Littlewoods Catalogue - Reclaiming Costs

[Stigman]

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

 

[BankFodder]

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

[dx100uk]

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

 

 

[Stigman]

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

 

[dx100uk]

When did she open the account?

[Stigman]

Approximately two or three years ago

 

Last payment was 6 to 8 months ago

[dx100uk]

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

[Stigman]

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

[dx100uk]

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

[Stigman]

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

[dx100uk]

Sar to oc

[Stigman]

Thanks DX

 

[kkatiew]

Hi, sorry for jumping on but have you got an email address for Littlewoods or Ahop Direct please ? Thanks

[dx100uk]

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