I am starting a mission against Shop Direct all customers please read

[gezwee]

I make it £40.87, primarily because they average 13 compound rest periods annually....... Shop Direct calculate averages at 28 days for accounting rather than monthly so the figures tend to round slightly higher.

 

Gez

[Turnaround]

Thanks Gez, a big thank you coming your way.

 

Regards…Turnaround

[loops456]

Hi Loops,

 

You could just ignore them as your agreement is from 93 wont come under the online agreements dates, but they will reflect this on your credit file, alternatively get a letter before action sent out for the charges from the template in the library on this site but be prepared for the long run as they will force you into legal action before they settle.

Let us know how you are ggetting on

 

Thanks Madcap

I'm having trouble finding the template letter you suggest, could you point me in the right direction?

Many Thanks.

[loops456]

Have found the letter! Typically found it just after posting the above so please ignore me . Will send that and will let you know how I get on.

Thanks again.

[themadcap]

If you have all the costs showing I wouldnt really worry about the non compliance, if it ever got to court you could raise the point then but I would personally concentrate on the charges claim rather than getting bogged down in court procedures.

[loops456]

Hi Madcap

 

Just thought I'd give you an update. I have written the attached to Littlewoods:

 

'I now understand that the regime of fees which you have been applying to my account in relation to late fees, are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I have been a loyal customer since 1993 and this is the first time I have ever been late with payments. I would have thought that I would have been given credit for my customer loyalty (18 years worth!)

I calculate that you have charged me a total of £84 over recent months of late payment fees and appear to be charging £12 at random. I have already paid £32 in charges and am not prepared to pay any more. I suggest you write off the £52 remaining as a gesture of goodwill.

Additionally, you have suggested that you may enter a default notice against my credit record. This default would be merely in respect of unlawful charges levied by you and in addition to writing off the £52 I require that you do not follow this course of action.'

 

I sent the above 2 weeks ago and have not received a response. Today I have recived a statement and they have added a further £24 in charges. For a month! £12 for the debt collection letter they send me every fortnight and £12 for not making a payment. If they keep adding at this rate the account will be in the hundreds all in charges!

 

What would you advise next? I was thinking about re sending the letter by email (I didnt send the letter recorded delivery) and see what happens.

 

I'd be intrested to know how they think that the charges of £24 a month on a balance of £52 is 'reasonable and fair'. Its absolutley shocking that they think this is acceptable.

 

Be grateful for any advice.

 

Thanks

[themadcap]

Take them to court, don't let them have the charges you have already paid, they will ignore you for ages and then say no to your request, sue them for all charges plus statutory interest l, its the only thing S/D understand, they are the lowest of all the rats around

Hi Madcap

 

Just thought I'd give you an update. I have written the attached to Littlewoods:

 

'I now understand that the regime of fees which you have been applying to my account in relation to late fees, are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I have been a loyal customer since 1993 and this is the first time I have ever been late with payments. I would have thought that I would have been given credit for my customer loyalty (18 years worth!)

I calculate that you have charged me a total of £84 over recent months of late payment fees and appear to be charging £12 at random. I have already paid £32 in charges and am not prepared to pay any more. I suggest you write off the £52 remaining as a gesture of goodwill.

Additionally, you have suggested that you may enter a default notice against my credit record. This default would be merely in respect of unlawful charges levied by you and in addition to writing off the £52 I require that you do not follow this course of action.'

 

I sent the above 2 weeks ago and have not received a response. Today I have recived a statement and they have added a further £24 in charges. For a month! £12 for the debt collection letter they send me every fortnight and £12 for not making a payment. If they keep adding at this rate the account will be in the hundreds all in charges!

 

What would you advise next? I was thinking about re sending the letter by email (I didnt send the letter recorded delivery) and see what happens.

 

I'd be intrested to know how they think that the charges of £24 a month on a balance of £52 is 'reasonable and fair'. Its absolutley shocking that they think this is acceptable.

 

Be grateful for any advice.

 

Thanks

[loops456]

Thanks Madcap.

Have this morning received another arrears collection letter stating that if I do not pay £26.36 immediately they will transfer my account to a Debt Collection Agency.

Think I'll be taking you advice and will take them to court. Will have to get reading up on what to do next. Thanks again.

[mrsflatbroke]

An update to my claim - advice needed. I sent a letter to Shop Direct (re Littlewoods) requesting the refund of £214 in charges. They responded 3 weeks later saying:

 

"It is made clear in the credit information in the back of the catalogue and the terms and conditions of your credit agreement that a charge is applied should you fail to make your miimum payment on time and as such I am satsifed that the charges applied to your account are fair and reasonable.

 

We are aware of the statement of the Office of Fair Trading's position regarding fair charges. As charges were applied to your account due to insufficient or missed payments, we are satisfied that the charges are justifiable in accordance with the views of the OFT and are fair within the Unfair Terms in Consumer Contracts Regulations."

 

What should I do next - shall I send an LBA or do I admit defeat with no chance of getting these charges back? Any advice appreciated.

[welshlad501]

Hi Madcap

I am also about to start a claim against them littlewoods and very about to send my sar request I have never done anything like this before so any help would be well appreciated as I really don’t know what I am doing just trying to gather as much info from this site as possible

[themadcap]

Heres part of their bundle for court, they did an "independent" calculation of the actual costs of a default fee, according to them they are losing £7 per default fee, it really is quite laughable, they also say the cost for their staff @ £10.71 per hour (mmm think not) goes towards SAR costs, strange one that as we actually have to pay £10 to get one!

Apparently its Legally privileged and confidential - not any more!

[themadcap]

By the way, this has gone to Court as they would not refund the only charge ever made on this account totaling £12 this is an account operated for 3 years default free even the banks and the C/C's would haver paid back one charge in 3 years.

Hideous people

[citizenB]

By the way, this has gone to Court as they would not refund the only charge ever made on this account totaling £12 this is an account operated for 3 years default free even the banks and the C/C's would haver paid back one charge in 3 years.

Hideous people

 

When, what is the outcome or has the process just started ?

[SabreSheep]

I love the way they double account for risk. Thats what the interest rate covers no?

[themadcap]

In court in January, they argue the actual cost is £19, if that were true you would charge £19 as you could prove in court thats what it costs rather than take a £7 loss on every charge.

Idiots

[fuzzgun19]

In court in January, they argue the actual cost is £19, if that were true you would charge £19 as you could prove in court thats what it costs rather than take a £7 loss on every charge.

Idiots

Is there any updates on this please?

 

I've just sent my 1st letter to LW's asking for charges back.