littlewoods admit no cca

[kungfu-king]

littlewoods have responded to my cca requests stating they are unable to locate a copy of my executed agreement.

 

just wondering what i should do now if i can get defaults removed from my credit file or any other options i have?

[havinastella]

use this

 

Dear Oxygen Thieves

 

I refer to your letter dated (date) in which you confirm that you are unable to comply with my formal request pursuant to s.78(1) of the Consumer Credit Act 1974. However, despite being in default of my request, you have continued to make unlawful demands for payment contrary to s.78(6) of the CCA 1974 and the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I note what you say about the Credit Services Association, and draw your attention to the first paragraph of its Code, which states that members must act lawfully at all times. Furthermore, under the CPUTR failing to comply with a code of conduct to which you have subscribed is unfair trading.

 

In the circumstances, I will not enter into further correspondence with you, and any further unlawful demands or contact will be viewed as harassment and reported to the appropriate enforcement agency.

 

Finally, as you have failed to comply with my request, I require you to return the £1.00 fee without delay.

 

Yours etc.

 

 

 

 

Jogs

[kungfu-king]

cheers

im more interested in geting the defaults removed from my credit file i ceased contact with them over a year ago until i cca'd them last month so im not too bothered about them being my pen pal,

but would i be able to pursue them for any money i have paid to them in the past? as they have no enforceable agreement

[Nagasis]

Littlewoods will not remove the defaults despite having no signed cca. Esp now the ICO have stated that no cca doesnt mean they cant report to cra's link: http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/198560-defaulting-unenforceable-cca-debts.html . No amount of letter sending will change their minds.

 

I personally think your only course would have to litigate against them.

[kungfu-king]

 

I personally think your only course would have to litigate against them.

 

any info on how to go about this cheers

[Nagasis]

Have you tried a section 10 notice? It probably wont make no difference (or they will ignore it) but would help any future case you have against them.

[kungfu-king]

no,

is there a template for a section 10 anywhere

[Nagasis]

no,

is there a template for a section 10 anywhere

 

 

Have alook through this list here: The Consumer Forums - Debt collectors

 

Amend to suit.