I bought my xbox from toys r us months ago, never placing an order with littlewoods/great universal ever again... Just wondered more from a legal perspective if I could do anything...

6 Months ago I tried to purchase a xbox360 from littlewoods (great universal) after a shambles of a order, failed deliveries, no cards left from courier the xbox360 was returned to sender and the order cancelled... Or so I thought! The day before yesterday I get a letter from a debt recovery company saying I owe over £300 etc, I phone them and find out who its from etc and they confirm a default has been left on my account! To cut a long story short I have contacted littlewoods who have confirmed this is a mistake, told me to write a letter and the default will be removed etc. What id like is some advice on what to do now? quickest way to get this resolved and also id I can take any legal action against littlewoods and get compensation for the stress and damage to my credit score etc... Thanks...

Accidentally went over drawn while on holiday and natwest have given me 2 x £38 charges for a bounced chq and dd. Would like to just get this resolved in the branch but would like to know the best way to go about this? Is there anything online I can print which states these charges are to high etc? Any reply in the next 4 hours would be great as im going down the branch in my lunch! Thanks...

From looking back at older posts on here then yes...

Ignore my q1 have answered this myself my looking thru the forum! Doh!

I have recieved my statements today, few quick questions... 1. The main charges I see are for going over limit, which is a one time service charge, and a daily charge... Is this what I can claim back? 2. At what stage can you claim the 8% I thought initially you just had to ask for the total, and only include the 8% at court stage... But I have heard of people asking for the 8% straight away... After all, if they settle before the court letter your going to loose the 8% arnt you?

Sorted, sounds like a plan will get on the case tonight...

Is this letter not the one to send if u get offered a settlement after your 'Letter Before Action'? I have not got this far yet so the " My letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences" would be untrue as all I have sent is a "1. Data Protection Act, Subject Access Request letter - List of charges" and they came back with an offer which does not cover the full amount? Do I need to kind of combine these two letters now? "2. Letter - Preliminary approach for repayment." and "Rejection of settlement offer" as the best solution?

Thanks bong I dont believe the statement of charges I was sent detailed the interest the penalties had, so may be easier to just leave it out... Out of interest the penalties came to approx £650 and they offered me a £250 settlement, I take it im wise to carry on to this stage (2)?

Hi All, Right quick question, im at stage (2) of this Step-b-Step guide: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html I have recieved back a partial offer, which is less than half the amount of the charges detailed. So im now about to sent the PRELIM LETTER here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html But stuck on this part: "What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX ." or more specifically the "£XXXXX plus £XXX" now im asuming because im getting back charges from my credit card and not current account I just ignore the "plus £XXX which you have charged me in overdraft interest" because im not claiming back over draft interest? im just taking back the overlimit charges etc? I hope im clear anyway with what im asking!