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Kays Catalogue - No Signed Credit Agreement - Still sending threatening letters

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Hi there

We recieved some truly shocking customer service from Kays and when they refused to deal with the issues we requested a signed copy of the consumer credit act. They admitted by letter that the debt in unenforceable as they did not have a copy but they still insist on sending letters threatening action and adding defaults. So far they have added 6. They also add charges for late payment. I did not have an issue with paying the amount but wanted my complaints dealt with properly. I now do have issues with paying them due to their constant harrassment. I am just wondering how to proceed.



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Well, what i would do is to send a SARS then apply for all the interest and charges back from the account.

As you stated,i doubt there is a valid credit agreement,i am doing the same to Littlewoods.

perhaps you should put a copy of the letter on here and let some of the wiser members,comb through it.

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Hi there

we did apply and recieved back an unsigned copy and they admitted they did not have a signed copy. I am wondering whether they can continue to add defaults and charges. It all started when they delivered (in fact they threw it over the back gate as no-one was home) a laptop which ended up with a cracked screen. They stated it was not a manufacturing fault so we must have caused it as their drivers would never deliver items in such a fashion. The service since then has been atrocious. I would like to throw the ball back in their court and was wondering whether I could take them to court for harrasment?

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