Me and Littlewoods

[lynski3053]

Hello,

 

I have a littlewoods account for a good 8 or 9 years. I always paid it etc but I am now having trouble financially due to been unemployed.

 

I tried on 3 seperate occasions (by phone) to get my payment due date moved by 3 days to stop incuring the £12 late payment fee but was always told no we cannot change the due date.

 

I owed approx £100 on goods but now owe £245 due to the late charges. I was passed to the internal debt company NDR Money and was suppoed to pay them so much each mont by tempary payment arrangement. (This was equivilent to the minimum payment littlewoods wanted anyway). I cannot afford it so I haven't paid it.

 

Last week I recieved a Default Notice Served Under Section 87 (1) Of the consumer Credit Act 1974 Basically saying if I had to pay them 184.57 before 26/11. I called them on Tuesday last to say that I couldn't pay this amount by that date and was advised to after saying I could pay something but not all of it on the 28/11 that IF it hadn't been passed to an external Debt Collection they MAY try and arrange another tempoary payment plan.

 

Please help and advise as I am unsure what more I can do.

 

Many Thanks In Advance.

[ims21]

Reclaim the £12 charges and the associated interest.

 

Fill in this spreadsheet with each charge and change the interest rate to the rate they are charging you on the account.

 

What figure does the spreadsheet give you?

 

CISheet v101.xls

[lynski3053]

Hi,

 

I don't think are charging me interest as I can't see it any where. Iv'e got an online account with them so will check it on there and let you know.

 

Many Thanks

Lynn

[lynski3053]

Hi,

 

Iv'e had a look online and they only go back a year!! The charges come to £156. I can't see any interest rate tho. I think I may have to SAR Littlewoods as I don't know whats on the statements prior to this.

 

Many Thanks Again

Lynn

[ims21]

Yep SAR would be a good idea I think