Jump to content


  • Tweets

  • Posts

    • Absolutely. They must take responsibility for the return. It's nothing to do with you. You don't want to send something off – and then find that it's not delivered an then you have another argument on your hands because it would probably be down to you. You must wait until they respond and either they make a reasonable arrangement for the return – which doesn't cost you anything – or they tell you to keep it – or something. The important thing is that they become responsible for the return and if you end up sending it yourself, you are simply following their instructions. In terms of the credit card, well done – that you didn't pay by bank transfer, for instance. Get hold of the credit card company and begin the process of a section 75 claim. If they ask you if you have return the item yet, tell them that you have made strenuous attempts to reach the retailer and they are not responding and that you have a paper trail to show the messages you have sent which to date have not received any reply. I suggest that you read our customer services guide before you start doing anything on the telephone. You've been here since 2016 so you do that already don't you?
    • Have received a letter from the tribunal service advising that my defence has been submitted to the claimant and more info will be provided if they wish to pursue. 
    • Hello DX   I am back seeking your help  . . kindly.   After the last CMD on 17 February we were given 21 days to submit the following:   1.    written note of my niece’s defence to specify:              a.    When and by whom the settlement amount mentioned in the initial defence was paid.               b.    Explaining the specific issue of the default Notice, if you remember they said in their case that it was issued.               c.    Specify the amount and dates of the bank’s charges that are in dispute.   2.    Should we need to call witnesses, I presume for ex-partner or HBOS, we can do that on Form 10A   3.    We can seek order from the court to HBOS to submit documents, Form F10B.   I need to submit a new defence without emphasising the role of ex-partners for two reasons. One, he might not paid the settlement. Two, he is the forces and it is unlikely we can locate where he is even to get a witness statement from him.   I would appreciate your thoughts to see how best to present the new defence.   I have few days yet as I need to submit before the end of the 21 days (I worked out to be 10 March).   I could upload the pdf file of the notes of the last CMD, sensitive information Redacted, for your to have a glance at it.   Thank you
    • Holders of Wyelands' 35 and 95-day notice accounts will be paid until the end of the notice period and savers who held fixed-rate accounts will be paid up to the end of their term. View the full article
    • This deserves a careful read https://www.theguardian.com/society/2021/mar/04/vaccines-tweaked-for-covid-variants-will-be-fast-tracked-safely-says-uk-regulator   My admittedly reading between the lines interpretation: So effectively, modified vaccines generally have needed to be demonstrably as 'efficacious and safe as prior versions. The UK is stating that future vaccine approval will not require that, unlike is needed in almost all developed nations.   Is it because they are:   * 'artificially or by use of selective data boosting the claimed efficacy of the existing vaccine and understand that new versions are very unlikely to match those claims and they dont want to get caught out if theycan avoid it   *Quite sure that new variants of the virus will be beyond the efficacy of new versions of the vaccine   * Simply cant be bothered with all this proving it works malarky   All the above?
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies
  • Recommended Topics

Help!! Littlewoods harassment started so soon!


Please note that this topic has not had any new posts for the last 1053 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello, I’m very sorry I don’t think this post is in the accurate place, I couldn’t find where I needed to post.

 

I have an issue with Littlewoods and Very. I have been with them for about 6 years, I owe £6000 to Littlewoods and £500 to very.

 

I have always maintained payments up until 10 days ago when I have missed my first littlewoods payment due to have some financial difficulty. I received a few text messages from them saying they haven’t received my payment, which was fine.

 

That was until today, I have now unplugged my home phone because I was in double figures on the calls I had received, they now have started to call my mobile as they are not getting anywhere with the home phone.

 

I can’t afford to pay them anywhere near the amount that they want but I don’t know what to do or where to go from here now to protect myself and my family.

 

The calls started at 8 o clock this morning and haven’t stopped since, any advise would be greatly appreciated and I again I’m sorry for posting this in the wrong area.

Edited by fkofilee
Spacing Added
Link to post
Share on other sites

Welcome to CAG :)

 

Ive moved your thread - Dont worry about it being in the wrong place :)

 

On your mobile do you have a full log of the calls that have been made? If So write them down and post them up... Id like to see how many times they have contacted you!

There are rules against arrears and contact methods.

Most of that falls under Section 7 of the FCA CONC Sourcebook :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Hello,

Thank you for your kind welcoming,

 

I have only received one call on my mobile since they switched from calling the house phone, I’m unsure how many times they called that as I unplugged it because nobody else uses that number,

 

They called me on my mobile at 13:07,

I just let it ring out because I knew it would be them too.

 

This morning when they called the home phone at 8, it’s school morning rush hour, and I didn’t really want to have a conversation with littlewoods when my children are running crazily around the house.

 

I would understand if this payment was months overdue but it was due on the 6th.

 

Thank you for getting back to me and for moving my post :-)

Edited by dx100uk
Spacing
Link to post
Share on other sites

Pop up online to you accounts and remove your numbers on both accounts

Put in a fake number of you can't leave it blank

 

Don't forget £12 penalty fees and ppi reclaiming

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

And don't talk on the phone about debts ever!

 

Esp to a no powers debt collector

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I will do that,

PPI was already checked on the account and it was found to have none apparently however they have charged me £12 lots of times for paying the day after the due date.

Do I write to them to tell them I can’t afford to pay them?

Thanks again

Link to post
Share on other sites

I will let DX help you on this - Very clued up on this :)

But also go take a read of what i told you - When being dealt with in arrears - a company must treat you fairly - But harrasing phone calls etc - This is not fairly.

But if you do need any advice or clarification on the rules - Please do shout.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Fko carry on

I'll be around later to detail things randg9...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Wonderful - that i will :)

 

So now that you will get some peace - They will now send you a letter telling you are in arrears. This is normal.

What is your current monthly payment?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

The monthly payment for last month was £206, there has been a new statement issued from customer arrears team stating that I need to pay the £206 to bring the account up to date and also the new statement balance of £226 which also includes the £12 charge for late payment, so the amount they want off me now is £431.45 to bring the account up to date.

Link to post
Share on other sites

So you are in first stage arrears. One or 2 missed payments.

Do you think you can catch up?

 

Any late payments will be reported on your CRA.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Yes this is very early on,

I won’t be able to catch up,

my husband has taken a cut in pay and hours and we are now just surviving,

 

I need to ensure that my mortgage and priority bills are paid,

this is going to carry on for the foreseeable until financially my circumstances improve,

but obviously that won’t stop them because I owe them money.

 

I can understand that but the charges are going to be going on every time I miss them along with any interest they want to put on,

I was unsure whether to carry on like this for now or whether I needed to write to them or where to go from here.

 

The late payments on the CR is totally fine, well not fine but it’s not something that I am overly concerned about at the minute.

Edited by dx100uk
spacing
Link to post
Share on other sites

As you already have a Mortgage then this wont be an issue.

And yes please do keep priority bills up to date. Mortgage / CT etc is KEY!

 

Not a mail order account which inst a PRIORITY DEBT.

 

Their charges can be challenged and removed. £12 etc

 

You can write to them offering £x per month based upon an I+E that you have completed.

Dont be worried if you can only offer them £1 a month for the foreseeable future etc. If they sell to a DCA - Then no matter :)

 

If legal action is bought - We can help defend :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

That’s what I shall do,

I will write to them offer them a small payment amount per month and then we shall take it from there.

Yes of course priority bills are up to date,

Thank you very much for getting back to me

Link to post
Share on other sites

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 The National Consumer Service

 

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

Link to post
Share on other sites

and if they don't accept your offer [say

 

have you got any other consumer debts?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Andy thank you.

Ok that’s what I will do,

I will check out the template letters for a brief outline of what to put and how to put it. I will do that and keep you updated on any correspondence I receive or don’t receive as will lol probably be the case.

Thank you all for all your help and guidance.

Dx no consumer debts just a littlewoods and a very but I’m certain they are the same shop direct company, I missed the very payment so I’m sure I will hear off them too soon.

Link to post
Share on other sites

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 The National Consumer Service

 

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

Link to post
Share on other sites

Yes...send the template to both for each account.

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 The National Consumer Service

 

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

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...