great universal won't remove the default

[queensclose]

hi

sent for cca to littlewoods and they comfirmed they do not have a signed copy and confirmed they will can not enforce it

now they have defaulted the account with credit reference agencies

i sent them the template from here and i recieved there reponse today saying they wont remove it

 

heres the letter

http://i1176.photobucket.com/albums/x325/queensclose/greatuniversal.jpg

 

whats my next step

 

thanks

[silverfox1961]

Hi

Unfortunately they are correct. They no longer have to prove that they have your permission to process your data as it is now accepted that you entered into an agreement whether or not they can provide you with the agreement.

 

This is the OFTs take on it

 

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/unenforceable-credit-agreements

 

As they cannot enforce the agreement, they stuff you in other ways. Don't be too surprised if a DCA pops up too.

 

As far as I am aware, the only way for you to get them to remove the data is to sue them through the county courts and that is by no means a sure win.

[themadcap]

Hi queens,

unfortunately you are stuck with the default unless you can link your default to the charges they applied on your account.

I can give more info if needed

Please click star if helpful

cheers

[queensclose]

I think they added only 2 late charges of £12 each

[themadcap]

Did you pay the bill off or is it still "live"?

[queensclose]

Never paid it due to it being unforceable It's £2500

[themadcap]

In that case there's nothing you can do, you have to accept the D/N as what their letter states is correct, it also means along with the D/N your available credit will also be reduced by the £2500 as this sum stays on with the D/N for the 6 years - what this means is everybody has an available credit limit linked to their credit score based on the amount of credit you have open and the amount available, this will be considered as open credit.