Jump to content


  • Tweets

  • Posts

    • TECHZONE BUXTON LTD overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK TECHZONE BUXTON LTD - Free company information from Companies House including registered office address, filing history, accounts, annual... thread title updated. dx
    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Littlewoods Catalogue - Advice Please


jaxads
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6116 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi - my friend, bless, had a littlewoods catalogue, and now owes them about £150, made up mostly of charges. It's gone to their inhouse debt collectors.

 

She won't do anything, but as I have been successful with the help of this site, I've said I'd help her out.

 

Can I send them the S.A.R - (Subject Access Request) as I would to banks and credit cards (I know I should know this by now!!)

 

Whilst the account is in dispute I understand they cannot do anything. Also, the charges are she thinks likely to come to more than what she owes them, so anything else would be a bonus.

 

Any advice would be appreciated.

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Yes send them a SAR and your £10 payment

I have done the same with additions

They responded very quickly too!

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

Link to post
Share on other sites

Many thanks

 

any idea which address to use for Littlewoods - anyone??

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

I would use the same address thats on the statements

If its not right Im sure they will pass it onto the right dept.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

Link to post
Share on other sites

Hi,

 

Catalogue debts are legally unenforcable. Your friend could do the SAR to see what charges have been levied, this could also be used to establish how much has been paid into the a/c over the lifetime of it and if your friend is so minded she could claim the entire amount paid plus the charges and compensation. Where credit is provided there must be a credit agreement, catalogues never provide one for you to sign, therefore the debt cannot be enforced.Your friend needs to do a CCA request, to obtain a copy of the credit agreement.They won't provide one, only excuses as to why they don't need to, which is rubbish!

 

Tell your friend to get copies of her credit file from experian, equifax and callcredit. They will probably have put something on one of them. This is defamation of character because you cannot record details on the CRA's files for a debt that is legally unenforcable!

 

I hope this is useful.

 

Laiste.:)

Link to post
Share on other sites

Hi - does anyone have an address for Littlewoods - I think its Slaley Avenue, but cannot find any statements to hand!! thanks guys x

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

I've found the address now -- so do you think I should do the SAR and the CCA?? (This is complicated - my claim with halifax was so straight forward!!)

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

The SAR and the CCA serve different purposes. If your friend's objective is to claim back what she has paid into the a/c and recoup charges,then the SAR is essential. The CCA is for the credit agreement.

 

You need to read around the site to familiarise yourself with what you need to do. Of course things will seem less than straightforward until you acquaint youself with the knowledge you need to take this company on.

 

Regards,

 

Laiste.:)

Link to post
Share on other sites

Where credit is provided there must be a credit agreement, catalogues never provide one for you to sign, therefore the debt cannot be enforced.

Hi Laiste,

 

Need to correct you on that. :)

 

I know you're talking about catalogues in general, but what you've said above shouldn't be accepted as a hard fact.

 

Can I just advise that, depending on what you buy, there are occasions when they do provide a credit agreement to sign.

 

My OH bought a pair of sofas from GUS over 100 weeks and they definitely provided a CCA for her to sign and she got a copy back by return from them.

 

Hope this helps.

 

OB :)

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

Link to post
Share on other sites

Hi OB,

 

Always a pleasure! In my very long experience with catalogues they do not provide credit agreements. Perhaps this is a new development, given the value of such goods. I don't mean to insult either yours or your OH's intelligence, but are you absolutely sure it was a credit agreement? If it is, then I need to do some more research on high value goods and catalogues. In the main, these agreements are unenforceable. If you could PM me a copy of the agreement your OH signed, I would be very appreciative!

 

Kind regards,

 

Laiste.:)

Link to post
Share on other sites

I don't mean to insult either yours or your OH's intelligence, but are you absolutely sure it was a credit agreement?

Hi Laiste,

 

No intelligence insulted. :D

 

I don't have a scanner so can't PM you a copy. (I doubt my OH would allow me to do that anyway).

 

However, it's definitely the genuine article. It has everything it's supposed to.

It's signed by her;

it's signed by their representative;

it's dated by both parties;

it shows the amount of credit, the interest due and and the total due back;

it shows the APR and the schedule of payments required to pay the debt;

it has a separate 'YOUR RIGHT TO CANCEL' setting out the terms of the cooling off period, (in this case 14 days);

it sets out her rights, their rights, and gives advice on how and where she should seek advice if either party breaks the contract;

and the biggie...

 

it has "Credit Agreement Regulated by the Consumer Credit Act 1974" plastered right across the top of the page, and...

 

it does contain the advice that it IS a Credit Agreement regulated by that Act and that she should only sign if she agrees to be legally bound, etc, etc.

 

I'd say that it was 100% the genuine article. They've left nothing to chance with this document.

 

OH says she has always had one when buying from GUS. Not only for her, but for her customers when she has been acting as their agent.

 

Hope this helps. :)

 

OB

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

Link to post
Share on other sites

When you say "cash back" do you mean the old style "commission"?

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Hi all

 

I have also had a 'proper' credit agreement with catalogues in the past. One of them (Freemans, I think) wanted the agreement signed as part of the start up process and that was many years ago. Others have sent me agreements to sign only on 50 or 100 week term orders. I have also had many accounts with no agreements, but they definitely do have them in place sometimes!

 

I think the issue is - do they have a copy now? Some catalogue debts will never have been subject to a formal agreement, others may have been but the document may be lost or improperly executed.

 

A CCA request is essential before challenging any catalogue debt, just in case.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

Link to post
Share on other sites

Took some time, due to computer problems, but SAR now finally sent to Littlewoods. Watch this space!!!!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

  • 3 weeks later...

My friend has received a huge bundle of papers from Littlewoods. She has highlighted her charges for "administration" to be £240. These range from £5 to £10 to the occasional £15 charge. Are administration charges reclaimable??? I know I should know this, but just wanted to double/treble check.

 

Thanks guys.

 

jaxads xx

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Are administration charges reclaimable???

If they are making profit from them and you believe they are more than a reasonable amount to cover their actual costs? You bet they are reclaimable. :D

 

Go for it!

 

OB

Please read the Stickies and FAQs. Your question may have been answered already.

 

Old Bear vs. NatWest - won after first letter £600

Mrs Bear vs. Studio - won after first letter £360

Old Bear vs. Abbey - won after first letter - only £50, but it's the principle

Old Bear vs. Black Horse - £117 of charges wiped off 2 loans, but more WILL follow

Mrs Bear vs. Index (Littlewoods) - SAR sent - 2/2/2007

Link to post
Share on other sites

Thanks OB !!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

Hi Jaxads

 

I to am going thru some shenanigans with Littlewoods on behalf of my mother in law. A tip if i may. If/when you SAR them have a close look for something called extracare or extracare 500. Basically its payment protection charched at 1.98% of the balance.

 

My argument is on what authority do they instigate it and it states in the policy on the 3rd month of default, it ceases but they have charged my MIL every month for another two years for a void policy. Just over £500 handed to Debt Managers, £240 in charges, £178 in extracare. I've CCA them too and they default on tuesday if nothing comes. I spoke to debt mangers briefly to find out if the debt had been sold or passed to them and i put the phone down on them before i jumped in the car, drove to scotland and did something i'd regret. They were very ignorant to say the least.

 

I have a thread going but the uptake was very slow but if/when i hear anything i'll let you know straight away.

 

Good luck mate.

 

OZ

If you can read this, thank a teacher.

If you can read it in english thank a soldier.

Link to post
Share on other sites

Thanks for that Oz, I'll double check my statements. Good luck!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

Link to post
Share on other sites

  • 2 weeks later...

I had dreadful hassles with Littlewoods. I had a catalogue and closed my account, paying it off. Five and a bit years later I find the debt is recorded against an old address at Equifax by Littlewoods, and showing in default. I contacted Littlewoods whose only response was to move the default to my current address! They then told me that I had to prove I had paid it etc, etc - clearly basic civil law doesn't apply to them - I just did nothing and a few months later it dropped of my credit file under the six years rule.

 

If I had kept quiet and not asked them about it, I would have been better off as the default would have stayed at the old address.

Link to post
Share on other sites

hi, my Littlewoods account was passed to Moorcroft first who wrote to me and said they couldnt provide a CCA, so the debt was returned to L/woods

 

A few weeks later, Im being chased by Debt Managers Ltd!

 

New CCA request to them going out today

Hi Molly

My son is havng the same problems, I have a thread going about this. In 2001 he ordered good for 150.00 he has since paid back over 400.00 because of PPI and 'Extra -Care". This went to Moorcroft and the Debt Managers. He has sent a CCA and NOT the DCA but Littlewoods have sent back a photocopy of an credit agreement, and then have written his name and address on this, but it does not have his signature, the date is blank as well as his DOB. During this time (paths crossed) Debt Managers have contacted Russel+Aitkens who have informed my son that they will start court proceedeings for a further 395.00 costs made up from late payments charges and PPI etc. He will now be sending a SAR to Littlewoods, but I have been told that the agreement they sent back is invaild, so hold fast I think that you will get the same sort of thing, I dont think that they have any credit agreements.

Link to post
Share on other sites

Hi Molly

My son is havng the same problems, I have a thread going about this. In 2001 he ordered good for 150.00 he has since paid back over 400.00 because of PPI and 'Extra -Care". This went to Moorcroft and the Debt Managers. He has sent a CCA and NOT the DCA but Littlewoods have sent back a photocopy of an credit agreement, and then have written his name and address on this, but it does not have his signature, the date is blank as well as his DOB. During this time (paths crossed) Debt Managers have contacted Russel+Aitkens who have informed my son that they will start court proceedeings for a further 395.00 costs made up from late payments charges and PPI etc. He will now be sending a SAR to Littlewoods, but I have been told that the agreement they sent back is invaild, so hold fast I think that you will get the same sort of thing, I dont think that they have any credit agreements.

 

 

Eeek thats disgraceful :eek: ! unusally my DCA just admitted they didnt have a CCA at all, and I really thought that was the end of it, but apparently they or Littlewoods themselves have just transferred it to another DCA... Hmm I wonder if they can magically make one appear!

 

We shall see, lol

 

EDIT: 03/04/07 - nope, theyre now in default... what a suprise! have started my own thread, see http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/79417-molly-littlewoods-inc-mercers.html#post701653 time to send CCA request to L/woods themselves

 

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...