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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Littlewoods Scrub Debt


bonzo007
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After following the various procedures as described on this great site & using the template letters available here Littlewoods have agreed that there is no CCA & as such they will not be pursuing any outstanding debt on my account, however they have said that despite the debt being unenforcable they still consider that the debt does exist so therefore will be informing the various credit agencies, they also said that they reserve the right to enforce the debt should they happen to find the CCA at a leter date, please advise?

Is there a template letter I can use please?

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however they have said that despite the debt being unenforcable they still consider that the debt does exist so therefore will be informing the various credit agencies, they also said that they reserve the right to enforce the debt should they happen to find the CCA at a leter date, please advise?
They're right. There seems to be a common misconception that where there is no CCA and therefore an unenforceable debt, that the debt just disappears as if it never existed.
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Hi, bonzo007.

 

Some info regarding the CCA.................

 

A debt becomes unenforceable under the CCA if a creditor does not supply a true copy of the signed credit agreement within 12 working days of it being requested.

 

The debt remains unenforceable for as long as the creditor fails to produce the signed credit agreement – this means if they produce the agreement some months down the line, they are quite within their rights to enforce it. They do not need to take any further action to enforce the debt. A debtor cannot take any action against the creditor for failing to produce the signed credit agreement within the prescribed time, because that is up to the agencies that the offence has been reported to. Any sanctions that may be imposed are at the discretion of these agencies, and it is not a matter that the debtor can take to the civil court.

 

Issuing a court claim for non-compliance of a CCA request in all probability achieves nothing to benefit to the debtor, as a court claim is likely to spur a detailed search which could well end up with them producing a perfectly acceptable original signed agreement in court – which would result in the debtor losing the case, and being made liable for the creditor’s costs.

 

If after requesting a true copy of a signed credit agreement the creditor fails to produce it, it does not mean that the debt does not exist, the debtor may now however be in a good position to make a full and final offer to clear the debt.

 

Regards.

 

Scott.

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Its the normal guff they spew out when they know there is no chance of enforcement, i got the same letter, then they tried to pass the debt on to 2 DCA's, i just sent them a get lost letter and a copy of the letter that littewoods sent stating they had no CCA, its gone quiet now:D

 

Good luck GG

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So am I right in thinking that as they ave not produced a CCA & they have admitted this in writing, also that they have admitted in writing that the debt is not enforcable that I am within my rights to issue a section 10 in respect of my data being passed on etc because if they have no signed agreement then there is no debt & if there is no debt how can I be reported to credit agencies etc, how can I have breached a contract that does not exist, how can they share my data without my permision?

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Send them a section 10 Notice and ask them to provide the document where you gave and they sort permission to process and share your personal data.

 

Hi it would seem i am in a similar situation does anyone have the link for the section 10 notice?

Cheers Khan

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  • 3 weeks later...

I am also in the same position and have also been advised by Littlewoods I can now take my complaint to FOS. Is it worth sending them a letter quoting section 10 before I go to FOS.

 

PS

 

Does anyone have a letter template that quotes section 10

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  • 2 weeks later...

Just put the following in your letter with regard to section 10 notice:-

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

They don't really take much notice of this though but best of luck!!!!

 

 

 

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