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    • Yeah I figured, unlikely I'll need credit anyway mortgage all paid off etc so I'll take that on the chin and learn from the experience. Probably would've beaten that too had I remembered the protocol, first time ever going through the process though sob it wasn't familiar to me  Oh well  
    • This is my slightly amended WS taking on board your previous comments, any suggestions for amendments would be most appreciated.  Thank you for you time.   1.        I am the Defendant in this matter. 2.        The facts in this statement come from my personal knowledge. 3.        I became aware of original Judgement following a routine credit check on or around 14th September 2020. 4.        The alleged Letter of Claim dated 7 January 2020 was served to a previous address which I moved out of in 2018, no effort was made to ascertain my correct address. 5.        The Judgement debt was not familiar to me so I began investigations to ascertain what the debt related to and how such a figure had been equated in any event. 6.        I made immediate contact with the Court, the Claimant Solicitors and the Claimants thereafter, asking them to provide me with a copy of the original loan agreement but this was not provided to me.  7.        I sent a Data Subject access Request to Barclays but no agreement was provided – See appendix 1 which details the timeline of communication between myself and Barclaycard as well as copies of correspondence between us. 8.        I do not admit to entering an agreement with Barclaycard in 2000. 9.       The claimant has failed to comply with the additional directions ordered by District Judge Davis and therefore this claim should be automatically struck out.  10.    The claimants have failed to disclose a true executed copy of the original agreement they refer to within the particulars of this claim. They are not entitled to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974 12.   The reconstituted standard Barclaycard agreement that the claimant has included in the court bundle does not satisfy any CCA request and so the claimant is and remains in default of my CCA request and therefore unable to enforce the alleged agreement. 13.  The claimants have failed to provide proof the assignment, such as a deed of assignment. 14.  The claimant has failed to provide a statement of account setting out how the alleged debt accrued under that agreement 15.   Despite numerous requests to the claimant, I have still not seen any evidence, such as an original agreement or deed of assignment, that substantiates the claimant’s assertion that I owe the debt to the claimant, nor evidence of how the debt was accrued. 16.   As per CPR 1.4(2)(a) the court encourages parties to cooperate with each other in the conduct of proceedings in order to try and save time and costs for the parties and to also save the time and resources of the court however, despite vast attempts at mediation the claimants have been most unreasonable and have remained unwilling to mediate. I believe that the facts stated in this Witness Statement are true.  I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.
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Littlewoods - Discount Codes - Reversed !!


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I have searched the forum for this problem so sorry if it is a duplicate, in 2007 someone had similar issues but Littlewoods T&Cs have changed since then.

 

I have been a Platinum member of Littlewoods for years and am rgularly sent discount offers. I have also used a few I have found online.

 

On Thursday this week I attempted to make a purchase on their Website using my Credit Account and a discount code I found online. The transaction was refused. I phoned them to ask why and they asked whereI got my codes from. I said the internet. I was informed I was not allowed to do this and that all my previous discounts would be reversed and added to my account. I now owe them several hundred pounds from previous discounts.

 

I am unable to tell if the discounts are from online codes or ones I received in the post.

 

Is this legal after so long? Their current Website T&C state:

 

"2.3 Promotional codes are codes that enable customers to obtain benefits such as discounts, free delivery and free gifts. These codes are non-transferable so may only be used by the person to whom they are issued and must only be used in accordance with their terms and conditions of use. If you use a promotional code to claim a promotional benefit, you must first check that it was issued to you and that you are eligible to use it. By using it to claim a promotional benefit you will be confirming that:-

 

(i) you are entitled to use the code;

(ii) you meet all the conditions that apply to its use;

(iii) you agree to the terms set out below.

 

If, before accepting your order, we find that you are not entitled to use the code or do not meet all the terms and conditions of its use, we may reject your order or alternatively process it without the promotional benefit being applied. If, after accepting your order, we find that you were not entitled to use the code or did not meet all the terms and conditions of its use, we may reverse the benefit that you obtained. If you transacted on a cash basis e.g. by debit or credit card, we may take a further payment, equivalent to the value of the benefit obtained, from the card used. If you transacted on a credit basis, the value of the benefit obtained may be charged to your credit account."

 

 

Any advice welcome.

 

Thanks

NatWest-

Data Protection Act Request sent 12/04 (Statements arrived 09/06/06!!!!!!!!!)

Parachute Account Created 25/04

Preliminary Letter Sent 09/06/06 reply received 14/06/06

LBA Sent 14/06/06 reply received 20/06/06

Moneyclaim request issued 27/06/06

Defence arrived 29/07/06

Offer of 50% from Cobbetts 03/08/06

Settled in full 23/08/06

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hmmm. not sure. On a contractual basis it seems they can, but I'm not sure how this would pan out on an utccr point.

 

It seems ropey, but I'm sorry I can't think of something that gives you a decent right of action I'm afraid. Others might come up with something.

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So they reckon they can unilaterally go back over all your previous transactions and increase the price do they?! :eek:

 

Shocking!

 

Id have thought this was a pretty clear UTCCR. They don't even specify a time limit within which they are 'entitled' to reject the dicount. Imagine if Tesco had T&Cs stating that in the case of a mistaken discount they can retrospectively re-debit your credit card?! Give Trading Standards a ring about this.

 

Write to them asking for evidence that you were not entitled to use the previous discount codes. Also send a CCA request and see if there's anything in the credit agreement allowing them to do this.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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If, after accepting your order, we find that you were not entitled to use the code or did not meet all the terms and conditions of its use, we may reverse the benefit that you obtained.

 

That line there to me says that they can only reverse the discount on the order you used an invalid code for. It does state that they can reverse al other transactions where you had a valid code.

 

Also, they may accept your order but isnt the legal terms with regards to contracts that once you have paid the contract is binding, so they reverse it once they have accepted the order but once you have handed over the money they have accepted your purchase? One for those more knowledgable....

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unfortunately not. a contract does not end when you pay, there may be terms of the contract that still bind you and can be enforced at a later date, even after the substance of the contract has been performed. Look at buying a house, employment contracts or even warranties.

 

I think the utccr angle might be the best, but couldn't promise.

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They've done this many times in the past and had legal challenges I believe, which have come to no avail.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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unfortunately not. a contract does not end when you pay, there may be terms of the contract that still bind you and can be enforced at a later date, even after the substance of the contract has been performed. Look at buying a house, employment contracts or even warranties.

 

Thats true, I guess the OP would have to look at the T&Cs and see what they say in total.

 

What about the wording of the terms? It says to me it is only on that transaction, not on every purchase they have ever made! Could end up going back years for some people....

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I think you might be right here - the burden of proof is generally on the party asserting a fact or term. Here that would be for Littlewoods to show the breach. No idea how they'll do this.

 

as for this:

 

"If you transacted on a cash basis e.g. by debit or credit card, we may take a further payment, equivalent to the value of the benefit obtained, from the card used."

 

I think that this is bang out of order, and I'm not sure they can actually do this.

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Contracts are formed after consideration has passed. Consideration is the benefit each party to a contract gets from a transaction. In the case of shopping, this is the payment and the goods/services. At the moment the order is accepted AND the money is paid, the contract is formed and binding. As above, there may be terms and conditions which bind you after the contract is formed and will continue to be binding.

 

However, the UTRCC is there to stop one part benefitting from the other's disadvantage. My [personal] opinion is that whilst I agree with what they are doing in principle, they need to do more in order to prevent the codes being used by everyone. For example, Ocado shoppers can only use codes which their account accepts such as first time orders etc. Although investment is high, surely customer's respect would improve. I think that these charge backs are unfair, they certainly seem to put Shop Direct in an unfair position, and although included within the terms and conditions that doesn't mean to say that it is legal and enforceable.

 

I do not agree with the charge back which they do and cause so much grief in doing so, however if they do not want people to use codes which are so freely available, they need to invest more in the controls they use to administer accounts, simply as that.

 

One day, someone will sue, and I hope they win, it's not a good way to do business :)

Edited by chesham
Typo..

Lived through bankruptcy to tell the tale! Worked in various industries and studied law at university. All advice is given in good faith only :)

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hmm would love to see other store terms on this

 

as currently i would owe pizza hut around ohh.. probably £250 or so

 

ive never paid full price

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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I'd play them at their own game, sar them and include a request for signatory evidence of all items allegedly delivered on the account.

 

If they come back with tripe about the customer should check all statements ask them 'what statements?' and how soon do they expect to be able to provide these for you along with evidence of receipt for every item listed.

 

You require a full audit of the account, nothing less...

 

Gez

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Hi,

 

Thanks for your responses, I have written to Littlewoods and they are refusing to respond in writing, they say the department dealing with my complaint only deal with phone calls. Is there anything I can say to insist that they communicate to me in writing?

 

Thanks

NatWest-

Data Protection Act Request sent 12/04 (Statements arrived 09/06/06!!!!!!!!!)

Parachute Account Created 25/04

Preliminary Letter Sent 09/06/06 reply received 14/06/06

LBA Sent 14/06/06 reply received 20/06/06

Moneyclaim request issued 27/06/06

Defence arrived 29/07/06

Offer of 50% from Cobbetts 03/08/06

Settled in full 23/08/06

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ask them to confirm IN WRITING that you cannot comunicate in writing

 

i know its an oxymoron but advise them that if you are refused the option of communicating in writing then you reserve the right to record all future calls

 

they will go monkey dodo but hold firm remind them that you have verbally advised them that you are herby removing any right to take money from the card and you require an address to write to and back this up, advise them that even an office address such as reception will do. write to this address recorded delivery, REMEMBER THE PAPER TRAIL IS EVERYTHING

 

point out that they can transfer you to a debt collection agency all they like under guidelines they have to refer it back if advised its in dispute

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Just had a chat with Littlewoods. They were unable to document the transactions they were charging me £140 for, they were also unable to provide the list of codes they had offered me in the past. £140 to be refunded! Yipee.

 

Thanks guys.

NatWest-

Data Protection Act Request sent 12/04 (Statements arrived 09/06/06!!!!!!!!!)

Parachute Account Created 25/04

Preliminary Letter Sent 09/06/06 reply received 14/06/06

LBA Sent 14/06/06 reply received 20/06/06

Moneyclaim request issued 27/06/06

Defence arrived 29/07/06

Offer of 50% from Cobbetts 03/08/06

Settled in full 23/08/06

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