Me vs Littlewoods Catalogue

[kennyparkroad]

Well today is the deadline i gave littlewoods to have their "investigation" completed or i would resume legal action (but have yet to check my post at home)

 

now the problem is

 

would it be seen to be bad on my part starting legal proceedings again WITHOUT being notified of the result of their investigation???????

[stadium_arcadium]

Maybe a gentle reminder, give them another 7 days, just to show you are being reasonable?

[kennyparkroad]

yeah i have a number for them, might just phone and aggro them and send them a follow up fax

[skintannie]

I wish i had your nerve KPR, i'm fighting Fredrickson Intnl and Kays and starting to get cold feet. Good luck mate.

[kennyparkroad]

well ive just phoned the complaints department. and have been told they WILL have a response to me by no later than... 27th September.

 

The person (holly) who is dealing with my complaint is on holiday (nice for her)

 

so.......

 

Do i start legal action now, or wait for their response, speaking to my solicitor he advised me to wait for their final response as it can go 1 of 2 ways.

 

 

1 - they will back down, realise they are in error and remove the default

 

or

 

2 - they will refuse giving me another piece of ammunition for the courts, and more of a case for compen too.

 

 

So i guess im waiting till the end of September.

[mrsc]

Good luck Kenny

 

I have read your thread and am subscribing.

 

I too am dealing with Littlewoods for Myself and also my daughter but I am just starting so have a long way to go.

[kennyparkroad]

any thoughts on if i should listen to my solicitor lol

 

or just start shooting

[ODC]

any thoughts on if i should listen to my solicitor lol

 

or just start shooting

A couple of warning shots accross the bows should be ok.

[kennyparkroad]

was thinking of putting something like.

 

After discussion with one of your telephone operatives, i have been advised that you aim to have your response to my complaint to me no later than the 27th September 2007.

 

As you are aware this date is outwith the deadlines set by me in my previous letters, copies of which are enclosed for ease of reference.

Notwithstanding that, following the advice of my solicitor, i have now decided to suspend all further legal action until your investigation is complete, however if no response is recieved by 27th September i will instruct my solicitor to commence legal action against your company without any further warning or communication.

Regards

KPR

 

 

 

thoughts?

[kennyparkroad]

makes them aware that i am in contact with my solicitor (which i am!)

 

im fully 100% ready to take them to court, and we are working on the papers for that now because my solicitor and myself think they will give me a "bog off" letter lol

 

i actually want it to go to court, is that evil! Lol

[riggers1980]

hi all new to the site,

 

i sent off a cca to morcrot regarding a littlewoods debt and recieved the following letter, just wanted to know where i go from here regarding getting the information off my credit file logged under littlewoods and littlewoods finance......

 

the letter reads

 

 

Dear Mr xxxx

 

re: moorcroft ref:xxxxxxxxxxxxxxxxxxx

client ref: xxxxxxxxx

 

i write to confrirm that our client (littlewoods ltd) has been unable to supply a signed credit agreement for you. we hae therefore returned pament you have made (they sent back the £1 p.o)

 

we accept that under the section 127 (3) of the consumer credit act 1974 this debt i therefore unenforceable via a court order. we must inform you however that the account still remains outstanding.

 

it isour understanding that goods wich have been charged to your account hae be ordered and delivered to you. we can confirm therefore that a default remains in relation to this account and wouldremind you that makig payment to clear the balance may assist in relation to your credit hitory.

 

please confirm that you accept that goods were oredered and received and let us have your ettlement proposals.

 

yours sincerely

 

mrs k dyde

operational support supervisor

[2Grumpy]

How about offering, say, 5% as FAFS provided that all comments are removed from your CRA file?

[kennyparkroad]

can i suggest that you please start your own thread. i am not yet finished with littlewoods and dont want to confuse people.

 

Start your own thread, pm me the link and ill be glad to help.

[groovychickmum]

sorry KPR, aint highjacking lol,

hey riggers, if you click on my name then scroll to my threads, i think i have one on catalogues......i too was sent no agreements,but we still want payment, basically tell them 'see ya', they cant do anything to enforce it, and they know it.

[ODC]

Hey Riggers I started a new thread for you here

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/111943-riggers-1980-littlewoods.html#post1096408

[riggers1980]

sorry kenny new to this forum thingy,

 

next question is on riggers1980 vs littlewoods (me thinks)

 

http://www.consumeractiongroup.c o....#post1096 408

[kennyparkroad]

UPDATE

 

well i got bored and phoned the Information Commisioners Office to check on the status of my complaint.

 

She said - i see you recieved notification in mid July,

 

me - thats right

 

her - it hasnt been assigned a case worker yet, and currently they are still dealing with complaints from end of march this year, beginning of April, so it will be a fair while before you get anything, infact i would be suprised if you get a response this year.

 

Me - right ok, well thats that then, bye.

 

so yeah they are still dealing with complaints from March, but my question is this.

 

Does this affect my court case when i take littlewoods to court?

or do i simply state that the volume of complaints is hindering their ability to make a decision?

[kennyparkroad]

UPDATE

 

well i decided to phone Littlewoods today (they have until the end of Sept to give me my decision)

 

the person dealing with my claim said

 

"although no final decision has been made, it is the companies stand point that the default will probably not be removed regardless of no agreement or applicable terms and conditions"

 

so if this is what they say im their final letter, i will have no choice but to take them to Court.

 

i think everyone would agree ive exhausted all other options?

 

this has been on going since December last year, in which time i have contacted them, i have done their formal complaints procedure, and i have written to the company secretary, written to Experian, no go there either

 

any other advice, because i honestly think if thats what comes through in writing ill have to rely on Court.

[kennyparkroad]

BUMP

 

where are all the people that used to rush to my aid

[shane5408]

BUMP

 

where are all the people that used to rush to my aid

 

 

Hi Kenny,

 

i'm sure in the back of your mind you probably knew as i did they wouldn't budge for anything less than a claim against them. it is unfortunate that in the case of having defaults/adverse credit data removed the debtor almost always has to instigate a claim against the creditor/dca to get it removed.

 

On a more positive note, as you mentioned you have indeed exhausted all other means to get this resolved out of court which will serve you well when the claim is read by the district judge, you need to demonstrate that court is your last option. I would suggest now sending a letter before action to them; explaining the legality of why the default was incorrectly served etc etc, how despite numerous attempts to settle this matter out of court no favourable outcome was achieved and if the probelm is not rectifed within the next 14 days you will issue legal proceedings against them. Something to that effect, just don't make the letter to long!

 

regards,

shane

[shane5408]

Hi Kenny,

 

i'm sure in the back of your mind you probably knew as i did they wouldn't budge for anything less than a claim against them. it is unfortunate that in the case of having defaults/adverse credit data removed the debtor almost always has to instigate a claim against the creditor/dca to get it removed.

 

On a more positive note, as you mentioned you have indeed exhausted all other means to get this resolved out of court which will serve you well when the claim is read by the district judge, you need to demonstrate that court is your last option. I would suggest now sending a letter before action to them; explaining the legality of why the default was incorrectly served etc etc, how despite numerous attempts to settle this matter out of court no favourable outcome was achieved and if the probelm is not rectifed within the next 14 days you will issue legal proceedings against them. Something to that effect, just don't make the letter to long!

 

regards,

shane

 

 

 

Thank you for your letter of xxx 2007, the contents of which have been noted.

 

Please be advised that all legal action on my part has now been suspended pending the result of your enquiry, however please note that action may again be resumed without further notification to yourselves if no resolution can be met or if your enquiry takes longer than 21 days.

 

 

just read the above from the letter you sent to them, you won't need to issue an lba, you have been patient enough with them i think!

[kennyparkroad]

thanks mate

 

what ill do is wait for their final response,and comment further.

[ODC]

thanks mate

 

what ill do is wait for their final response,and comment further.

I think Kenny you have had all the response you are going to get from Littlewoods

[conar686]

Kenny to be honest I was waiting to see how you got on as I'm in exactly the same spot.

 

IMHO, as soon as they get your court docs they'll fold & remove the default, they're just being stubborn becasue they can.

[TheAnalyst]

I'm waiting to hear from Kenny too, I'm getting nowhere with Littlewoods at all.