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  1. Hi All I was hoping for some help with this credit agreement that was sent over from Capquest in reply to my CCA request. It's a shop Direct agreement and to my eyes it appears to have all the ingredients of an enforceable agreement. There is no actual signature but my name and date is printed in the signature line, there are terms and conditions along with a date. The debt will slip off my Credit file on the 27th August 2019. If it is unenforceable I am inclined just to leave it and let it fall off my file in 2 years. However if it is enforceable I would li
  2. Good morning all Have been an avid reader of CAG for some time. I currently have an alleged debt with shop direct which is being dealt with by Lowells. The debt is for £2k+ I have read the guides and templates available and sent a CCA request to Lowell's in November. I finally received 2 signed documents. You can see on one document the key financial info is set at £36. The other document Is signed and the account number is the same as the first document. Note that the dates are different so the documents were not signed together. Any help or pointers would b
  3. Hi, I've been corresponding with Lowell, who have bought a debt that I had with Shop Direct. They have sent me the following documents which I have uploaded as a PDF. Is this enforceable? Many thanks. Edited DocPDF.pdf
  4. As a landlord I am continuously surprised at what tenants will allow them selves to be conned into, this tale hurts my sense of fair play to tenants and I hope you guys can help. My friend is the 4th tenant T4, in a shared flat above a shop in south London (shop also owned by LL). It seems to be on individual contracts. The LL assigned my friend T4 with the responsibility of paying the metered supply water bill to the water company (lets call them WC as I am not sure who they are as yet). She calls WC and they arrange 1/4ly DD of £300. Although they did not change the name on the b
  5. This is a thread to contain my payday loans, my original one is here: HERE Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them. Wonga Quickquid Payday express Mr lender Myjar The money shop The cheque centre To name but a few, there are probably more but it really hurts my head when i try and think back. I am not being chased for any of the above debts at the moment, and
  6. Hi all, I received a letter today from BWLegal in relation to a debt of £704.80 original debt was with The Money Shop, payday loan of just over £100.00. The debt is due to be made SB in March. The letter is threatening to take me to court and place a CCJ on my credit file. I have typed the below letter and would appreciate any feedback you could give. This will be the first letter they have received from me, I have not made any contact with them previously. I have also typed out the content of the letter I received from them today. 16th January 2019 CCA Request removed pl
  7. Hi all, A query regarding very online shopping, hopefully someone can confirm my question. I purchased an item from very on the 18th of october 2017 on a 12 months buy now pay later basis. According to very the full balance was due on the 21st september 2018, i have missed this by 2 days (paid on the 23rd sept) and i have been charged the bnpl interest,very are not willing to refund the interest. I was just wondering whether very have the correct payment due date? It doesnt seem right to me, very work on 28 day statement basis. Can someone who has been in
  8. Hi there. My husband is trying to claim ppi from Littlewoods/shop direct. He has received a letter from then saying he did have ppi with cover plus. Start date was in 1994. It was fully paid. The thing is, they have enclosed a claim form from the FOS. Why would they do this? Many thanks
  9. Hi All, Looking for some advice and guidance please. I had two accounts littlewoods and very, both had payment protection on them. I run the accounts fine for years and then got into a bad patch financially and couldn't afford to pay them, it didn't help that I was being paid monthly and the statements were 4 weekly. Shop Direct sold the debt to Lowell, I now have a CCJ for the one account. But they piled on a load of charges and interest before they sold the debt to Lowell, and what was a £2k debt between two accounts is now a £3.7k debt. Any advice with this?
  10. just had a letter from my current Gas/Electricity suppliers EBICO, saying that because Government will introduce a price cap on variable/default tariffs from end of 2018, that my current ZERO tariff (no standing charge) will come to an end. This will mean for my supply, that I will see an increase of about £100 a year. EBICO say that because of the Goverment price cap, the current tariff they provide to me, will become commercially unsustainable. I have done a few calculations and if I switch suppliers, I can limit the increase to about £50 a year, moving to a supplier that does no
  11. hi everyone, I'm looking for my advice i have a shop food which has been open a little over 7 months and i have just seen my landlord is stealing my electric for the flats he is doing up. upstairs which is a full on building site and the wire coming out my meter is a very big thick one so i know hes running alot of juice i have no idea how long this has been going on but it looks like its been done very dangerously and a real bodge it job ive sent videos and pictures to 3 electricians i know which say he is for sure stealing my electric. Now i have no idea how long this has been goi
  12. Morning everyone Received letter from Shop Direct on 28th March to say they sold my Very account to them. Shop Direct is still showing on my credit file. Could anyone advise who I should SAR? Thanks so much
  13. Hello, I bought an ankle brace online and it doesn't fit well at all, so I would like to return it, but I've just seen that the company charges a 15% restocking fee on returned goods. The item was bought about 3 weeks ago. I was just wondering if they're allowed to do this seeing as I haven't diminished the value of the item. Thanks in advance for your help!
  14. My wife has been employed by the local pub owner who took on the lease of the village shop three years ago. My wife was employed from the outset to work in the shop. Since day one she has consistently worked over 28 hours a week at a rate above the NMW. She has been paying tax, NI, pension etc and has received holiday pay. However, she was never given a contract of employment. The pub owner has now bought the land that the shop is on, and plans to demolish it and build houses on the land, meaning the shop will close. He is however going to open a small "shop" within the pub to sell e
  15. Online retail giant Shop Direct is to close three distribution centres putting almost 2,000 jobs at risk. The company – which owns Littlewoods and Very.co.uk – is to close sites in Shaw, Little Hulton and Raven, all in Greater Manchester, from mid-2020 onwards. It said it plans to build a new warehouse in the East Midlands employing 500 people, but that redundancies were likely. https://uk.yahoo.com/finance/news/2000-jobs-risk-littlewoods-owner-shop-direct-shuts-three-warehouses-135202471.html
  16. A long story! My brother was accosted whilst in a Morrison’s supermarket & accused of shoplifting,on 12th March 2018 (since this, I witnessed at least 4 people doing the same thing as my brother) We made an in store complaint in a record book as no manager present, I then complained via their website & email & also to the Liverpool Echo over his treatment as my brother is a very ill man due to pancreatic cancer, Morrison’s supermarkets Plc have stated to a reporter with the Liverpool Echo " They have said that your brother is a known shoplifter to the store and on th
  17. Hi all Apologies if this isn't right as i'm new to the forum as i'm looking for some advice. I saw that others have had a similar experience to me and was hoping you could help me too. Last week I had a Sheriff Officer at my door who in the end put the form through in regards to the Simple Procedure Claim relating to a debt from 2012. This got me concerned which led me to do a bit of searching on the internet for advice. The debt came from a time when I took on far to much and in the end couldn't afford to make payments. Yep, it was a stupid decision and one i've
  18. I recently bought (January 18th 2018) an ex display sewing machine for £1499.00 (advertised on their website that ALL of their ex display machines are serviced before going out to customers) first off the lady on the phone told me that they do not post out on Saturdays and it would cost £20 for delivery, as this was on a Thursday I failed to see the relevance. The machine was posted out via courier (Parcel Force) and arrived on January 20th. I set the machine up (Husqvarna Topaz 50) downloaded the complementary software from the Husqvarna site and prepared to sew by connecting t
  19. Hi I received a letter in March 17 from Lowell chasing a Shop Direct debt for £179.73. I wrote back to them that I did not acknowledge this debt and requested a copy of the CCA so that I could see what this was for. Letter sent May 2017. I never heard back I chased in June 2017 saying they had exceeded the statutory time etc and to remove any detrimental evidence on my credit reports. I received a letter from them shortly after to say that they have been unable to obtain a copy of the CCA and put the balance at zero on the letter. "as we have been unable to prov
  20. Hi, Very new to this forum although I have read many a post... I was unfortunate enough to receive a claim form from Restons Solicitors for and alleged debt owed to Capquest for a shop direct account. After reading many a good post I acknowledged the claim on the MCOL site with defend all.. CCA request sent to Capquest via signed for service, its been received but to date no response. CPR 31.14 sent to Restons on 05/12/2016 again via signed for service, received on the 6th December 2016 and signed for. Today I have received a response from Restons and it reads as follows.
  21. Hi guys I've not had to deal with anything like this so i just want to make sure nothing has changed. I received a Court Claim Form for what I'm guessing is a old catalogue debt. Claimant: Lowell Portfolio LTD The POC says: 1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Shop Direct under account reference ******** (‘the Agreement’). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to Claimant on 22/11/2012 and notice giv
  22. Hi My son has recently applied for a mortgage and has been turned down due to a default on his file which originally was Shop Direct which then defaulted and was sold to Lowell. The amount was £371 and was paid off in full to Lowell in Oct 2013. It is due to drop off his file in August 18. I am trying to help him get this removed because I have read somewhere that usually if debts like these are passed to Lowell they are in some way unenforceable by the legal route. Can anyone tell me who would I SAR so I can start digging to see if I can find anything and what would I
  23. I reserved a ring in a jewellers shop and paid a deposit. I was paying some instalments but then became poorly and am now not in a financial position to finish paying. A couple of years has passed by. I contacted the retailer [small, local shop] who said they have sold the ring and I can't have my money back. They'll deduct 20% from what I have paid so far and let me choose something from the shop. Where do I stand?
  24. Hi. My father in law was shopping last Wednesday in Manchester City Centre and visited a book store. He was with his wife. They are both in their late 70's. During the visit, then went down 3 flights of stairs in store to the book section, but after the 3 flights of stairs, there were 2 steps that you couldn't see. My FIL fell and as he was going down, he tried to grab a stand and cut his hand open. He also smashed his face into the floor and was bleeding heavily from his nose. Staff came to help and my MIL was furious about no signs for the 2 small steps, and the staff were
  25. hi, today received a county court claim form for the amount of £467.76. claimant capquest investments limited. restons solicitors limited. total amount 552.76. doesn't say which catalogue just shop direct. what are my next steps? no doubt that i had catalogues with shop direct. if it goes to court they will find i have zero disposable income. thanks for any advice.
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