solution financecard ***WON*** Written Off !

[minnimes]

i had a solution card for afew yrs, i took it out in a store when i purchased some items. i have used the card off and on since then, anyway, my hubby had an accident at work , our income dropped massively and i couldnt keep up they payments. about a yr ago a new card appeared through the post, it said littlewoods on it and the letter with it said i had a £4000 limit, i had no idea what this card was so rang the number, i was told tht this was now my solution card and the balance from it would be transfured to this new card? i never signed anything for this card, the account number is different to the old card, where do i stand? will be sending for a cca on mon, any advise please.

[Josie8]

i had a solution card for afew yrs, i took it out in a store when i purchased some items. i have used the card off and on since then, anyway, my hubby had an accident at work , our income dropped massively and i couldnt keep up they payments. about a yr ago a new card appeared through the post, it said littlewoods on it and the letter with it said i had a £4000 limit, i had no idea what this card was so rang the number, i was told tht this was now my solution card and the balance from it would be transfured to this new card? i never signed anything for this card, the account number is different to the old card, where do i stand? will be sending for a cca on mon, any advise please.

 

 

send a subject access request as well

[minnimes]

thanks for the reply, how would i do that? and what do i do with it when i get it? im new to all this and its abit confusing.

[slick132]

Hi Minnimes,

 

Re the old account, what's happened about this.

 

How much, roughly, is still owed and are you repaying anything to it now.

 

Have you checked what penalties you've been charged on the a/c. You can reclaim these to reduce the amount owed on the card. Read the Reclaim Guide in Link No1 in my signature below to find out more about an SAR.

 

As soon as you send a CCA request for the new card, the a/c limit will be reduced to prevent further spending on the a/c.

[minnimes]

hi, at present im not paying any thing to the acount as my hubby is on sick so our income has dropped massively, i have tried to sort out an arrangment but they wont agree to it, so the solution account was closed and the balance transfered to the new littlewoods card. i wasnt told this was happening, the first i knew of it was when a littlewoods card came in the post and i called to question it. i never signed anything to do with this account, would it be enforceable? i dont get statments off them any more so not sure whats happening re charges etc,but saying that they havent been to pushy about getting payment so maybe they know their in te wrong here? a friend of a friend who works at a debt managment comp said it looks as if they maybe trying to get round the contracts by opening the new account after 2007, sorry to ramble but i really dont know what im talking about, i hope this makes sense any more help would be great, julie

[minnimes]

sorry the balance was about £4000 dare say its a great deal more now

[minnimes]

ok, cca posted today, just got to wait now but what do i do if they dont respond? id like to be ready.

[slick132]

Hi Minnimes,

 

You could try asking again for them to accept reduced pay'ts and to suspend interest. Take a look here for the site lettters which address this - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

If you don't have statements for the last 6 years, an SAR will get you details of any penalty charges applied to the account. You can reclaim these.

 

If they won't co-operate in helping you, send a CCA request (Letter N in the above link).

 

If they can't provide the nec'y Credit agreement, they should (eventually) stop adding interest and charges to the a/c.

 

You can then repay the debt at a rate which you can afford and they'll be unable to get the debt enforced in court.

[slick132]

ok, cca posted today, just got to wait now but what do i do if they dont respond? id like to be ready.

See what happens.

 

This will take time. They won't necessarily respond within the time they should. And they won't just agree with your assertions.

 

You may have DCA's ringing you day and night - keep an accurate log of any such calls, for later use if required.

[minnimes]

thanks for the reply, they cant call even if they wanted to as they dont have my number,some one rang me last yr and i told then to remove my phone number from their information and only constact me by letter,ive not had any calls since so hoping i should avoid this. do you know how it stands that the card numbers differ? ive kept the old card so i can prove its not the same as the littlewoods card they sent me. if they do call me i will note the date time persons name and then tell them im not prepared to disscuss it over the phone and to put it in writing, is this the right way to go about it?

[slick132]

Yup, that sounds just fine.

 

Re the card a/c nos., let's see how they respond and take it from there.

 

[minnimes]

ok well so far not a peep, no phone calls or letters, im starting to think its the clam befor the storm,

[slick132]

Most probably is, Minnimes.

 

Soon be time to batten down the hatches.

 

[minnimes]

at least im not scared of them any more and i know my rights thanks to this fab website and all the wonderful people who are helping me, they still have a week to respond so they still have plenty of time, ive found this site highly addictive i cant stay off it, im reading loads of threads and picking bits up along the way. this site is a life saver and ive passed it on to afew friends so far, thanks for all your help.

[minnimes]

ok well im pretty sure there in delfault now, they got my letter on the 18th, so what do i do now?

[slick132]

im starting to think its the clam befor the storm,

Thats a wicked typo minnimes - the CLAM

they got my letter on the 18th, so what do i do now?

From what I've read, now you do nothing - the ball's in their court.

 

If they want anything from you, they need to produce a valid Credit Agreement for the present a/c.

 

I still think you're right - this will be the clam before the storm.

[minnimes]

well ive paid them this mnth just to be safe, next mnth im not paying unless they send me my agreement

[minnimes]

just to check do i send them a reminder?

[slick132]

Hi Minnimes,

 

According to my maths, you have to allow 12 working days + 2 for delivery so it's too early to bother with chasing yet.

 

Wait till next week and see if they've replied at all.

[minnimes]

ok this moring i had a nice default letter from mercer, first time theyve reared their ugly head, nice introduction. so i rang them, the woman was actually really nice, said it hadnt been applied to my account yet (didnt say it would be either) and they have no record of my cca request, of course they dont. she says i should send it again. i have proof that i sent it and they recieved it at their end so is their really any need? not sure where to go with this now, i did question the fact i signed up for a soultion card not littlewoods, she said she thinks its just the account numbers that changed butkeep asking for my cca "cause you never know how that will work out" is that a hint that they dont have it?

[slick132]

Hi Minnimes,

 

It's a waste of a good phone call ringing DCA's.

 

Drop them a line saying they cannot apply a default when they've failed to supply your Credit Agreement. And if they do, you'll make a formal complaint to the FOS and to Trading Standards.

 

Oh, and send them a copy of your CCA requet letter saying you have confirmation that they rec'd it on DATE.

[minnimes]

i did tell her they couldnt do it as the account is now in dispute but she's saying they havent got it (cca) i can prove they do. and she also said she can act on the account as it hasnt been sold its just been passed to her and they account is still with littlewoods not sure how that works. will send them a letter anyway but i think they will still apply the default.

[slick132]

You're right, they may Default you anyway just now, but best to avoid this if at all possible.

 

Don't worry about what she said on the phone - if you called and spoke to someone else tomorrow, you'd get a completely different opinion.

 

You have the proof required to show they rec'd the CCA request, so send off the letter as I suggested above.

[minnimes]

will do thank you

[minnimes]

had a letter today saying they transfering the debt to a collection agent so i rang them and told them the account is in dispute, the woman on the phone kept trying to get me to say i accept the debt, which i didnt, she said the account is now on hold. ive told her i want the default removed and she said she would forward it to the complaints dept. what do i do now? just wait?