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Laura Cooke
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Do you have to send £10 for each sar from catalogue companies? how do you know which company are related to which? such as Littlewoods, Great-Universal, Studio Cards, such as Studio Cards why is it that you can claim the administration costs back, I thought this was a charge allowed for allowing you to pay monthly?

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Not necessarily. the £10 is the maximum any firm can charge for providing the information, and just last week my speculative SAR request asking for the information but noting that if there were errors I'd be seeking reimbursement of my SAR fees, resulted in them providing the information at no cost (Halifax & MNBA). Some can prove sticky, but for the cost of a stamp, it's worth the effort to ask them to provide the information, and wait for them to advise any charge (if appropriate).

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Sorry to be a pain but any idea of the list of catalogues I have provided on 31st October whom is related to one group if I apply to Littlewoods is the others part of Littlewoods group? if not who are they belonging to and do you need to know account numbers? as I have none

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Yes - it is available on this site's 'Template's' Section - I only modified it where I was offering to pay them £10 for the information, I removed this to ask if any fee was required by them for the information (it might only be £5!), but as I mentioned, two gave the information for free. Regarding which companies are related to whom, you'll need to visit their websites to see who the holding companies are - If three are owned by Littlewoods, send a single S.A.R - (Subject Access Request) request, giving the three A/c numbers. All data should be provided for the same fee.

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You've a problem! You could contact each firm individually and ask them if they could identify your account number and advise. If the details still exist they could let you knoe and you could then consolidate them, but if you have know records going back to provide these details, your chances of success are slim.

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Need some advice on Littlewoods, I had a debt with them which I was paying £8 a month standing order from my bank on the 28th September I received a debt letter from Wescott stating I had to pay £119.92 I rang them they said I`d missed payments so account was passed to them I rang Littlewoods who said they had not received June or Septembers payments. I paid Wescott off and investigated my on line statements showed no payments had been missed, I rang Littlewoods since then it`s been a shambles stating that they had not had any correspondence from Westcott showing I`d paid the debt off all sorts of excuses etc, meanwhile another £8 goes out my bank to them on the 5th October. This meant I paid Westcott £119.92 this included the June & September payments that Littlewoods say were missed but infact they had already been paid this and also the October 5th payment that had gone out to them before I managed to stop payments meaning I have overpaid them by £24. I sent Littlewoods a letter and a copy of the statements as they requested this these were sent recorded delivery on the 9th October I have rung twice they state their records have not been updated, they have not had June`s payment still but admit having the others and they say they have had no letter and bank statements off me which they have they were signed for on 11th October, they say the most they will owe me is £8 but it`s £24 any advice appreciated it`s the principle here not the money they are being arrogant and total liars about my money and correspondence, now they want me to send bank statements again why should I? they have had them!!

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Your problem was dealing with Wescott at all - this adds an additional complication to an already complex administration minefield. Forget about 'proving' payments by sending statements - provide them (by letter) with the dates and amounts paid, and the amount you paid Wescott, to reach a total amount due to Littlewoods. Explain you have alreadt sent some statements, but as this matter has not been handled to your satrisfaction you will stop the monthly payment until they confirm they have received the payments listed and have credited your account accordingly.

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Buzby you have misunderstood me The debt is paid off I was paying a monthly amount by standing order with my bank to Littlewoods, but suddenly out of the blue i received a Westcott deby collecting letter I paid The remainding balance off to them but meanwhile found out that it wasn`t true that payments had been missed by the bank the reason given for it going to Westcott. Littlewoods admit they have had the balance off Westcott (They didn`t at first)

My account is now clear what my argument is I sent the full amount owed which included the payments they said had been missed in June and September so that was £16 I had paid over meanwhile whilst this is going on my bank sent another £8 for the 5th october payment so all in all they have had £24 extra I have requested it back and sent copies of my bank statements by recorded delivery, which they deny receiving yet they signed for them on 11th october they maintain I have only overpaid by £8. They are asking for statements again which I am not prepared to send as how can I be assured this fiasco will not continue with them keep denying having received things? I have no idea what my next move is

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How much was paid to Westcot? (You said you 'paid them off'). What isn't clear is did Westscot pass the money they demanded to Littlewoods? If not, this might explain the difference. As to LW saying they want to see your statements again - I do think once is enough. If you've overpaid by £24 and have the bank statements to prove it, the first thing you do is find out if they've wrecked your credit record because of this, and (2) Make a written demand for your overpayment, back. If they don't send it within a reasonable time, go to the Small Claims court and get it that way.

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Paid Westcott the full amount left to pay debt off which was £119.92 they did pay this to Littlewoods and they have confirmed they have now had this. I demanded my money back on 9th October by letter sent the statements from my bank clearly marking that all monthly payments had been made and none ever missed, he was still saying today "Not had June`s payment" I told him I would make a claim in small claims court he silently chuckled!! how much would taking it to court cost me and would I get this back along with the £24, they might ignore that as they have everything else, I mean the arrogance of them today stating that had no contact from me when infact they signed for the letter I sent on the 11th October, all they keep doing is fobbing me off with a different excuse everytime I ring, thanks for keep advising very much appreciated

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It wont cost you very much to issue a summons in the county court, If you win in court Littlewoods would have to pay your court fee costs plus up to £50 expenses.

 

If you lose it could cost you 3-400 Pounds for their costs,but if you are absolutely certain you can prove they owe you £24 :00 Just go to the court and issue the summons.

Theyll pay up plus your court fee.

 

Sparkie 1723

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Whilst it is true 'the loser pays' in the Small Claims track this is very mich at the discretion of the Judge, so for such a simple action and small amount, even in the unlikeley event of you losing, your personal loss would only be the amount you paid to raise the action, nothing more. In Scotland, our Small Claims track is just £7.50 for amounts under £50, so I'm sure the English equivalent will be similar. You'll find the court office most helpful in form filling, OR you could use the online MoneyClaim service.

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It wont cost you very much to issue a summons in the county court, If you win in court Littlewoods would have to pay your court fee costs plus up to £50 expenses.

 

If you lose it could cost you 3-400 Pounds for their costs,but if you are absolutely certain you can prove they owe you £24 :00 Just go to the court and issue the summons.

Theyll pay up plus your court fee.

 

Sparkie 1723

 

Sparkie, you are making this scarier than it is. Awards of costs in small claims is at judge's discretion, and usually if claimant has been vexatious. SO no, it will NOT cost "3-400 pounds" to Laura. If defendant were to even try to claim that type of cost for a less than £50 worth of claim, the judge would stamp on them from a great height, and quite rightly so too.

 

Besides, she has proof of all payments she has made. They're saying the June payment's missing. As long as she can show she made payment, how much more proof can she need?

 

Laura, the issuing of claim will cost you £30 for such a small amount, reclaimable (+ 8% APR you add on to your claim). (You may be exempt if you are on certain benefits) If you are serious about it, you need to read up the step-by-step and FAQs in the Library to familiarise yourself with the process.

 

Don't phone them anymore. From now on, you do it in writing., as you'll need to show the judge evidence you have given them plenty of time to sort it out.

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hi was just hoping for some advice from anyone who can prhaps offer some advice.

i purchased a leathe suite from kays catolouge exactly one year ago on a buy now pay later terms.

my account has fallen into arrears and currently being pursued by moorcroft which is fine but the problem i have is during this time i have been really dissapointed with the suite as far as i am concerned it is fit for the skip all the leather is peeling off and all the dye is coming off its really bad.

so i made it quite clear that i wouldnt agree a payment plan until the sofa was either repaired or replaced as i was protected under the sale of goods act 1979 which states goods should be of satisfactory quality and they were in breach of this.

 

some months down the line they agreed to send a apholster round who prepared a report on there behalf.

 

the report came back the sofa couldnt be repared and when would i like the suite to be picked up so i asked would i be getting replacment she said she couldnt replace it as i no longer had an account with them due to it being passed to moorcroft.

 

the point is im not asking for more credit im asking for the sofa i allready have to be replaced as the one i have is of unsatisfactory quality.

how can they expect me to have the sofa picked up with three small children left with nothing to sit on due to there poor quality suite ,yes they are offering a refund but thats not what i asked for.

 

can any one help with this im definatly considering damages/comensation

but am unsure how i do this.

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Just got a few minutes so wanted to thank folk for the latest advice, see my hubbie suffered a heart attack Thursday and as been on ICU so now hese on the mend looked in on here. I will write a letter and warn Littlewoods that if they ignore my request I will file a claim against them any idea how I should word it would appreciate this as right now a bit pushed to see to things myself many thanks everyone

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Have you completed your SAR? Until you have the details from them you cannot really know with any certainty that you have claimed all the relevant amounts. Get this information first, then send your letter of claim to Littlewoods. You'll be surer of your ground, and they'll now you're serious! Glad hubby is on the mend!

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Buzby shall I send this to the address I have been writing to Littlewoods debt collection P.O.Box 6570 L70 1W2? by sending for my sars will they automatically send all details about any of the companies I have had dealings with within their group or do I have to specifically name them? could do with every penny at moment thanks for the help and concern:) did get a letter off Wescott confirming account owing to Littlewoods is now paid off in full and settled

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No - you need to send it to their Data Compliance Officer, if you phone them and ask they might (just!) know, but for the 'real' address, check the website of the Information Commissioners Office ICO - this gives a list of all firms allowed to process data, and the person responsible. In the absence of them knowing, the ICO site is your next port of call.

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I want to send for sars from Littlewoods but have no idea of address got 100 Old hall St Liverpool this commissioners thing could not find anything on there didn`t understand what to do on that site no addresses for any companies so gave up. Will I ask Littlewoods to send details of any accounts they have on me such as with kays I know i had an account with them and Great Universal all in their group, I don`t have any account numbers for them

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