Littlewoods Extra Care Insurance

[Bluuemoney]

Just reading through some of my Littlewoods stuff, wandering what I can add as unfair charges, this EXTRA CARE ADVANTAGE aka EXTRA CARE 500£10 - £11 a month can I add these as well.

I read in the insurance document that if "the date when any Extra CAre 500 premium is not paid " the cover ends, so if I as I have done gone months with out paying them and then resumed payments only to stop again, does this not end the agreement, that I didn't agree to in the first place.

Right or wrong ?

 

Can I add this to the admin charges

 

Love to hear any thoughts

 

Bluuemoney

[christhesparky]

I Might be wrong but i dont think you can reclaim these as it is an optional extra on the account, you could have cancelled them at any time

[babynan]

I Might be wrong but i dont think you can reclaim these as it is an optional extra on the account, you could have cancelled them at any time

 

 

HI, I currently have a thread going about problems with Littlewoods, and one of the things that I have mentioned on there is that Extra Care was added on to the order, did not realise this until checking some of the statements later ( Baby Clothes had been ordered) so Littlewoods were contacted and informed that Extra Care was not required, but they refused to remove this, they said that it had to remain because at the time of the order the box was not checked to say that this was not required ( did not notice the box at the time) told them that it should really be the other way round, that a customer should tick the box if they required this service....... anyway, the short of it was that they did not/would not cancel the Extra care.

Am having a hell of a time with Littlewoods, goods were 80.00 in 2001, to date have paid over 360.00, via Littlewoods and then debt collectors etc, last debt collector has asked for another 380.00 odd and threatened court action, Have asked for CA, did not get a copy of a proper Credit Agreement, have disputed the debt, now also have all the statements from Littlewoods, showing charges for goods, extra Care, Admin costs, late payment costs etc, not sure what to do now as I have not heard from either Littlewoods or Debt collectors again, plus Littlewoods also entered a default against this debt a couple of years ago..........

[Bluuemoney]

Babynan,

Sad to hear all this Littlewoods Stuff takes so many years so sort out.

But I still feel that just like any other form of Insurance if you miss a premium payment it voids the contract, I am sure that if you tried to make a claim it would be rejected on this basis.

 

Blueemoney.

[babynan]

Babynan,

Sad to hear all this Littlewoods Stuff takes so many years so sort out.

But I still feel that just like any other form of Insurance if you miss a premium payment it voids the contract, I am sure that if you tried to make a claim it would be rejected on this basis.

 

Blueemoney.

 

 

Bluuemoney,

 

Yes I think along the same lines as yourself, I am going to be including this within my claim because like yourself we did not want this and they refused to remove, also I feel it was unfair to keep adding this charge once the actual goods had been paid for, they kept adding this on top of their Admin chgs, or late payment so all the time that my account had a debit balance with them (due to their chgs) they were still adding in the Extra Care insurance charge:mad:

The main basis for my claim is that I have no proper Credit Agreement nor are they able to provide one, so I want all my charges returned.

[Bluuemoney]

Bluuemoney,

 

Yes I think along the same lines as yourself, I am going to be including this within my claim because like yourself we did not want this and they refused to remove, also I feel it was unfair to keep adding this charge once the actual goods had been paid for, they kept adding this on top of their Admin chgs, or late payment so all the time that my account had a debit balance with them (due to their chgs) they were still adding in the Extra Care insurance charge:mad:

The main basis for my claim is that I have no proper Credit Agreement nor are they able to provide one, so I want all my charges returned.

 

I'm in nearly the same position as you, can I ask if you sent them a letter requesting the removal of the Extra Care Insurance or was it over the phone.

[Alphageek]

I'm in nearly the same position as you, can I ask if you sent them a letter requesting the removal of the Extra Care Insurance or was it over the phone.

 

Hi, I have not started with Littlewoods yet (they'll have only debited about £50 in charges) but I had that Extra Care insurance on my account.

 

I asked them to remove it via email. Got a reply back a couple of days later and they removed it.

 

Hope this helps.

[yaffsimone1]

Bluuemoney,

 

I am claiming for all my charges plus Extra Care Advantage as i did not request this service yet they have been applying it to the account.

 

You dont say if you have asked them for a 'true' signed copy of your credit agreement. if you have not done this you must it puts the account in dispute eventhough claiming charges does this too. They cannot apply any charges to your account without having a signed credit agreement in place it is in breach of the Consumer Credit Act 1974 to do otherwise. Without this agreement it is also illegal for Littlewoods to process your information to a third party i.e Credit Reference Agency.

 

You will find many threads on how to ask for your credit agreement.

[Bluuemoney]

Hi Yaffsimone1,

 

Yeah I put the account into dispute

 

18 April requested original agreement sent £1

19 April £1 used as payment

since then i've had 2 more statements from them.

I've been waiting the days out.

 

B

[Bluuemoney]

Hi, I have not started with Littlewoods yet (they'll have only debited about £50 in charges) but I had that Extra Care insurance on my account.

 

I asked them to remove it via email. Got a reply back a couple of days later and they removed it.

 

Hope this helps.

 

 

Yes thankyou it does help

 

B:)

[Jangles65]

I have just put i a complaint to the ombudsman regarding the insurance on littlewoods and Kays, will see what happens because they have me totally confused as to whether I agree or not!

[babynan]

Bluuemoney,

 

I am claiming for all my charges plus Extra Care Advantage as i did not request this service yet they have been applying it to the account.

 

You dont say if you have asked them for a 'true' signed copy of your credit agreement. if you have not done this you must it puts the account in dispute eventhough claiming charges does this too. They cannot apply any charges to your account without having a signed credit agreement in place it is in breach of the Consumer Credit Act 1974 to do otherwise. Without this agreement it is also illegal for Littlewoods to process your information to a third party i.e Credit Reference Agency.

 

You will find many threads on how to ask for your credit agreement.

 

HI, I wondering if any one can please help me further. My son has now had all of his statements from Littlewoods and before I start his claim process I have a couple of areas that I need to be sure of. After checking the statements it seems that goods bought in 2001 (after items returned etc) actually only came to about 80.00, extra care was added to this amount (my son asked via the phone to have Extra Care stopped, he was told that this could not be done that it was too late to stop this cover, so not knowing any different he did not pursue this in any other way).

Back to the statements, goods of 80.00 bought, extra care added, payments were being made to Littlewoods, then my son started to have some problems and some payments were being made late, charges started being added, along with the continuation of extra care being added ( this was calculated on the outstanding balance including Littlewoods charges that had been added) more payments made, so the process went on, then account balance reached over 200.00 and was sent to various DCA's over the years, and my son made payments every so often to DCA's to keep them off his back. Anyway, to date my son has paid Littlewoods/DCA's a total of over 300.00 for goods that cost 80.00 and now the outstanding balance is another 358.00 (all made up of charges), he send CCA request and the agreement that he got is invalid and Littlewoods have been told this, the account is now in dispute and no further chgs are being added.

 

What I want to know first, I am going to help him reclaim these charges. Although there is no proper CA we do not want to claim back the 80.00 that was for the orginal goods because yes we did have them, but we disagree with all the other chgs, including the EXtra Care which we also want to claim back, and as I have read in other postings, if you have gone a few months without paying this then the insurance would be void anyway, also have read that if there is not a proper CA then there is nothing saying that this debt is enforcable........so no debt, no insurance, I just need to clarify, that in claiming the costs etc back but agreeing that the 80.00 was his debt am I in some way putting his claim in jeopardy because I am admitting that there was debt orignally and if he is admitting that there was debt then can they claim that the Extra care payments are therefore valid, also by admitting that there was a debt would this override the fact that there is no CA because of his admission.

 

Hope that I have not gone on to long but did want to make sure that my position could be understood clearly, would really appreciate any help with this that anyone can give me, as I do not want to make things worse for my son , just need to make sure that we go the right way about this

[surprise]

Laiste posted this on another thread which should answer your questions.

 

"QUOTE"

Catalogue debts are legally unenforcable. Your friend could do the S.A.R - (Subject Access Request) 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. End of Quote.

[babynan]

Laiste posted this on another thread which should answer your questions.

 

"QUOTE"

Catalogue debts are legally unenforcable. Your friend could do the S.A.R - (Subject Access Request) 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. End of Quote.

 

 

HI Surprise,

Thanks for your quick response, trouble is as I stated in my post my son has done all of the above already, he has also had a default entered against him, and we will deal with this after or during our claim, but my questions are relating how to proceed now in relation to the claim, PLease read my last post as I have explained what has been paid etc and I am asking what he should actually claim for, advice about the Extra Care and by admitting the original debt what affect this would have, etc etc

 

I need some advice with this, please can anybody help me, many thanks.

[Jangles65]

Hiya

 

I have a complaint in with the ombudsman regarding extra care payments, I will let you know what happens but I have not signed anything and from what i have read I am not sure that selling over the phone without a signature is legal. Its really got me confused, evidently I have paid insurance since 1999!

 

I have only got about £30 in charges so probably not going to bother with them, i think they might have my statements muddled so I am going to check on that. I sent for CCA and that didn't come in the first 12 days, then I have NDR sending warning letters so I have just writen back using a great letter I found on here, just waiting to see what they say.

 

Will keep you up to date

[babynan]

Hiya

 

I have a complaint in with the ombudsman regarding extra care payments, I will let you know what happens but I have not signed anything and from what i have read I am not sure that selling over the phone without a signature is legal. Its really got me confused, evidently I have paid insurance since 1999!

 

I have only got about £30 in charges so probably not going to bother with them, i think they might have my statements muddled so I am going to check on that. I sent for CCA and that didn't come in the first 12 days, then I have NDR sending warning letters so I have just writen back using a great letter I found on here, just waiting to see what they say.

 

Will keep you up to date

 

Hi Jangles

Thanks, look forward to hearing the outcome. The goods that were ordered were 152.00 and to date including all charges etc about 400.00 has been paid to Littlewoods, and they sre still are chasing for a further 400.00 made of chgs, ins, etc:mad:

[Bluuemoney]

I have just put i a complaint to the ombudsman regarding the insurance on littlewoods and Kays, will see what happens because they have me totally confused as to whether I agree or not!

 

Hi Jangles65,

 

Can I ask you to share the wording of the letter with us, or any thread or site it's on please as this is my next step for me. Thanks

 

Blu

[dpick]

Bluuemoney,

 

Yes I think along the same lines as yourself, I am going to be including this within my claim because like yourself we did not want this and they refused to remove, also I feel it was unfair to keep adding this charge once the actual goods had been paid for, they kept adding this on top of their Admin chgs, or late payment so all the time that my account had a debit balance with them (due to their chgs) they were still adding in the Extra Care insurance charge:mad:

The main basis for my claim is that I have no proper Credit Agreement nor are they able to provide one, so I want all my charges returned.

 

If they have not got an agreement (same for me) how are they going to prove you did not tick extra cover box , you can claim it. They told me my wife never had PPI we have one old statement from 2003 with it on waiting both CCA and SAR and I have yet to find a post were Littlewoods have had an agreement.

 

dpick:razz: