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    • On 9th April last year I contacted Littlewoods to get a 3 month payment holiday as I was in the vulnerable category for covid and was having to pay to have things brought to me etc..  My finances had been seriously affected.  While on the call I happened to say that I just needed a few months breathing space...which they latched onto.  Apparently they had a "breathing space" system whereby they held payments for 3 months and then you had to pay all the payments in one go.  That's not what I wanted and they never advised me of all my options simply used this because I used those 2 words.  I got no letters advising on conditions etc and after 3 months they asked for 3 months payments which of course I couldn't pay at that time.  I would add that I had paid over 250 during that time on bnpl items and my account was never in arrears for all the years I had been a customer of them.  They gave me a credit of 3400 but I had only used 1700 including bnpl which interest is front loaded so no relation to the balance that was owed had I paid off the bnpl items during the alloted time...which I had always done and had done during this 3 month period too.  Unfortunately this started a whole nightmare of events for me.  As I say before this my account was not in arrears and they actually put me in arrears by not giving the required payment holiday.  I then suggested that if I took a 3 month payment holiday I would be able to pay those arrears off and that would sort things out.  They refused......because I was in arrears.  Arrears that they had put me in!!!  A long battle of complaints started.  The complaint handler even said she really sympathised with me but if she upheld the complaint she would be held personally responsible.  What does that mean?  I'm now done with them and want to take this to court.   Anyway they have not done anything to help and, remember, I am in the vulnerable category for covid and had to isolate.  This seriously affected my mental health.  I had suffered financial difficulties when I was diagnosed with a life threatening condition in 2012 and had problems during that time.  I have worked very hard to get my credit file into good order and they have trashed it.  They have now sold the debt to Lowells.   The debt includes front loaded interest that was not due to be paid until after they sold the account to Lowells.  I have complained about this and they have told me that I signed up to this in my terms and conditions.  I have no copy of the terms and conditions and they didn't send it.  I am now of the opinion that I need to take this to court as the account was opened around 2016/17 and UTCCRs would have applied....and I believe this would have fallen squarely into this area.   The problem I have now is that I am unaware of what to do to get all the relevant information I need as they ask you to deal only online as so many things have changed.  I have been sending my complaints to Lowell..  They are entering bad markers on my credit report and I want to sue them for that due to them not following the required instructions by FCA at the time they applied this breathing space mess.  This has been a nightmare for me and I would be really grateful for help.  Do I sue Lowells or Shop Direct?  Lowells are trashing my credit report but Littlewoods were doing that previously....or do I sue both of them?  They're both liable as both taking part in this when the figure is wrong.   They are refusing to refund the interest and I have asked for the charges they have charged me to be refunded.  They refused to do this.  THe complaint was dealt with within a week and they have relied on t&cs.  So its not been investigated thoroughly and fairly.   Can somebody give me some pointers as to where to start please?  I am serious about taking this to court.  They are ruining my life and I wont be able to get any credit in the future when I need a new car.  As I'm now disabled this is a tragedy for me as I live in a rural area. This is the only business that I dealt with that has behaved this way.     Thank you in advance.
    • ofcourse you can ring and chase regardless to not being an active customer what address did you send the SAR too?    
    • they haven't bought the debt, the letter says our client ... UPS never enter into any pointless letter tennis with a DCA   DCA's are NOT BAILIFFS  and have ZERO legal powers on ANY debt - no matter what it's type.   dx  
    • There was nothing other than that letter from DCBL before the Claimform, that doesn't look like a compliant Letter Before claim
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CSA unresponsive please help


CHMH
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Please can someone help,

I have been pulling my hair out with the CSA since January this year, I have been waiting for them to review my case regards my payments and overpayments and in that time my child well now 18 has left full time Education.

 

I have now tried to get them to look at my overpayments and either tell me if I owe or they owe me. Due to me changing jobs and my basic changed for the previous years.

 

 

I have chased called spent loads of hours on the phone to either be neither better off understanding or phone being cut off after ringing for over 30 mins each call.

Please can you help, 

 

I have been trying to get information on my CSA overpayments from the CSA and they have not responded since January of this year.  in that time my son has left full time education and I have asked them to get in touch. 

 

one

so I don’t have to pay anymore and

 

two,

to look at the overpayments I have made due to arrears on my account.

 

For each case no one has responded to say yes you don’t need to pay and two you have overpaid, which I have provided bank statements Of payments I have made.

 

please help 

 

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Welcome to the Forum

 

I have moved your topic to the appropriate section .....please continue to post here to your topic.

 

Andy

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Why dont you send them an sar?

 

that way if they fail to comply within 30 days  you are entitled to complain ro the ICO and launch a court claim

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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... 

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https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Csa sar&oq=Csa sar&gs_l=partner-generic.12...337603.341306.0.343327.7.5.0.0.0.0.1060.2706.0j1j4-1j2j0j1.5.0.csems%2Cnrl%3D13...0.3702j2657486j7...1j4.34.partner-generic..6.1.1058.6TOwaGPNWR4

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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... 

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Maybe things are different in Scotland (where I am), but don't the CSA simply act as an intermediary? Meaning they don't actually hold your money, they simply pass what you pay directly on to the recipient. Assuming they don't keep any payment over and above your agreement, they wouldn't owe you, would they, your former partner would, potentially. Maybe that's the crux of the issue, they have held onto the overpayment.

 

Mods, please delete this if I've misunderstood or added confusion.

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I pay directly to my ex partner into her account, the figure I was informed to pay by the CSA, I changed jobs (higher wage) and the amount increased (CSA) and then got made redundant and moved back to my old job,

they were looking at the figure I was paying as it my job salary was lower,

in that time I kept paying even though I was on a lower income. And they were reviewing it since January,

what they didn’t tell me was all the payments I made directly into her account they never countered for. So I had to prove I made those payments, hence the bank statements with proof.

in that time my child left full time Education and I still have had no reply from January and I have been calling them to resolve it, to no avail.

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