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    • Ok, so as you have been overcharged you now need to be pragmatic and first of all request a refund by making a complaint.  In this first complaint do not go on about what argument you had and what conduct the inspectors were following.  Concentrate on highlighting the fact that you must get a refund because they overcharged you.  People looking at complaints receive thousands everyday and anything longer than a few lines is usually misunderstood.    After you receive your refund, then you complain about the conduct of the inspectors,  as a completely separate matter. I note that you were offered a refund, an argument broke out and you were escorted out of the station. This will not play in your favour as all inspectors would have taken note of this in their notebook and possibly complete an incident report form with their version of events. Frustrating but that's how it is, that's why I said to be pragmatic. 
    • agree with DX100uk on the reply. Every time I have replied or complained about those firms to the FO and FCA they take an age to come back and even then its with nothing new as they cannot do anything. for what its worth my debt is over 70k and even that has been inflated ! so no worries there. There are many thousands out there in the same situation.   In regards to COB and even Stepchange don't even bother as they have no idea themselves something which I complained to the FO about as CWD and IDR use in there letters to seek advice when they know full well that no charity or debt company know anything about the debt in dubai situation so this is again unfair to be using this. what also annoys me is that nobody ever signs off letters its IDR or Moriaty law etc !!!!    I have never supplied my financial details and never will and only when and if and I will repeat when and if that the debt i owe is purchased by a UK firm or indeed taken through the correct channels or courts then I will defence myself.   It makes me alugh that they think a small c;laims court understands everything that goes on and dont understand the full picture of laws that are broken and sometimes human rights also.   The best one to date for me was in 2011 imagine my new job and my new partner and some stupid collection agency in Dubai send a Fax to my director about my debt !!!! embarrassing but at the same time good to get it off my chest. they then called my partner in her work !!!! (yes this was the first time she found out about everything again good to talk) against the law, against any laws but this is how the banks and the agents work similar to those of CWD, IDR and I think Moriaty    dont pay a penny !  
    • Andy, thank you so much for your help. dx100UK  the date is 25 Jul 19   Is it ok to send now?
    • Your Rent. Bills. Council Tax etc 99.999% important.  Moriarty  0.001% important. Don't take food out of your kids mouth's to pay them.
    • Dx: half the comments they have put are not relevant or apply to anything we have stated. So not about to throw the towel in just yet.
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leedspete

Lowell claimform - old littlewoods shop direct CAT debt

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Hi there Sorry for the bother

 

i have got into arrears with the above catalogue and would like to know how to get them to accept that i can only afford £40 a month to pay back.

 

They keep ringing but i am loathed to talk to them over the phone as sometimes calls can be lost.

 

Any help would be brilliant

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TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387358-Request-to-make-£1-token-payments-for-X-Months-**Correct-as-at-October-2013**

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.http://www.consumeractiongroup.co.uk/forum/showthread.php?387359-Creditor-Refusal-of-£1-token-payment-proposal-**Correct-as-at-October-2013**(1-Viewing)-nbsp


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Is there a place i can get a budget plan from please. What can i reclaim as i have done ppi

Edited by leedspete
adding

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budget planner is in the library

 

 

as for reclaiming

if you have all the statements then anf £12 fees late letter over failed dd phonecall etc etc

 

 

if not sent an sar to get them.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry Again is there a correct address for littlewoods so i can send letters

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shop direct


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Just received default notice from shop direct about a debt

 

i have forgotten to pay due to financial problems.

 

What do i do now?

 

Can i still deal with shop direct or wait till it is taken to court?

 

Any advice welcome

TIA

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its only a default notice

where have you got the idea court is on the way?

 

and OC's don't do court anyway they sell the debt on to a powerless DCA.

 

it tells you your options on the DN.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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No idea on the court date just says payment in full by 16th april or then court

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no it doesn't read it PROPERLY!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It says payment in full or further action will be taken.

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correct.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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where does it say that?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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i am worrying about nothing? Sorry but what do i need to do next?

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yep


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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If you pay by the 16th April then the breach is corrected and the matter finished...the Default Notice must allow a clear 14 days to rectify any breach.

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Sorry it has been a while but the debt has now been transferred to lowell.

Can i deal with them by post and make a offer of repayments by post?

TIA

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why?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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To start a repayment to pay back the debt. Or are there alternatives

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so sold to lowells

have you had notice of assignment letters?

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I have. Shall i scan them to here when i have the chance as i am at work at the mo

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if you wish but don't blindly offer anything until lowells comply to a CCa request


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok to cca request but can i send a chq instead of po

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no read all the CCA link posts


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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