Help with NDR ( debt recovery)

Hello there,

I have an account with Littlewoods, which is not in arrears or anything, and I have written to them and asked for a CCA, which is a consumer credit agreement. If they don't have it - and I am pretty darn sure they don't - I don't have to pay it.

And, if they don't have one for you, you don't have to pay it either!

Its like this. Catalogue companies in particular are very greedy, and get people to take out credit with them as soon as possible. The are in fact so greedy that they don't do their paperwork properly. The law says they must have this CCA, so you know what you are getting into, but then they have to send it to you, you sign it and send it back to them, and they really don't want to wait. So they don't bother. But then, when we find out about it, we don't have to pay them.

Thank you very much Littlewoods.

Here is a template letter which you could send:

Littlewoods Shop Direct Home Shopping Limited,
1st Floor,
Skyways House,
Speke Road,
Speke,
Liverpool
L70 1AB

[FONT=&quot]Dear Sir/Madam,

Re:− Account Number XXXXXXXXXXXX

I do not acknowledge any debt to your company.

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

We understand a copy of our credit agreement should be supplied within 12 working days.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Your name



Now if they can't send it in the 12+2 days, they are officially in default, and if they cannot send it in 30 days, they are committing a criminal offence.

Mostly likely, that is the last you will hear of them.

Incidentally, some people feel that you have a moral obligation to pay the debts anyway, but I do not feel like that. If Littlewoods could use the law to make someone pay, they would do so ruthlessly and mercilessly. So a little bit of their own medicine will do them the power of good, in my opinion.

Gale

[/FONT]

shariatlanta wrote: »

Well I did what you said and requested a copy of credit agreement, have waited 40 days and then rang them only to be told they don't have one on file which means I've never signed anything. Up until now I've been quite happy to pay them off monthly but yet again I've had another letter from NDR saying they want the whole lot or it's to be paid every 28 days. I've even asked for it to be transferred to another agency but they say they can't as yet.

Now I don't feel like paying it at all as they.ve been so unhelpful, what's my next step.

well don't pay them anything until they produce the agreement, if as you said they don't have it there is nothing they can do.
as the 30 days has past they are in default, i think there's a follow up letter but not sure where to find it. you must report them to the relevant authorities.
once you recieve the letter from them stating that they can't chase you, you can either: offer a reduce settlement iE a third of what you owe them and ask them to mark your credit files as satisfied, or pay nothing not a didley squat and put up with 6 years of having the default on your file.
i chose to put up with 6 years of default, but now i can't use my abound/additions as they are now a connected company.
umm now there's a thought maybe i should, ask them for my cca........lol

donnalove
xx

NDR got really shirty with me when I asked to set up a standing order. I was told it had to be by debit card or at the post office but I haven't got a very good memory so I'd forget to pay by debit card or go to the post office.

ssteer wrote: »

NDR got really shirty with me when I asked to set up a standing order. I was told it had to be by debit card or at the post office but I haven't got a very good memory so I'd forget to pay by debit card or go to the post office.

Please never never pay a DCA by credit card or debit card. What they do is help themselves to your money in future, if fo instance they decide to collect the whol of the rest of the debt in one go, without telling you. And because you gave the number to the DCa, you have no comeback via the bank.

Similiarly re DDs as they can alter the sum.

Hi everyone,
Can I ask a quick question, if you applied for a catalogue online does this mean that there is no CCA to be had or do they have the form you would have signed online to be used as a CCA. If that makes sense!

Heather.