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Littlewords charges please help


leehill
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I'm sorry to post about littlewoods, but I'm in a position that I lost my job and have been unable to find work etc.

 

We had £200 on littlewoods and when I tried to explain our financial difficulties etc and try to arrange a smaller monthly fee and close account, they simply ignored our situation.

 

Now we owe £450, which is charges etc, they demanded £37.00 a month which we cannot afford, every few weeks they charge £24.00 for default notices and £12 for phone calls, all I can afford is £10-20.00 a month, they decline to accept this.

 

What is the procedure to hold the account, stop further admin/default notices and pay a set monthly fee that we can afford.

 

I've copied the Subject Access Request, but I'm unsure at this stage if this is the correct start point.

 

We started with Littlewoods in Jan 2009, so no Credit agreement issue and I'm happy to pay for the goods plus some charges, but adding £40 a month seems really unfair and not helpful when struggling to pay utilities and essentials.

 

Any help please.

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  • 2 weeks later...

Might be worth going to Citizen's Advice bureau and ask them to negotiate a payment plan with Littlewoods on your behalf.

 

Good luck, hope things are sprted for you soon.

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Personally I would just pay for what I owed and let them whistle for the rest. They overcharge for their products anyway.

If for some reason the remainder was an enforcable legal part of the agreement and they took you to court over it and won, you could show the judge that you could only afford £5 per month and that is all they would get.

 

If you only pay what you think you owe, and no more, eventually it will be sent to a dca and then you would probably be able to put it into dispute.

 

Dig out your agreement and have a good read.

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  • 1 month later...

I had a reply with all the details they hold, but no signed credit agreement.

 

Should this have been included in my request ?

 

And if they have not included a copy can I request one and if they don't send it does that mean I can simple pay off the goods I purchased plus interest and tell them to stick the charges ?

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