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  1. Hi i am brand new to this forum, i have a question, i began purchasing goods from fashion world about 3yrs ago, also Littlewoods & very.co.uk, however i have noticed that my minimum payments seem to be going up, yet i pay regular upon looking close, there are so many credit charges that vary and late fees of £12, no wonder it keeps rocketing have i entered into a written agreement with them, i found this on fashion worlds website If we enter a credit agreement with you, we will also supply details of your agreement with us to the credit reference agencies, as well as ongoing details of your account and how you manage it. If you do not repay on time or in full, we will tell the credit reference agencies who will record details of the debt. All this information will be seen by other organisations carrying out later searches. Information held about you by the credit reference agencies may already be linked to records relating to those with whom you are financially linked. For the purposes of credit searching you may be treated as financially linked and you will be assessed with reference to any 'associated' records. We may make periodic searches of our records, credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding credit, including whether to make credit available or to continue to extend existing credit. These searches will not be available to other lenders for credit assessment purposes. You will have the right to access your personal records held by credit and fraud agencies. We will supply their name and addresses upon request to Data Protection Compliance Officer at Griffin House, 40 Lever Street, Manchester M60 6ES. We, the credit reference agencies and fraud prevention agencies may also use the records for statistical analysis about credit, insurance and fraud It starts by saying IF we enter into a credit agreement, does that mean i have or not? i have not put my signature to anything so far from any catalogue, sorry but i don't understand whether i am in or out and it worries me, can they charge these ridiculous charges all the time?
  2. Hi all, I have 6 catalogue accounts in total. My total payments on them are £289.00 per month. I could make this payment fine when I was working, but I was made redundant just over a year ago and have struggled for the past year. I am getting to the point where I can't keep paying them. A few months ago, I phoned the largest payment catalogue and asked to reduce my payments. The lady I spoke to said if I made reduced payments on one, then all the accounts would be affected. So I struggled on. I would ideally like to reduce the payments to £100 a month, but don't know what the first step is.
  3. Hi Everyone I have a question to ask I have been unemployed since February 2007 due to serious monopolar depression. I am claiming IB, DLD (Middle rate care, lower mobility), Housing and council tax benefit I opened an account (Feb 2009 - still active) with what was originally GUS which then became K&Co to buy xmas presents and the odd household item. I still have an active account with them. I was looking through some statements and noticed large amounts of money I paid every month was being allocated to shopping insurance, which i'm sure is some form of ppi. This peaked my interest so i sent a subject access request to K&co and asked for all documentation regarding my account, when that arrived i set up a spreadsheet and calculated that over 57 statements i have paid over £1200 in shopping insurance payments. I decided to download the complaint form from the FOS website. i filled it in and included a copy of the spreadsheet calculations along with proof of my unemployment status and proof of my benefits from when they started to the present day. I just telephoned the company to ask where to send the info and complaint form and also ask if i could email them as i had scanned everything that i was sending to them, the guy I was speaking to said he would pass me over to the insurance section. A young lady then came on the line and said that there was no point in sending the forms because i was over the cooling period (30 Days) and although i am unemployed i still qualified for some of the insurance benefits i.e. hospitalisation, carers and merchandise. There was a bit of back and forth and i kept getting the same answer she said the insurance was optional and could be cancelled at anytime. I was told upon opening the account two documents are sent to my email address one of which concerns shopping insurance and if they don't bounce back they write to you with copies of the form for you to sign. As my email didn't bounce back she said after 30 days it is added to your account as a matter of course. She said she would inform their complaints section and i should hear from them in writing within five days and then she proceed to cancel my shopping insurance. I have a £7500 spending limit with a current balance of £1,936.97 most of which is made up of buy now pay later items (£1,387.21) which i pay an extra £100 a month on top of my direct debit. I have never missed a payment and never been in arrears. My question is this, was the young lady correct saying i don't have a claim for repayment? Or is this just a basic tactic they use to fob you off? What are my options? Any help would be greatly appreciated Thanks in advance Matt Smyth
  4. Im just looking for some advice as I have a bad credit rating. In 2008 somebody on this forum said, if you buy something from any of the JD Williams catalogs and pay it off in full when the statement comes in they will keep on putting 0's on your credit rating indefinitely without having to make another purchase. Is this correct? If so I think it will be a very good easy way to improve my rating. Thanks in advance to all you helpful people.
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