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Hi there i hope some one can help me in the right direction,.

I have had a littlewoods account for about 7 years , you name it i have had it the extra care insurance which was useless , cover for the account .

I have recently been looking at the £12 admin charges that they put on your account when your payment is a few days late or if you underpay etc .

I rang up to ask them to take off the last one as thought it was unfair as i had paid £5 under what they wanted i noticed and then paid extra to cover a few days later and because this £5 did not clear till after amount was needed thay charged me £12 .

They refused to take it off , as i said to them right well i now want a copy of my cca , they fobbed me off telling me that the terms and cond were in back of cataolgue and once had placed order it meant that i accepted them .

Am i right in thinking taht they do not have cca for catalogue, and if so are they justifyably allowed to charge me admin charges ?

Am i right in thinking that i acn claim them all back just like the bank charges ?

I only owe them about £100 but am annoyed that no matter how long you pay etc and be a justly customer that they still think they can screw you freely .

Have just had enough and want to know if can geta dig back at them and claim some back .

Is the best way to go sending a CCA leter Or a SAR letter .

I do not have all my ststements to work out charges .

Thanks for your help

x

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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If you send them a SAR asking for all the data they hold on you theoretically you should get any CCA that they do have

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thankyou will let you know what response i get

:)

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Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Hi bones,

 

Just had my sar feedback from littlewoods.

 

You'll need a degree is bull$hit to work out the charges ;)

 

This is by far the WORST company I have ever had dealings with, the ar$e really has no idea what the elbow is doing. Have a look here

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133893-littlewoods-moorcroft-ndr-havinastella.html?highlight=havinastella

 

I would also read PT's thread

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

 

Hope this helps

 

Jogs

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must type faster, :D I had just gone to search for pt's thread.

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ah yes, my long forgotten about littlewoods thread

 

i really must get around to suing them :D

 

 

Oh please do.. soon :-D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 6 months later...

:confused: Hi all joined a while back but had to put things on hold due to pregnancy , but am back now and hopefully can get somewhere this time , so all help is greatly appreciated .

I have had a littlewoods account for over 10 years , have had all the extra care cover , lates charges etc and now owe £100 .

i dont believe that i have ever signed anything at all .... Now the problem is when i rang up to dispute 1 charge they would not refund , so when i thought about it they proberbly owe me quite a bit over the years .. no w i have no quarms about paying what i owe for products its just the charges and am now begining to feel they owe me more thabn vice versa.....

Can i claim them back and if so the extra care cover too as it similar to ppi ..... do i send a cca ??? or a letter for refund of charges ??? sar ???....

Am really stuck .. and where do i send it the address on the statement ???..

thanks so much to who ever helps x x x x x x :D:D:???:

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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why do they say you owe them money is it itmised and and date, referenced so you can check if its correct, if no then ask them to break it and explian their reasons. if it is due to extended credit or payments over time, then yes ask for copy of credit agreement and prooof that you signed up to it. Standard letter somewhere on here.

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Hi ;)...

they have sent me a statement with the items i bought recently itemised as a payment owing on the top of statement . The question i am really asking that ia am unsure off , is can i get the late payment charges back that i have nearly cleared , because i must have paid the balance i owe 3 times over with charges .....? .so if can claim them back then will just pay outstanding amount off with that ?? Am i along the right track or way off ?:-?.

Thought the CCa was only if disputing paying the whole amount and while i belive they owe me more than i owe i would rather get it back ?

Alos i dont have that many years statements so should i SAR ? to get them .

sorry for being a pest am trying to get my head round whta way is best so know for future in other ones i want to tackle .

thanks x x ;)

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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You may well get the info you require without going to the expense of a SAR. You'll only be able to go back 6 years (5 in Scotland), should you take it to court, but ask the question, and see what they say.

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thanks will do is there a template letter that will help me ask for the charges back that i can use please ? . if so where shall i find it ? thanks again x

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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  • 1 month later...

hi , just an update have sent of an SAR to get all my statemn=ents back and will calculate them to see how much they should rebate me ( doubt it though ).

couple of questions please .

A) how long should i give them to send me the details inc cca ? before dispute the remaining balance , as i think they might not send me a cca .

B) should i dispute the amount left of try to calim charges and deduct the balance i owe off as it will be more that they owe me ?

C) is it likely that they will rebate me ?

d) is there a letter template anywhere please for claiming back charges ppi etc . should i just amend the bank charges one , or is it a different thing entirely ?......

 

Thanks for all your help and i can assure you all that any refunds i get for the few things i have going on at the moment with all your help. i will be donating genourously for each one succeed in ....

thanks again

your all great :)

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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  • 2 weeks later...

bump :)

 

have not paid littlewoods and they are on my case now , have sent SAR about 12days ago , so cant request charges refund till get it . Should i pay a little bit and CCA them ? just to keep them sweet or am i just then acknowledgeing the alleged debt ?

They have sent a letter today telling me they are adding £24 charges and if dont make payment they will add default charges ?

thanks :):confused:

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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pay them nothing and CCA them, make sure you do not awknowledge any debt to them.

 

if they dont respond to the CCA, you send them a default letter and you dont pay them a penny until they can produce a valid CCA document (from what i know of littlewoods they will have trouble with this).

once the matter defaults, they cant ask for payment, slap on any charges, pass your details onto a DCA or take you to court.

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ok will send one off tomorrow ,what about reclaiming charges ? they owe me more than i owe them ????

or should i just forget them as there is little chance of getting them back and just dont acknowledge the debt ?

 

thanks :)

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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brilliant thanks thats what i was a bit unsure as to weather you can put the account in to dispute about there being no cca and then with the sar claim back charges ..... excellant thanks

will do it first thing ....

:):D

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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bit naffed off today checked delivery status of SAr and not showing as delived , ask post office and they said po not cashed as of yet , and got wait few more days for recorded delivery to see if will get there , doubt it though as sent on 14th and if not there by now wont be in few days ......:(

 

So going to send cca tomorrow recorded delivery and then start the mission of finding out where my bl**dy po is :(

 

not a great start , but never mind

x

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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can some one just clarify the address i should be using please for the cca ? just so can make sure other letter went right place ? thanks

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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bump :)

 

sorry for rush but need to send it off tomorrow , can you just confirm address been looking through forum and there are lots of different addresses used ???:confused:

thanksyou

[email protected]

 

Morgan & Stanley/ Goldfish / Barclaycard : F & F Offer accepted , appealing Default on CRA's-ongoing:!:

HSBC : Managed Loan .F & F Offer accepted , appealing Default on CRA's-ongoing:!:

Littlewoods: No CCA , PPI INsurance claim. Took to court. Charges refunded. WON :D appealing Default on CRA's- ongoing :|

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Shop Direct Home Shopping Limited,

1st Floor, Skyways House,

Speke Road,

Speke,

Liverpool,

L70 1AB

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

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bit naffed off today checked delivery status of SAr and not showing as delived , ask post office and they said po not cashed as of yet , and got wait few more days for recorded delivery to see if will get there , doubt it though as sent on 14th and if not there by now wont be in few days ......:(

 

So going to send cca tomorrow recorded delivery and then start the mission of finding out where my bl**dy po is :(

 

not a great start , but never mind

x

 

 

Thats strange, I sent them a CAA request recorded on the 23/02 and the tracking service says that it has not been delivered yet! (27/02):confused:

 

 

Is this a new ploy from Littlewoods, by not signing, we cannot prove delivery?

 

Does the fact we have proof of postage first class, deem this to be delivered 2 days later or not in this type of case?

 

NAB:-)

 

oops, just checked the address I had was...

 

Shop Direct Finance Company Ltd

Aintree Innovation Centre

Park Lane

Netherton

Bootle

L30 1SL

 

Does this make a difference, it was the only address on the chasing letter?

Edited by Needabreak
added info after signature

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

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