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star cannibal

A response to my CCA request letter...Woo-Hoo!

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I sent a CCA request letter to Fredrickson International a couple of weeks ago and I have just received this letter from Shop Direct Finance Co Ltd (debt was originally with Littlewoods Catalogue).

They have not produced a copy of the agreement,but sent me a copy of a "current agreement" that's not even filled in instead.

I'm thinking that this means I'll not be needing to send any more money in their direction again.

Do I send a modified version of the"failure to provide a copy of the agreement within prescribed timescale" letter,or is there a copy of a more appropriate response available?

 

I've censored any personal details from the letter,but the "agreement" is as is.

 

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how sad never mind:D


PGH7447

 

 

Getting There Slowly

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

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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;

2wdvksk.jpg

 

Yours Truly,


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lol


PGH7447

 

 

Getting There Slowly

---------

 

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

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cerberusalert, love it! what a brilliant response :D

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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;

2wdvksk.jpg

 

Yours Truly,

 

ROFL:lol:

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Tell them that this were you will be with the money you would have paid them had they provided the enforacble agreement :D

 

westside_shopping_leisure_center_sdl200907_nk.jpg

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just fell off my chair laughing ,that is so funny .

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What more can I say

 

DG:D


I have no legal training my knowledge comes from my personal life experiences

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ROFL:lol:

 

love it


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I DO NOT offer legal advice

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"I just say what I say because everyone is entitled to my opinion!"

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send them the bogoff no cca letter.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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send them the bogoff no cca letter.

 

Letter sent - it'll be interesting to see how they respond:).

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fredrickinson will more than likely send u a letter saying some rubbish about moral obligations and payment plan etc.

 

Remember Freds are a division of Bryan Carter.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I have littlewoods bringing my statement date forwards etc, slapping on charges, whinging on about arrears, had the account for ages, is it worth CCAing them?

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I have littlewoods bringing my statement date forwards etc, slapping on charges, whinging on about arrears, had the account for ages, is it worth CCAing them?

 

 

Absolutely :wink:

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I have littlewoods bringing my statement date forwards etc, slapping on charges, whinging on about arrears, had the account for ages, is it worth CCAing them?

 

Hi and welcome.

 

Yep, it is extremely unlikely that they will have one.

 

David

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I recieved the exact same letter from SDFS on saturaday re a Kay account that has been through numerous DCA's.

 

Only 2 years since I requested a CCA. Reaarly quick response there then.

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I have littlewoods bringing my statement date forwards etc, slapping on charges, whinging on about arrears, had the account for ages, is it worth CCAing them?

 

 

Something sounds dodgy here. Bringing statement dates forward cant be good.


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Well it's been a while now since they sent me no proof of CCA,and I've received no doorstep threats,no letters,no phone calls,nothing - not a peep.

 

It's looking like it's a job well done thanks mainly to the info and advice found on this forum.

 

Thank you all.:-)

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I've received no doorstep threats,no letters,no phone calls,nothing - not a peep.

 

 

That's probably because they're stuffed:lol::lol::lol:

David

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Star Cannibal & Mr Ton. I think I have just woke my neighbours up with my incredibly loud laughing at those posts. Honestly how hilarious, I have not laughed so much in ages. I have a littlewoods cat I have not paid for 2yrs, last time I made a payment the bal was £1700, now my monthly statement comes in and it currently stands at £4300, they are adding over £100 per month interest and late payments. I am sending away for my CCA tomorrow and I know for definite I dont have one cuz I opened the acc when I worked at what is now shop direct and my friend opened it for me and I never signed jack. I will send them the money pic with the catchphrase. In fact I am doing it with all shop direct cats. I have all the cats they do, (6 or 7 in total) and I didnt sign anything for any of them. Serves them right, I left because my dad had an accident and they never let me have any time off to go visit him in hospital, then the final straw my OH mum died and and they said I wasnt allowed the time off to go to the funeral, so I left. I cant wait to stick it to them like they stuck it to me!

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