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Reclaim charges - Littlewoods
lmclean100
Posts: 192 Forumite
I received a default notice from Littlewoods even although I'd put the account into dispute as they admitted they didn't have a CCA for my account.
I used one of the templates and sent off a letter.
Well, I've had a response from Littlewoods dated 22 October to my letter of 12 October.
They noted that I wasn't happy that they had passed my account to Nationwide Debt Recovery. They also have confirmed that they don't have a copy of a signed credit agreement and they will not be enforcing the account. But I've been advised that this can take up to six weeks to be completed.
As the balance remains unsatisfied it will be noted on their internal files for future reference. This information will also form part of my records at the Credit Reference Agencies where they share information. This information will remain on my credit reference file for 6 years.
In the same post, I have received from NDR dated 17 October a notice of default sums under the Consumer Credit Act 1974.
Think about going for repayment of the charges but not sure if I can.
Any suggestions.
I used one of the templates and sent off a letter.
Well, I've had a response from Littlewoods dated 22 October to my letter of 12 October.
They noted that I wasn't happy that they had passed my account to Nationwide Debt Recovery. They also have confirmed that they don't have a copy of a signed credit agreement and they will not be enforcing the account. But I've been advised that this can take up to six weeks to be completed.
As the balance remains unsatisfied it will be noted on their internal files for future reference. This information will also form part of my records at the Credit Reference Agencies where they share information. This information will remain on my credit reference file for 6 years.
In the same post, I have received from NDR dated 17 October a notice of default sums under the Consumer Credit Act 1974.
Think about going for repayment of the charges but not sure if I can.
Any suggestions.
Getting there, slowly but I WILL be debt free before I retire :dance:
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Comments
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lmclean100 wrote: »I received a default notice from Littlewoods even although I'd put the account into dispute as they admitted they didn't have a CCA for my account.
I used one of the templates and sent off a letter.
Well, I've had a response from Littlewoods dated 22 October to my letter of 12 October.
They noted that I wasn't happy that they had passed my account to Nationwide Debt Recovery. They also have confirmed that they don't have a copy of a signed credit agreement and they will not be enforcing the account. But I've been advised that this can take up to six weeks to be completed.
As the balance remains unsatisfied it will be noted on their internal files for future reference. This information will also form part of my records at the Credit Reference Agencies where they share information. This information will remain on my credit reference file for 6 years.
In the same post, I have received from NDR dated 17 October a notice of default sums under the Consumer Credit Act 1974.
Think about going for repayment of the charges but not sure if I can.
Any suggestions.
I would have done the charges first before the unenforceable issue. My limited knowledge is that unfortunately.0 -
Hmmmm , am I correct though in thinking that if you reclaim charges first then effectively you are acknowledging the debt and will be unable to prove the account as being unenforceable. I dont know but that is just the impression I got from reading all the CCA threads.
Or have I completely missed the point. ?If you see a penny, pick it up, all day long you'll have good luck !!!!!!
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Hi
Sorry, I was talking about the charges that they have added after they have acknowledge that the account is unenforceable.
LGetting there, slowly but I WILL be debt free before I retire :dance:0 -
In that case what charges? After all, it is unenforceable in court so they are charging an account which they cannot enforce the debt on.lmclean100 wrote: »Hi
Sorry, I was talking about the charges that they have added after they have acknowledge that the account is unenforceable.
L0 -
That's what I thought, received another letter from their debt collection bit letting me know that they are adding more charges.
Time for another letter me thinks.Getting there, slowly but I WILL be debt free before I retire :dance:0
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