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  1. Hi, so I really don't know what my options are (if any) In 2014, when I was 18 my mum asked if she could open a catalogue in my name... I agreed as she told me it would help build up my credit rating. I specifically told her not to get in debt with it.... I had thought she'd stopped using it after that year. Background: My mother has C-PTSD and due to this is absolutely appalling at handling money- sadly for me I've only just realised how big an issue it is as she always seemed like she was dealing with any debts she has. She is not receiving any help with this at all as any health
  2. And here's another one. Name of the Claimant - Lowell Portfolio I LTD Date of issue – 16 JUL 2018 Date to acknowledge) = 03/08 Date to submit defence = 17/08 Particulars of Claim 1) The Defendant opened a Simply Be Regulated consumer credit account under reference xxxx on 10/02/2015 ('the agreement').xxxx 2) In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated. 3). The Agreement was later assigned to the Claimant on 12/01/2017 and written notice was given to the Defendant. 4) Despite repe
  3. Is it possible to reclaim catalogue fees from Littlewoods/Very on accounts over 8 years old now and have subsequently been sold to DCAs? i would like to know if its likely to be successful.... so i can get some money back and use it to pay off some other debts If so i understand i send them a subject access request but i havent' got a clue what the account numbers were etc? any way around this? what do i do?
  4. Hi there, I wonder if anyone can help me with a small problem I have a littlewoods catalogue that i have had for a few years, Me and my wife only use it when they have a sale on or send us discount vouchers, We usually pay it off fully before the payment date The latest balance was £25 and i meant to pay it in time but forgot I suddenly remembered it today and logged in to find it should have been paid Friday, I have cleared it today with a card payment online and now it shows 0 balance Though it is the 13th today it actually shows payment made on the 12th which will be 1
  5. Hi I have received a county court claim form from Lowells for an old catalogue debt of £186 and I dont know the first thing to do , can anyone help me please? I cant even remember having the catalogue they say its from December 2011
  6. I need help/assistance regarding a Simple Procedure claim that was posted through my door on Thursday 5th October by Sheriff Officers. The claim by Capquest/Shoosmith is regarding a catalogue debt which I believe should be statute barred as the date that a default was issued was 10/07/2012. I suffer from a long term illness and also depression and around that time was in and out of hospital frequently and for one reason or another, ignored the debt! Capquest/Shoosmith are now pushing to recover the debt which was initially owed to shop direct for the sum of £449.37. As I rely
  7. I am helping a relative with a claim that has come through MCOL. After requesting documents, we have finally been sent the Claimant's Witness Statement which includes a schedule with some further information. I want to get a supplementary witness statement prepared plus a skeleton argument. I saw one thread that seems to cover the situation http://www.consumeractiongroup.co.uk/forum/showthread.php?443519-Lowell-claim-form-old-shop-direct-CAT-debt-***Claim-Dismissed*** However the links to the relevant documents are not working and I have seen some mention of the do
  8. Hi My husband has had an account with JD Williams for the past 6 years, 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month which we have paid religiously ever since. Last week he received a letter saying the account had been sold to Lowell and that all payments should now be made to them. I have no issue doing that but they have now started calling our landline (my hubby works nights so we could do without that really!) and we don't want to start being harassed when everything's been fine for 4 years. Is there anyt
  9. Hello for the first time ever i recently checked my credit file. All seems pretty good except that four 1/2 years ago someone obtained a CCJ for a catalogue debt (that is not in my name) at the address i lived six years ago I was not living at the address at the time so was unable to submit a defence. They would not have had a signed credit agreement I am concerned as recently i have received phone calls from Capquest asking me to contact them urgently. if their inquiry is in relation to the above how should i proceed? Thank you.
  10. Hello, I hope I can get some advice please. I seen an offer on Littlewoods website for 20% cash back on all laptops , I said to order and select buy now pay later at check out and that 20% credit would be applied to acc, I did not have to enter any codes at all. Recd laptop but no credit to acc after 3weeks I called them today and was told that i ordered on 4th june and offer ended end may! This offer was on the website and i followed instructions for the offer. Can you tell me where I stand as seems they are not going to honour the offer. I have no proof as didnt
  11. Hi guys I have an old Kays catalogue 2010 that is on my credit report and has had a CCJ applied 2014. I took the catalogue on from my mum originally but never signed an agreement. I then ended up moving house twice and knew nothing about the CCJ until now. What do i do? I could either get the ccj put aside which i think i have to do a n224 form for and comes with a fee. Question will i have to go to court to set it aside as im a nervous wreck. My other option would be to challenge the debt because its not signed. I dont have a credit
  12. Please can you help me? My sister bought my son a Play Station 4 (PS4) games console complete with 2 games from Very Catalogue of which she is a customer. She bought the PS4 April 24th 2015 to give to him on his birthday June 9th 2015.She kept the present unopened at her home and gave it to my son on his birthday. Unfortunately on opening the PS4 and setting it up, the PS4 is faulty and does not work so we would like to return it. My sister contacted Very so that she could return it to them but was told,that because the PS4 is out of the 28 day guarantee period that we must send it back t
  13. Hello I have a very account, due to financial difficulties I fall behind on the payments and then stopped making payments ( I know, not smart) I have decided that its time to face my debt and I can see the debt on my credit report as "default". I don't want this effecting my credit rating I want to pay the debt of £382 (with a reasonable price plan £10.00 per month). I recently received a call from First Credit Ltd, I told them that I won't speak to them via phone only via written correspondence. I believe I will start receiving their letters very soon. I have logged on
  14. I have been having problems paying a mail order catalogue for a few months now, due to being diagnosed with a incurable lifelong illness and being on steroid medication etc haven't been working as much as I would like, hoping to be in remission one day! I contacted littlewoods saying I was having problems and instead of the £100 I normally pay they would let me pay £50 for two months which I did, then as soon as the two months were up they went back to continually phoning and sending letters, I've written asking them to let me have reduced payments for 6 months but seem
  15. I have a Very mail order catalogue for many many years, have a huge credit limit and only every owe it £100 - £150 at a time at most. Maybe a couple of day late payments but NEVER been in default, never not paid etc etc. can they just send me a letter increasing the general interest rate from 14% to 26% a nd make it apply to the amount I have outstanding. I thought it would be on future orders but it appears it's on everything I owe. Can they just randomly put the rate up? I didn't order goods at 26% can they legally just effectively charg
  16. Dear fellow members, Some advice on the following saga, which has been going on for years, would be appreciated. I'll try and keep the explanation as short as possible. In 2011, I deposited a cheque into my NW account. A few days later, it appeared to have cleared because I had available funds showing in my account, so I withdrew some money. The day after I withdrew money, the cheque bounced, which left my account significantly over my overdraft limit. I speak with Collections and suggest that we speak again in a month's time, by which time, I'd have done some figures and wor
  17. Contacted Stepchange, considering DMP, afraid of Shop Direct etc continuing to add on interest and late fees, have been charged hundreds over last few years, if I can get any back that would help. DEBTS: VISA 5300 no missed payments ISME 1600 (570 in arrears, not making min payments at moment) FIFTY PLUS 440 (100 arrears) KandCo 60 CAP ONE 200 CAP ONE 190 TSB 500 CO-OP 400 Income 1150 mthly. Basic outgoings 900, min payments 320. Am thinking of paring food, etc right down to £25 week just to try to get rid of the catalogue debts. They are already phoning every hour or
  18. I ordered a pair of Ladies Lt. Grey Norvel trousers among a 3 item order with 'Gift of grey wool skin coat' 6th Dec. 2013 which arrived soon after, other items fine but Norvel trousers were in packing labelled Lt. Grey but trousers inside were Beige I emailed the Support section immediately also including my landline number but no reply, I also phoned their Expensive 0871 number and informed that I was returning this item, which cost Me £2.60 post and because I was returning on 19th Dec and wanting to avoid Xmas parcels for Exchange of item I re-ordered (big mistake - I hadn't secretly mark
  19. hi first time post.Dont know if it is valid,but is it common for Very to up its prices by !00s of pounds? To give an examplewe were going to order an american fridge,we saw it in currys for the same price, £699, we put it in our basket, and left it there, when we came back later it had changed to £959......i emailed them but they sent back a standard email saying it was a rare pricing error, i know for a fact it had been like that for a few months, and now they are annoying me with the fact they can shunt prices up...to quote them it was a rare occasion,but i know for a fact they have don
  20. Hi Really need some help on claiming the PPI back from Shop Direct on 3 different accounts along with charges. Went through few links available here but not very clear on what exactly to do. Can someone guide me through the steps in going ahead with the claim pls? Many thanks in advance
  21. Does anyone know if I can reclaim the service charges that Studio keep applying to my account? I make a payment every month and my account isnt getting paid off because they keep applying service charges!! frustrating is not the word! Thanks
  22. Hello everyone, Need some help and advice, I have come to financial difficulties long story, I am claiming Income Support under ill health. I have two debts with two catalogues one is Woolworths and the other is Very, I duly rang them both and told them of my financial difficulties telling them I can no longer pay the monthly amount on my statements, I've told them to cancel my credit with them but they will not and of course in mean time they are charging me interest and late payment charges which is making the debt worse. I need help on how I can
  23. Hi, I desperately need help in regards to some catalogue account problems that are really affecting my credit score. I will start with saying that I have recently (end of Feb) been diagnosed as suffering from bipolar disorder and this is the reason for my current problems. I had bad credit from 4 years ago that I had dealt with and had repayment plans for and had never missed a payment since these were set up . Back in November of 2012 I opened accounts with both Freemans and Fashion World and made all payments on time and had no problems up until October of 2013.
  24. http://www.credittoday.co.uk/article/15150/online-news/debt-buyers-snap-up-securitised-loans
  25. Hi I hope you can help me? I really don't know where to start. I have recently split up with my partner of 20 year. We had to sell our large detatched house and go our separate ways. Fortunately i was lucky enough to get enough money from the sale of our house to buy my own little house for me and my son. I am currently unemployed and i suffer from anxiety and stress, i do get some help for my son from my ex. But, i am struggling now to make ends meet and to top it all off, in the next month my catalogue Buy now pay later purchases will come into affect. I currently owe over £3
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