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Littlewoods Catalogue - Reclaiming Costs


Stigman
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Hi Everyone,

 

My Wife (who has mental health issues) came to me yesterday and produced letters that her Littlewoods Account has been sold to Lowells which I was unaware of how bad things had got, the money that was going supposed to go to Littlewoods, she had been spending on herself and it is also my fault for not checking but what's done is done.

 

I understand that I have been here for many many years but recently have been busy with work and other outside interests and have not followed or kept up to date with all of the latest changes.

 

My main question is that from what statements I have seen is that they have a lot of £12.00 charges on. Can these charges still be reclaimed from Littlewoods?

I have searched and read to no avail, and I cannot find a link in the CAG Library from reclaiming charges either.

 

Kind Regards

 

Stigman

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Years ago during the bank charges campaign which was brought to an end by the decision in the Supreme Court, it was held that bank charges were fair but then there was an additional decision – I think by the OFT – that charges other than bank charges should be capped at £12.

So on that basis, £12 charges are probably enforceable.
However, I expect that my site team colleague @dx100uk will be along at some point to give you better information

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id pers not bother but you could make a spreadsheet using our CISHEET to tot them up

But

when did she take this account out?

have you sent lowells a CCA request?

 

it might be better to await if/when they send a letter of claim. with a reply pack.

 

not got one of those yet have you?

 

dx

 

 

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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Thanks BankFodder and DX.

 

The account has only just been sold so a way off yet from anything happening.

 

On one of her statements it has two £12.00 fees for late payment and letter charges, just think that the two together are excessive.

My Wife told me that she had a phone call from Littlewoods and the agent said that if she brings her account up to date then some charges would be refunded but no name was taken by her, she cannot remember when the phone call etc.

 

Will send Lowells a CCA request

Will also get a SAR running to Littlewoods

 

Kind Regards

 

Stigman

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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When did she open the account?

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

Approximately two or three years ago

 

Last payment was 6 to 8 months ago

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Share on other sites

Really surprised they've sold it on for peanuts so quickly.

makes me wonder if there's something wrong with paperwork or mostly all charges etc

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

It is mainly charges, hence why I was hoping to claim them back from the OC.

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Share on other sites

Well they are only notional charges that would simply be removed from the notional balance lowell purchased.

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

Am sending the SAR and CCA request later this week and will see what they come back with.

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Sar to oc

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

Thanks DX

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

You should never use email...write so you have a papertrail and always get free proof of posting

  • Thanks 1

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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Share on other sites

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