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Littlewoods non CCA compliance


mnrbig
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  • 1 month later...

Well what do you know, they have sent me a default notice. That is a little unfair. I just can't get my head around these people. They ignore all my corespondance and then default me.

Just some guy. I try to help, but all advice is my opinion.

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Hi, they did the same to me. I'm in a battle with them now as they want until end of June to do Sar, bearing in mind they've had since 7th March. ICO being notified. No agreement has been sent either from NDR who were collecting on their behalf. Everyone who is dealing with Littlewoods are being told that they have been unindated with requests and they need more time. I wanted to do this by the book, just wanted to reclaim charges and then pay balance,however, as Littlewoods have been deliberately uncooperative I feel the debt is unenforceable.

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Are you claiming against the littlewoods catelogue or visa? I have a littlewoods visa and dont know what address to send too?

 

 

Hi it's the catalogue. You should have a contact address on the statement. You will proberbly find it is the same one as Barclaycard.

Just some guy. I try to help, but all advice is my opinion.

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Please Please Please can someone help?

 

I recently requested statments going back to about 4 years saying they had 40 days and sent a £10 cheque.

Thats acknowledge saying they were dealing with my situation.

I rung last week to say how things are going and the lady said it had been sent to a department that day and they were looking into my case.

I however just rung again as their 40 days are now up and was told that there isnt anything being done no notes and that they only hold statemnts upto june last year and it was my fault i didnt keep my statments!!!!

So now what do I do they are trying to fob me off obviously.

I dont know what letter to send now.

Has anyone else had this problem?

 

I would be greatful for your help.

Sorry to gatecrash I cant seem to access a link to start a new thread.

kind regards

 

kerry

 

Studio Cards WON!!!!

Now battling Halifax and Barclays and Littlewoods

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Kerry

 

Kays and Littlewoods are a laugh a minute. I'm dealing with Kays for my daughter and Littlewoods for me.

Littlewoods. Issued SAR 7th March they want until end of June.I also sent a CCA to NDR as they were on my back. No agreement, they sent me an agreement with my name typed on with their terms, no signatures, they are getting desperate. I've written back told them to get lost basically, am now waiting for a reply.

Kays (same group). They did exactly the same except when I sent the bog off letter they sent all the statements back. Amazing.

 

I think its up to you how you play it basically, because I think at the end of the day there are no agreements so no debt, however, your charges may be more than the debt.

 

Good luck.

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  • 1 month later...
Well what do you know, they have sent me a default notice. That is a little unfair. I just can't get my head around these people. They ignore all my corespondance and then default me.

 

Default for what?

 

Have you stopped paying the bills, while you claim?

[COLOR=#2e8b57][B][SIZE=1][U]Claimed & won so far[/U]:-[/SIZE][/B][/COLOR] [COLOR=#2e8b57][SIZE=1][COLOR=seagreen][U]Banks[/U]:- NatWest Personal £1000, Natwest Business £2000, Lloyds TSB Personal £1500, [U]Mortgages[/U]:-Central Capital (PPI) £500, Natwest MEAF £140 [/COLOR][COLOR=#2e8b57][U]Credit cards[/U]:- HSBC Gold card £365, Capital One £599.55 Barclaycard £1070 ( i only aske for £700) , Lloyds £500 [U]Catalogues[/U]:- Littlewoods Direct Flex Account £60 :D [/COLOR][/SIZE][/COLOR] [COLOR=#2e8b57][SIZE=1][B][U]For Friends[/U][/B]:- Natwest £1500, £1800 & £500, Cap One £600, Barclaycard £400, Solutions £100, Aqua, £105.[/SIZE][/COLOR] [COLOR=#2e8b57][B][U][SIZE=1][COLOR=seagreen]Pending:-[/COLOR][/SIZE][/U][/B] [COLOR=seagreen][SIZE=1]Barclays Bank Personal (On hold - Thanks a lot OFT) :mad:.[/SIZE][/COLOR][/COLOR]

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  • 1 month later...
Have you stopped paying the bills, while you claim?

 

No, I am not claiming. I stopped payment after the 42 days were up.

 

I finally got a reply to my request. They sent an unsigned copy the agreement with my new address written in.

 

The account has now been handed to what seems to be an external agency for collection. I have been threatened with court action. How scary!:grin:

Just some guy. I try to help, but all advice is my opinion.

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  • 3 months later...

Well what do you know, got a letter from fredrickson Int about the oustanding money.

 

Thought I'd send them this and see what happens

 

"With regard the above account, I do not acknowledge any debt to yourselves or any company you claim to represent. Further, for your information, I wrote to Littlewoods Finance company and made a request under s.78 (1) of the Consumer Credit Act 1974. for a copy of the executed agreement for this account. I understand that under the legislation contained within s.78 (1) Consumer Credit Act 1974 s.78 (1) for running – account credit I am entitled to receive a copy of the credit agreement on request.

 

 

Littlewoods Finance Company Ltd has failed in their obligations under the act, to supply me with the requested signed credit agreement and as such, I would presume one doesn't exist.

 

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

 

For your information, I will not be corresponding further with you about the above matter, as this account should not have been passed to yourselves for collection as it is in dispute"

Just some guy. I try to help, but all advice is my opinion.

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