Jump to content


  • Tweets

  • Posts

    • This thread is starting to drone on and on. The distance selling rules are clear and if the necessary information is not been provided then it's correct that there is 12 months to reject the vehicle for any reason. In addition to that, there may be a breach of contract as regards the condition of it – but I'm not sure that we have been told what is wrong with the vehicle. Maybe @Aton2244 would like to tell us? Additionally, @Aton2244 seems to be completely hung up on their legal entitlement and also the apparent power of trading standards to sort it out. The legal entitlement is not in doubt. Once again I'm going to say that trading standards will not be able to do anything – partly because they don't have the resources – partly because they think that they are fitted for higher things than an individual case of somebody who bought a cheap second-hand car at long distance. I'm sorry but the role of trading standards nowadays has become some thing like an urban legend. As I said at the beginning of this discussion – about three weeks ago, we have to think of the practicalities. The rights of clear and it's up to the OP who decide to take the action which we will be pleased to help with. The problem of course will be one of enforcement and I've made this clear as well. I agree that it's a risk that the vehicle could be returned without the money being refunded. I don't know the answer to this. If there is some kind of stand-off about who is going to pay for the transportation costs then this seems to me to be ridiculous if that is the only thing in the way. I almost get an impression that both parties think that it's a matter of pride that the other should be made to pay for the transportation costs. If that's what it is then it becomes a stumbling block to sorting out the whole problem. This thread is developing into some aimless discussion thread that is becoming repetitive and really should be moved to Facebook where that kind of thing happens  
    • 'It is very unlikely that Birmingham TS will get involved in your civil complaint, so best for you to follow Advice Direct Scotland’s advice.   If Birmingham are not interested in the criminal side, then I will discuss it with my manager and decide what action to take.'   that was the last I heard from my local TS, I will see if next week brings any further response. 
    • Well if you can get some independent assessment of the standard work which was carried out in fitting the turbo nine months ago, and the fact that it took £180 to correct the problems then I don't see any difficulty with bringing a court action and winning. Many garages are very slippery and make enforcement difficult – but for £180 it would be extraordinary if they even went to the effort of trying to challenge you. So do you have the evidence necessary to convince a judge? If you do then I suggest that you start looking on this forum about how to bring a small claim in the County Court. It's very straightforward but it is worth knowing the steps in advance. Once you have decided that you know what the steps are and you are happy to go ahead then we will help you. You would begin by sending a letter of claim giving 14 days for your money after which you issue the claim. Don't bluff. It's not worth it. Be as good as your word. Don't forget though that this garage is apparently at the end of your road so they are inconveniently near to you if anybody wanted to do some mischief when you weren't looking. If you bring a County Court action then your chances of success are better than 95%. It's most likely that they would put their hands up once they realise that you are serious – which would mean that you would puppy have to issue the court papers.
    • So you are saying that you want to recover £180 which was the cost of addressing the defective repair so that it now works satisfactorily
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 6 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • 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
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Littlewoods - refund of interest if paid early - furniture loan


Please note that this topic has not had any new posts for the last 1290 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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

Recommended Posts

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

Link to post
Share on other sites

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... 

 

 

Link to post
Share on other sites

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!

Link to post
Share on other sites

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... 

 

 

Link to post
Share on other sites

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

Link to post
Share on other sites

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:
Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites
  • 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?

Link to post
Share on other sites

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... 

 

 

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 1290 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...