Catalogue debts

[wildheart83]

I'm not sure if i can CCA them yet as they're all still with the original creditors, allbeit within their collections department.

If they would let me clear the overdue balance without adding on charges and new monthly payments then it would be fine but each time i clear the overdue on one it's adding up on another one.

I'll SAR them this morning and see what they come back with

[wildheart83]

I can't CCA them yet as they're all still with the original creditors but as soon as they get passed to a DCA then i will.

 

In the meantime i'll SAR them and see what they send me, if anything!

Thanks for your help x

[wildheart83]

I'm not at the default stage (yet) but i'd rather get this sorted out before it gets that far!

I'm now in a position to fight back, thanks to this site

[wildheart83]

I've just looked at my accounts online with each catalogue and it's showing zero balance which obviously isn't right. Am i best to send a letter asking what's happening with each account rather than wait for the dreaded DCAs to get in touch?

[wildheart83]

Hi again, for some reason i'm having trouble replying to posts on here...

 

I've just looked at my accounts online with each catalogue and it's showing zero balance which obviously isn't right. Am i best to send a letter asking what's happening with each account rather than wait for the dreaded DCAs to get in touch?

[wildheart83]

..

[diskmandave]

Can I send 1 S.A.R - (Subject Access Request) form to cover all 3 accounts before it goes to DCA to see how much in charges i've paid? They keep charging me £12 per month on each account and i'm sure it's adding up.

If all 3 accounts are within the same group then yes. For the avoidance of any doubt make this very clear in your S.A.R - (Subject Access Request) letter.

 

Good luck, Dave.

[tooth_fairy]

Yes, absolutely, detail all your account number and as Dave has suggested, make the point very clear in your letter.

Keep us posted and good luck.

[scousepie]

My Wife has the same problem, I have sent them a CCA on all the account numbers and they have ignored all correspondences, all we gat is admin cost each month, Im waiting on the dead lines to pass so I can report them to TS...I don't hold my breath8)

 

they can do one if they cant reply. default my ass,,,,,

[wildheart83]

Well i sent off the SAR form this morning, but also got a letter from NDR ltd saying they are now dealing with the Great Universal account. Do i CCA them now or wait to get something back from the OC?

 

Thanks

[scousepie]

Well i sent off the S.A.R - (Subject Access Request) form this morning, but also got a letter from NDR ltd saying they are now dealing with the Great Universal account. Do i CCA them now or wait to get something back from the OC?

 

Thanks

 

NDR is the collections dept for a better name, these ppl are clowns and need to be reported for none compliance/harassments to the OFT, My wife received another £12.00 admin charge of them today.

 

She has three accounts with different account numbers so we sent them a CCA request on each of the accounts £3.00.

 

watch this space..

[wildheart83]

Good luck scousepie - seems we're both having a similar battle with these people.

[wildheart83]

I sent off the Harrassment by telephone letter to Littlewoods, also emailed them this and told them when they phoned that I wouldn't discuss anything over the phone. But still they keep phoning. NDR haven't sent anything else and Littlewoods are still hounding me for the arrears on the account, so i'm not sure what my next step is. I've not had my statements through that I asked for so it seems it's just a waiting game just now but I really want the phonecalls and voice texts to stop.

[wildheart83]

Well, just had a particularly nasty individual from Littlewoods on the phone despite me stating that I wouldn't discuss the matter on the phone. I refused to confirm my address or date of birth so she went to tell me why she was phoning and even told me how much the debt was for and how much I had offered to pay.

 

My question is where do I stand with this now? Obviously I am still waiting for my SAR to be fulfilled and have offered to pay £5 as it really is all i can afford right now, but I wish they would either stop phoning or pass the account to DCA now like Great Universal have done

[wildheart83]

Hi all.

I CCA'd both Littlewoods and NDR and SAR'd Littlewoods to see just how much they've added on in charges lately. Also sent the telephone harrassment letter but it seems they don't bother paying any attention to this.

 

Is my next step a complaint to my local trading standards, as well as theirs? They call every day and night, and despite me telling them that I will not discuss anything over the phone they try to carry on with their script.

 

Apart from the fact it's breaking DPA, and is harrassment, it's really starting to depress me and I don't need the hassle at this time of year, particularly when they phone when i'm not in and they are told the same thing every time they ring

[scousepie]

Hi all.

I CCA'd both Littlewoods and NDR and S.A.R - (Subject Access Request)'d Littlewoods to see just how much they've added on in charges lately. Also sent the telephone harrassment letter but it seems they don't bother paying any attention to this.

 

Is my next step a complaint to my local trading standards, as well as theirs? They call every day and night, and despite me telling them that I will not discuss anything over the phone they try to carry on with their script.

 

Apart from the fact it's breaking Data Protection Act, and is harrassment, it's really starting to depress me and I don't need the hassle at this time of year, particularly when they phone when i'm not in and they are told the same thing every time they ring

 

You have a few choices.

 

when they ring.

 

1, Give the phone to you child if you have one, that what a mate does at work.

 

2, play some lift music while you ask them to wait..

 

3, tell them that you are recording the conversation as evidence for you case with OFT.

 

4, change your phone number.

 

good luck.

 

Im in the process of passing my wifes cases on to the OFT.

[wildheart83]

Well the 12+2 working days for Littlewoods is up today, and i've had phonecalls every night this week. Unfortunately I don't have a small child, or the authority to change my number so i guess i'll have to tolerate it for the time being! I'm keeping a log of every time they ring, the time and date etc so once it builds up i'll take my complaint to TS

[pt2537]

I would be very surprised if you get any thing remotely enforceable from Littlewoods

 

just take a look at my thread that i have going with them http://www.consumeractiongroup.co.uk/forum/general-debt/93571-pt2537s-cca-request-against.html

 

good luck and let usknow if you get anything back from them

 

 

regards

paul

[wildheart83]

Thanks, I've been keeping up to date with your thread lately Paul, since this has been brewing since the summer when i changed jobs.

I have 3 accounts which are with Shop Direct (Littlewoods, Great Universal and Additions) so as well as CCAing Shop Direct I also did NDR as they have now taken over the G/Universal account but like you say, i've not had anything worth posting on here from them.

 

It's really just the phonecalls that are annoying me more with Littlewoods. I know I'm in a good position, and I'm not reminding them of their duties under CCA as they are well aware of them, but I really would like to make sure they stop the calls and voicetexts.

[scousepie]

Thanks, I've been keeping up to date with your thread lately Paul, since this has been brewing since the summer when i changed jobs.

I have 3 accounts which are with Shop Direct (Littlewoods, Great Universal and Additions) so as well as CCAing Shop Direct I also did NDR as they have now taken over the G/Universal account but like you say, i've not had anything worth posting on here from them.

 

It's really just the phonecalls that are annoying me more with Littlewoods. I know I'm in a good position, and I'm not reminding them of their duties under CCA as they are well aware of them, but I really would like to make sure they stop the calls and voicetexts.

 

If the calls are doing your head in don't take them, or screen your calls.

 

Tell them you don't discus anything over the phone.

 

what I have done is asked my phone provider to block any numbers that is with held and asked the to block certen numbers like 0845s

 

worth a go.

[wildheart83]

I've taken to just hanging up when they say they're phoning from Littlewoods. I can't change my number, or any of the account details (ie barring withheld numbers etc) as it's not my line and I don't pay the bill but hopefully if i give littlewoods enough rope they'll hang themselves

[wildheart83]

It seems Littlewoods are now stooping to a new level. Rather than deal with the CCA and SAR request I sent them on the 5th December, they've now sent a letter offering me more time to pay the arrears on the account. Since they've defaulted on the 12+2 working days I can stop payment until they come up with an enforceable CCA?

[pt2537]

well technically yes you can withold payment but it will have an effect on your credit file. oince the 12 working days pass the creditor is not entitled to enforce the debt while they are in default

 

they will add adverse marks to your file, although they shouldnt they do.

 

if you have a look at my thread i have with little woods youll see they send all manner of bizarre letters offering this and that

 

still thats life,

[pt2537]

for some reason the link i posted refered back to your thread, no idea why so ill try again

 

http://www.consumeractiongroup.co.uk/forum/general-debt/93571-pt2537s-cca-request-against.html

[wildheart83]

I think my credit file is pretty much in pieces already so them adding to it won't make much difference. I've offered nominal payments and they've chosen to ignore those letters too