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    • You will be subject to the same laws notice periods and protections as with any length of contract.    From my own and other’s personal experience I would treat it as an amber warning light to start putting out feelers into what’s out there on the market   A 6 month contract is great for people who might be waiting for a new build , or having renovations done on their own property. For someone like yourself who wants security it might well be time for you to consider moving on.
    • Thank you. You still haven't given as much information. We need more. Please will you tell us who the retailer is – are they in UK or elsewhere? What was the item and what is its value? Did you declare the correct value? Or did the retailer declare the correct value? You say you paid by credit card – not a debit card against your bank account? Please read around all the Hermes threads on this forum. There is lots of good information there. In particular understand your rights under the Contracts (Rights of Third Parties) Act 1999.
    • I am sorry, but without seeing the contract, and knowing what is on it or what effect it has, it is impossible to say.     
    • A16 BYN is the plates that the car was advertised with, and obviously the plate which I checked the mot history with, I also thought the same that the website maybe hadn't been updated with the most recent mot that the dealer had got done, I asked for the original plate number whilst doing the logging in to my bank account, to pay both the dealer and the shiply transporter. Bearing in mind I had told the dealer around 6pm that I would get the deposit sorted out when I put my son to bed, that gave him every opportunity to send me any pre contract details etc. Just over an hour later (son still wasn't in bed) asked for the address of where the vehicle was to be picked up from as I couldn't accept the quote for the transporter without that information. Less than an hour after that he whatsapped me asking if I still want to buy the car because he's getting enquiries from other interested parties and is telling them that he's sold the car to me (no deposit  paid as yet). I then replied a few min later having finally got my son to sleep.    Anyway between me sorting out the details and where to pick the car up from, log into my banking to pay deposits etc he'd  messaged me the original plate no... which I didn't see until after I'd done all the aformentioned.    I decided to check the history on that plate as like yourself I had been confused about the mileage, low and behold there was the most recent mot containing 5 advisories which were never mentioned to me. Another thing I can't really understand is the expiry date of the mot before that either and I did query all of this with the dealer, only to be told that cars in Scotland are renowned for corrosion issues...and that if I had checked the mot history I would have seen them, I explained I had checked the history on the plate in the advert as I had no knowledge of what the original plate numbers were and he told me that the most recent mot was under the plate in the advert. Most certainly the mot certificate he then sent me on whatsapp had the advertised plate on the certificate,  however, it wasn't showing up on the dvla page.    By this stage I was irate with him for several reasons, for not notifying me of the advisories and telling me that he had checked the dvla and the most recent mot was showing up on the advertised plates, I then screenshot the page with the expiry and this car is not mot'd information, and 2 for telling me that cars in Scotland are renowned for corrosion issues!    Had he simply said, the car is 18 years old you're going to expect to have some corrosion at some point, I'd have been a bit more tolerant at that stage. Apon checking the history on the original plates, it transpired it passed the last MOT previous to the most recent one on the same day the advertised plates ran out, I still haven't quite fathomed out what is going on regards to this. However the previous mot showed no corrosion issues and as it hadn't failed on that basis, I would get the panel beater sprayer mentioned in an earlier post to have a look at it, and sort the issues out re that, also the main reason I had the car delivered to my dad's address as that's also the area where the panel beaters business is.  
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
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Littlewoods - refund of interest if paid early - furniture loan


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My Daughter purchased two sofas from them in June 2008 on extended terms of buy now pay June 2009 and then extended for two years. In effect three years to pay for them. The cash price was £499 and they tacked on £278 interest for the privilege of paying slowly. Yes I know, ridiculous but it was the only way she could afford the furniture.

 

Anyhow at the time it was explained to me that if she paid back in full before the end of the three year term that she would be able to reclaim some of her interest.

 

So she has been paying and I have also been paying a little (unknown to her) and it is now in the position that only £40 remains outstanding on a debt that didn't need to be cleared until June 2011.

 

I telephoned Littlewoods to ask who I would need to contact to reclaim the overpaid interest and surprise surprise they know nothing about it. It is not in their terms and conditions that they do this and they have recently upgraded them (made them less helpful to the consumer) since July this year and of course there is no mention there of reclaiming interest charges when paying up early.

 

I cannot find the agreement which was taken out at the time and so cannot prove that it did in fact mention this option to pay back early and have some interest refunded.

 

I have written to them asking for a copy of the agreement from 2008 but hold out little hope of getting it.

 

So can anyone help me with a copy of an agreement made at that time June 2008 or thereabouts. I obviously do not want to see the details which are pertinent and private to you, but I want the general T&Cs so that I can confirm that I am not insane and that it's worth fighting for some money back.

 

Any help will be most gratefully received

 

Lin

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have cca'ed them then?

 

they MUST hold a copy

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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As mentioned in my post I did write to them asking for a copy, but I am not holding out too much hope that they will bother to respond, and even if they do, by that time I will have paid for the sofas and I can see them informing me I had x number of days to apply and that the time is up!

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write to them...?

 

they must hold it

if they don't then how can they demand money from you?

 

legally demand it via a cca request, then you can reclaim what is owed at a later date if anything is owed.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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You'll get very little help from Littlewoods. They'll do the minimum they can get away with, so you'll need to get quite heavy with them. Don't take any crap/excuses. They're getting a very bad and (well deserved) reputation for moving the goalposts/bending the rules to boundries of legality.

Good luck:-D

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shop direct are losers...! we defaulted through money problems and all they keep doing is sending letters adding charges ringing.. blabla. i am sending them the letter requesting copy of ORIGINAL agreement in order to see whether or not the debt is enforceble cos if it aint they can lick my toe ! x

:oops:customer is alwaze rite...... :p:confused:
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I finally got a phone call this morning. It appears I was right, their T&Cs at the time of the agreement were such that you got a rebate on the interest for paying off early. However, for paying off 6 months early they are offering me £5.84 rebate! I asked them to provide me with the proforma that they have used to calculate this life changing amount of money.... I await with interest, no pun intended, their answer

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Hi Lin,

 

From what you are describing then the purchase was 104 Weeks "Interest Bearing Credit" with 12 months "Buy Now Pay Later". To avoid interest the sofa would have to have been paid in full before the 12 months was up.

 

The way the price works is the original price agreed includes interest over 2 years (the 104 weeks) then you have interest for the 12 months added. If you pay with in the 12 months they will knock off all interest and do the cash price. The thing with Littlewoods over Very, is one is a fixed length product so you know it's x per week for y weeks rather than Very were it's a revolving credit like a credit card. If she didn't want to pay interest then 52 Weeks interest free @~£10 pw rather than the ~£7.5 pw for the 2 years payment term would probably be a better bet (or pick a sofa that was 208 weeks interest free, they are on the website).

 

Cheers

 

Fish

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  • 6 years later...

I purchased a computer may 2016 from littlewoods. The £2,200 price was spread over 104 weeks so total was £3,500!!!! Now march 2017 and I want to pay in FULL but they offer me no reduction in interest??? Is this leg?

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this thread is 7yrs old

please go start a new thread

of your own.

 

 

thread closed.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Please note that this topic has not had any new posts for the last 1293 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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