????? I think they on purposely target certain people

Hi Everybody, Just going through all the threads and i also have a crapital one card, i'm currently starting the ball rolling to claim back all my charges from the Halicrap (aka the Halifax). It's good to see that i can also claim from Capital One as they have well and truely sitched me up over the last couple of years Thanks so much for such a great site and congratulations to all those who have managed to get their money back so far, i'm really scared about doing this but why should they keep my hard earned cash!!!

Hi Michelle, Could you let me know how you get on with the Halifax as i am just starting to try and retrive all the charges i have had through the halifax Best of luck :grin:

Please can you tell me how you got on with your claim against the Halifax, as i am just starting the ball rolling in my claim:-)