chezt v's Littlewoods Catalogue **I WON**

[bill-k]

Ideal, Willow. You do indeed make an excellent 'airy fairy, if I may say so - in contrast to the "hirsute horror" that is me !!!

 

I feel I should clarify that I am no further up this route than you are, so I am not speaking from any experience other than my own reading up of stuff.

 

Have a read of this thread, if you have some spare time !!! It should have been entitled "How to build a bomb," and is an intriguing saga of Tam & Term's construction of said device. Detonation is imminent, I believe:-

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html

[chezt]

Bill that's the thread I read I'm sure ... took ages!

 

WILLOW :) Glad u called in luvvie .... this is for you sweetie ..

 

:grin: Off to print my new letter - cheers darlin ... glad ur bearing (putting up with me on this one!

[Guest willowb]

Love the piccie Chezt thanks hun! .....got to page 4 on that thread Bill and gave up.....well, skipped to page 87!!!! anyway....I'll have another look another day though, looks like everyone's subscribed to it!

 

Wxxx

[bill-k]

Yeah, that's the one, mate. You have to skim through a lot, you're right. I'm hoping that they will manage some kind of final summary of it for us, but we'll probably have to wait until they've lit the fuse first. It's about 1800 posts long, now !!

[chezt]

Love the piccie Chezt thanks hun! .....got to page 4 on that thread Bill and gave up.....well, skipped to page 87!!!! anyway....I'll have another look another day though, looks like everyone's subscribed to it!

 

Wxxx

 

 

I think u should use it for your avatar! Your current girly I find a bit spooky for some reason ... think it's the eyes ... dunno why tho!

[OldBear]

Hi Chez, Bill and others. Hope you're all well.

 

Sorry for butting in. I'll have my own thread on this soon, I reckon.

 

Chez, as you know I've been looking into my wife's Studio (S.A.R now sent) and decided to have a look into her LXDirect as well.

 

I had a chat with Mrs. Bear and had another read through this thread again. When I got to their letter in post 28 and reached this bit:

 

"We believe we have gone to considerable lengths to reduce the risk of you incurring a default charge including sending at least one reminder before default charges are applied"

 

Mrs Bear's comment was, "Yeah that'll be feckin' right." Let me tell you why.

 

Mrs Bear's benefits changed as did the date she got them, so she had to change all her payment dates. When she called and asked about changing her payment date to one week after it normally got paid, LXDirect said, "they couldn't do it and that was it; if your circumstances have changed, Tough!!" :evil:

 

So, just about every month for Gawd knows how long she gets a 15 quid Admin charge.

 

So, to my question... Is this what you are claiming back from them? I'd value any input you have, yours too, Bill.

 

OB

[chezt]

Hi Chez, Bill and others. Hope you're all well.

 

Sorry for butting in. I'll have my own thread on this soon, I reckon.

 

Chez, as you know I've been looking into my wife's Studio (S.A.R now sent) and decided to have a look into her LXDirect as well.

 

I had a chat with Mrs. Bear and had another read through this thread again. When I got to their letter in post 28 and reached this bit:

 

"We believe we have gone to considerable lengths to reduce the risk of you incurring a default charge including sending at least one reminder before default charges are applied"

 

Mrs Bear's comment was, "Yeah that'll be feckin' right." Let me tell you why.

 

Mrs Bear's benefits changed as did the date she got them, so she had to change all her payment dates. When she called and asked about changing her payment date to one week after it normally got paid, LXDirect said, "they couldn't do it and that was it; if your circumstances have changed, Tough!!" :evil:

 

So, just about every month for Gawd knows how long she gets a 15 quid Admin charge.

 

So, to my question... Is this what you are claiming back from them? I'd value any input you have, yours too, Bill.

 

OB

 

I'm claiming back all admin charges ... returned cheque/items returned late fees & fees for arranging a reduced payment.

 

I'm on a DMP with CCCS now & their advice is not to pay any debtor d/debit except the neccesaries .. ie mortgage/rent, gas/elec/water/council tax ... they say you should stay in control of your money & this is exactly what I do now.

 

:o can't believe what they did saying they couldn't change the date .. you woulda thought she could just missed one month payment & then it woulda brought it back in line or summat! jeeeez ... customer services eh!!!

[OldBear]

Thanks Chez, that's what I wanted to know. I'll prepare the S.A.R - (Subject Access Request) as soon as...

 

Look out for my new thread.

 

& fees for arranging a reduced payment.

You are joking, right??!!!

 

What a bunch of edited :evil:

[bill-k]

I think u should use it for your avatar! Your current girly I find a bit spooky for some reason ... think it's the eyes ... dunno why tho!

Funny, I thought it was just me, but I find myself peering into them late at night, and they really do seem to be kinda looking back out here - just moving a tiny bit, looking back at me. :o

[bill-k]

...LXDirect said, "they couldn't do it and that was it; if your circumstances have changed, Tough!!" :evil:

It's water under the bridge now, OB, but when I've had them tell me they were "unable" to do something, I've insisted that they "pass the matter upwards to someone who is both able and willing to deal with the matter properly."

In every case, "unable" translated directly into "unwilling" and I have suggested that they be more truthful in future and say "unwilling" instead of hiding behind a pretence of inability.

Horrid people.

[OldBear]

Sorry, Bill; that 'couldn't' should have said 'wouldn't'. It wasn't a case of being unable, it was a case of being unwilling.

 

Trouble I have is my wife is a bit of a cissy on the phone. I'm doing what I can to change that and make her see the light.

 

Sorry for the minor hijack, Chez. x

 

OB

 

btw. I've started a couple of new threads for my claims, I'd be grateful for any input you chaps may have.

[chezt]

You are joking, right??!!!

 

What a bunch of edited

Nope! They set an arrangement for three months only then you call back after that ... arrange another payment ... n they charge you again!!!

 

Funny, I thought it was just me, but I find myself peering into them late at night, and they really do seem to be kinda looking back out here - just moving a tiny bit, looking back at me. :o

Cor propa spooky!

 

I've insisted that they "pass the matter upwards to someone who is both able and willing to deal with the matter properly."

 

 

Sorry for the minor hijack, Chez. x

 

btw. I've started a couple of new threads for my claims, I'd be grateful for any input you chaps may have.

 

Nay probs OB ... I dunnie mind ... I'll pop by your threads soon matie - thanks for the 'invite!'

[vick*]

My goodness. Well done Chezt, you're in full battle mode aren't you!?

Anyhow, I'm new here, and having been a bit baffled by this whole thread just wanted to ask a couple of questions from the learned members:

 

1. I no longer have a Littlewoods account, but when I did I was right royally shafted by them for a long period of time - am I still ableto initiate a claim against them?

2. If yes to above, do I do the SAR in the same way as I would a bank? And does anyone know where I should send it?

Keep up the good work everyone.

 

vx

[Guest willowb]

Hiya Vick and welcome to the forum:)

 

Yes you send an SAR to Littlewoods for all your financial records dating back 6 years and take it from there. Where you defaulted? If you were then you need to include the removal of the default marker in your request and LBA.

 

 

You need to read this over and over!!! you cannot do enough reading here.....

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

These are the step by step instructions, stick to the time table and if you need help...SHOUT! but be patient as people here are very busy!

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

 

Start a new thread in here. Keep it up to date and then when/if you need help it makes it easier for mods and site helpers (and the care bears:D )to assist you.

 

Good luck

Wxxx

[chezt]

My goodness. Well done Chezt, you're in full battle mode aren't you!?

Anyhow, I'm new here, and having been a bit baffled by this whole thread just wanted to ask a couple of questions from the learned members:

 

1. I no longer have a Littlewoods account, but when I did I was right royally shafted by them for a long period of time - am I still ableto initiate a claim against them?

2. If yes to above, do I do the S.A.R - (Subject Access Request) in the same way as I would a bank? And does anyone know where I should send it?

Keep up the good work everyone.

 

vx

 

hi Vick ... Willow's answered all your Q's (she's a superstar!) but I just wanted to say hi & good luck!

[chezt]

Only one week to go (well to the 18th Feb) for LW to supply a copy of my agreement!

 

Am I right to be holding of amending the POC at this stage?? Presumably if they don't supply then I can write & tell them the debt is unenforceable & just call the whole thing off?

 

I don't wanna get ahead of myself here just tryna get my head prepared for what next IYKWIM

[Guest willowb]

Yes Chezt, if it is only a week then I would wait....fingers crossed hun!

 

Wxxx

[bill-k]

try and read up on the CCA aspect, Chez, as I'm no further down the line than waiting for mine. I believe that, if they are in default, then it's unenforceable until they produce it. But if they are in breach, then not only is it unenforceable, but they are liable to criminal prosecution if they go into court - even if they eventually DO produce it. That is MY understanding of what I have read up, though. Do PLEASE make sure you do the same, because this stuff is all new to me.

[chezt]

try and read up on the CCA aspect, Chez, as I'm no further down the line than waiting for mine. I believe that, if they are in default, then it's unenforceable until they produce it. But if they are in breach, then not only is it unenforceable, but they are liable to criminal prosecution if they go into court - even if they eventually DO produce it. That is MY understanding of what I have read up, though. Do PLEASE make sure you do the same, because this stuff is all new to me.

 

Yes Bill I know ... it's a bit beyond me too if i'm honest! I've also read that you write & tell 'em it's unenforceable then also ask them to repay all monies you've paid them!!

 

I dunno about that bit ... need to seek advice if we get there 'cos it will literally be £1000's! I've been with LW for YEARS & myself & friends/family have had lots of stuff ... I really can't see how you would ask for it all back when they have supplied goods to you .... that does puzzle me somewhat !

[bill-k]

Yes Bill I know ... it's a bit beyond me too if i'm honest! I've also read that you write & tell 'em it's unenforceable then also ask them to repay all monies you've paid them!!

 

I dunno about that bit ... need to seek advice if we get there 'cos it will literally be £1000's! I've been with LW for YEARS & myself & friends/family have had lots of stuff ... I really can't see how you would ask for it all back when they have supplied goods to you .... that does puzzle me somewhat !

I agree, and I'm gonna have to re-read all this when the time comes. I think total repayment is quite posibly taking it too far. Depends on idividual circumstances. I prefer to just use the unenforceable aspect, and the criminal liability to get them to settle on your full terms.

[Guest willowb]

I agree and I know we've discussed this Bill, it wouldn't 'sit right' with me either but that's not to say that you aren't perfectly entitled to do so. There are people who have, have you read their threads Chez? I may try and find them for you after a coffee and a paracetomal!!! Head felt like a rugby ball this morning, b****d cold!!! I've had worse off the kids though, so not complaining. Chez do you find that you get the worst viruses in the spring (off the sprogs) or is it just me?

 

Wxxx

[bill-k]

O.....M......G.

 

It looks like "Man-Flu" has become airborne !!!!

[Guest willowb]

 

Chezt I couldn't find those threads but this quote from Lookingforinfo pretty much sums it up....

 

To be on the safe side, allow two days for the post and then a further twelve working days. You should receive a copy of the original agreement with

both your signature and another on behalf of the original creditor, a copy of

any other document mentioned in the agreement [eg T&Cs relating to the year

the agreement began] and a statement signed by the creditor of the amount

already paid by the debtor, any missed payments and their dates and how

much is still outstanding and their due dates.

 

Whilst these documents are outstanding, the creditor or DCA are not allowed to pursue you for the debt, and you can cease paying during that time.

If all the documents are not received within the time limit, the debt is in default and cannot be reinstated by the creditor with out a Court Order.

After a further 30 days expires, the creditor has committed an offence into

the bargain. Now, not only will they have to explain to the Judge why they

have broken the law, provide proof that they do own the debt, and the

Judge agree that they are allowed to pursue you for the debt [and it is not

always granted] but the creditor is liable to a fine of up to £2500. So if you

have a smallish debt, and the creditor has not produced the required

documents, they tend not to go to Court since they will pay more in fines than they could collect.

However if you take them to Court, whilst they will still face a fine, they will try to make sure that you will have to pay them.

 

Wxxx

[bill-k]

Willow - that is typical you. Thank you and well done !!! I'd hate to be in their shoes once the paracetamol's kicked in !! :o

[Guest willowb]

even with man-flu I can still swing my handbag!!!!

 

Wxxx