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    • Good morning all,   I have an update for you all, shortly after my first hearing i was told i would need to have a rehearing with another company, Obviously i agreed but after the initial grievance hearing the person then asked me to enter into a private conversation, I have received the settlement offer and are disgusted as its not even half of my monthly  salary, I'm not sure what to do at this stage as i dont have the funds to finance a solicitor,so any advice would be appreciated.  
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    • What's the default date? It should be on your Credit File
    • i point you to two threads whereby you'll see an explanation by andy (post 22 here) https://www.consumeractiongroup.co.uk/topic/410486-lowell-interim-charging-order-from-credit-card-debt-2009/?tab=comments#comment-4912902   and   https://www.consumeractiongroup.co.uk/topic/406428-remortgage-issue/   if yours says:    written notice of the disposition was given to XX Council ( - disposition = sold vis: disposed of) ..... notice means letter telling them it's been sold -    doesn't say it must be paid or settled BEFORE disposition..   that's the way i read it.          
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Wilma Shoozfit

Littlewoods (Very) & Additions charges refunds

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Hi folks,

 

I'm currently arguing with Barclaycard - (threads already on the go) so I figured whilst I have the boxing gloves on I'd have a go at these two.

 

I have accounts with both these catalogues - I only ever shop with them in the sales and I always pay them off quickly. I owe £100 to one of them at present and have paid the other off today so owe nothing on that.

 

The problem has arisen because I pay them when I get my monthly pay, and I find that the little suckers have been slamming on late payment charges of 12.00 a pop because I don't pay on the date the want me to.

 

I politely asked for my money back last month. When they got a tad stroppy with me I told them I would issue a summons if necessary and was told by young Mr Personality of the Year on the other end of the phone to go ahead.

 

I paid these accounts again today and have seen yet more charges - needless to say I'm totally hacked off now and the gaunlet is down.

 

I've fired off e-mails via their web sites to ask for details of all the penalty charges they've put to the accounts since they were started (1 about 4 years ago the other about 3 years ago). Cheaper than a SAR and I might get lucky.

 

In the event I will have to send a SAR am I correct in assuming that just 1 request to Shop Direct Finance company at their registered office will cover both accounts?

 

Many thanks

 

Wils

Edited by Wilma Shoozfit
Repeating myself - I insist it's a blond thing and nothing to do with age

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simple work out what you owe deduct the charges and when it reaches zero, tell em to sod off


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I've been a bit remiss with this - I did pay off all that I owed them August & September it wasn't a vast fortune -and finally got round to adding up the charges on these two accounts for the statements I had. A couple of weeks ago I and sent off a letter requesting repayment of £48.00 in total.

 

I got a reply today, standard "we beleive our charges are fair" blah blah blah.... They very kindly sent me a break-down of charges they have applied on both accounts since they were opened - turns out I've paid £168.00 in "administration" charges - seems as though my pay date didn't match up with their "due by" day!

 

LBA going off tomorrow for the full amount complements of Shopping Direct - let you all know what happens:).

 

Cheers Wils

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