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Alphageek's OH Vs Littlewoods


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Littlewoods were messing around with my OH's Cashback payments and upsetting her. So, they asked for what they are about to receive :D


Sent for a copy of CCA a while back, they replied that they cannot find the executed agreement but here's a nice new one that would have been of the type you signed... honest Gov'ner :lol:


This is away to them via recorded tomorrow (with all credit to Rory32)


Dear Sir/Madam



Re: − Account Number xx


Thank you for your letter dated 20/06/2009; however I find it difficult to believe that you have mislaid such an important document as the copy of the credit agreement. You are required by law to retain such documents for 6 years. Furthermore, this 6 year period starts from the closing of an account not the opening of one.


It would appear that you have failed in your obligations to comply with the various anti money laundering regulations in not keeping such documents. This, as I’m sure you are aware, is a very serious offence.


I now require the balance of this account to be returned to zero.


Please note you may also consider this letter 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 14 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 fail to respond within 14 days, I will expect that this means you agree to remove all such data.


Furthermore, you should be aware that a creditor is not permitted to take any action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following would apply:


  • You may not demand any payment on the account, nor am I obliged to offer any payment to you.
  • You may not add any further interest or charges to the account.
  • You may not pass the account to any third party.
  • You may not register any information in respect of the account with any of the credit reference agencies.
  • You may not issue a default notice related to the account.

Please be aware, the Consumer Credit Act 1974 is very clear that a default can only be issued for breach of a valid, regulated agreement. As there is no agreement a default cannot be lawfully issued as no valid, regulated agreement has been breached.


I would ask that you review this account and respond favourably within 14 days of the date of this letter. Failure to do so will result in me reporting this matter to The Financial Crime Branch of HM Treasury and any other authorities as I see fit.


I look forward to your reply in due course.


Yours faithfully,



I had exactly the same reply from them when I requested a copy of my account's CCA, they couldn't find it.


There is an important question here. How many criminals are using Littlewoods to launder the proceeds of crime?


I have direct knowledge of 2 accounts they have operated without keeping correct records and you can read plenty more on here who have had the same reply. It would seem that if you're a criminal looking to clean your drug money, for example, Littlewoods seem an easy touch.


If they don't write-off this account, I am going to report them to the Treasury. The Treasury might not have listened to me for just my account, but now I have my case and the OH's with exactly the same "can't find the agreement" line, they just might take notice. Especially if I can get a list of other CAGgers who have had the same reply from Littlewoods.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Dear Sir,


Thank you for your letter of xxxxxxx telling me what my agreement would have looked like. Please see below what payment would have looked like if you had been able to provide an enforceable agreement;



Yours Truly,

  • Haha 1

Anthrax alert at debt collectors caused by box of doughnuts


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Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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  • 3 months later...

I have let this thread slip a little and now NDR (No Debt Recovery) are involved. Quite what they think they are going to achieve is a mystery to me.


I will get back to Littlewoods soon, but in the meantime, NDR are getting this.



1st Floor Skyways House

Speke Road


Liverpool L70 1AB




Date: Tuesday, 27 October 2009


Dear Sir or Madam,

Account number: XXX


I am in receipt of your recent letters.


This account is in dispute with Littlewoods and has been since 4th July 2009.


For Littlewoods to have passed this account to you is not only a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998


My previous dispute from 4th July 2009 has not been answered. As Littlewoods are now in default of my Consumer Credit Act agreement request and have also breached the Data Protection Act, I consider this account to be in serious dispute.


As you are aware while my Consumer Credit Act request remains in default enforcement action is not permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both unlawful and vexatious.


I respectfully suggest that this account is returned to the Littlewoods for resolution of these defaults and breaches, as NDR cannot lawfully pursue any enforcement activities.


If NDR chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office and Financial Ombudsman Service.


I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter and look forward to hearing from you in writing.


Yours faithfully,

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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