Littlewoods Help

[KezzaK]

Hi there,

Was wondering if anyone could help me out with my littlewoods account. The story goes something like this... i owe just over £450 to them of which i couldnt afford the monthly repayments they were asking for. I have been paying them £50 each month for a while which is what i could afford but wasnt quite what they wanted so they kept chasing me for more. I told them that was all i was paying so they offered me to go on some scheme to pay £49 something a month for a year which had an intrest rate of 39% on top of it aswell as the intrest that had already put on the original credit. I didnt want to do this so continued with my £50 per month and have not as yet heard anymore from them. What i have noticed though is they are charging me £12 every month for an admin charge which i presume is because i am not paying them what they want and also when i checked my credit file they are marking me as having not paid which i think next month will go as a default if you know what i mean. So basically what im wondering is is there anything i can do to stop this charge being put on and the fact that i am paying them but they are putting on my file that im not so doesnt look good (ok i know im not paying exactly what i want but hey its something!)

Hope that makes sense and any help would be great

Thanks Kezza

[Windywoo]

SAR them, send a £10 postal order and do not sign anything. They will send you six years statements, and you will be able to reclaim all unlawful charges. They should send you a copy of the credit agreement, if there is one, but I think it would be best to send them a seperate CCA request, that will cost £1.00, again send a postal order, and do not sign. The letter templates can be found here on the forum.

 

I had an account with Littlewoods, they weren't able to provide me with a credit agreement, as I never signed one, but still kept demanding payment. This company breaks all the rules. I succesfully reclaimed all the unlawful charges, that was easy, and did a F&F at a fraction. Now well rid of them!!

[clare77]

can you claim back, interest??? late payment charge??? and admin fee???

i am getting charged approx. 50 per month interest in total dont know how to approach this - also i never requested account cover - i am unemployed and cannot afford the repayments i want to claim back all charges they have added to the account can i do this???

thanking you

x

clare

[sea-sidelady]

Yes you can claim them all back.

 

Once you get your statements, work out exactly how much they have taken in charges, then you can send off your letters.

 

There are some links in my signature that will help you.