Littlewoods Credit Agreement

thaylock

Because...

I recently helped my mum out in writing letters to 15 creditors, all creditors apart from 1 (Littlewoods) were less than helpful & wouldn't accept a reduced payment & even threatened to pass the debt onto a debt collection company. I have arrangements with the remaining 14 creditors & my mum intends on paying the money back (in fact, 4 of the smaller debts have been paid off so that leaves 10), but Littlewoods need to be taught a lesson, i.e. (1) Be more helpful to people struggling to meet their financial obligations (2) Don't give a 73 year old pensioner a flipping limit of £3,600. (3) They shouldn't provide credit unless they receive a signed agreement. (4) Be more polite on the phone, I have spoken to them twice & they have been less than helpful.

This isn't normally a route I would take but they should act in a more responsible manner.

The letter submitted by Harassed is in the post.

jason.lawrie

Had a debt with Choice and Marshall Wards ( both GUS companies), asked for signed copy of agreement - they sent me two blank ones, when wrote back asking for the signed copies they sent a letter stating with reluctance they have cancelled the debt. Like Thaylock says its the catalogue company/agents at fault. Basically the agent sets the credit limit of the customer - they get x% commission what they spend - who cares to them if they cant afford to pay it back - they have been sweet talked by the agent to get the goods, the agent is happy but soon the customer realises what she/he has done. Its about time the catalogue companies stood up and changed their ways. Yes the catalogue companies dont like this loophole but if they were responsible in the first place nothing like this would have happened.

cliffsgirl

does this law just apply to catalouges, or can it be used for credit card debt as well.

Harassed_2

No. You have to sign and return an agreement before you get a card. Read the rest of the thread for the reasons behind the catalogue situation.

cliffsgirl

Harassed wrote:

No. You have to sign and return an agreement before you get a card. Read the rest of the thread for the reasons behind the catalogue situation.

i understand that bit, but what i mean is what if the credit card company cannot provide you with your signed agreement what happens in that case.

Harassed_2

OK, IF the cc company can't provide proof of a signed agreement you could challenge it. It would be highly unusual, though.

ceegee

cliffsgirl wrote:

does this law just apply to catalouges, or can it be used for credit card debt as well.

I hope you are not looking to wriggle out of a self-inficted debt.................

cliffsgirl

ceegee wrote:

I hope you are not looking to wriggle out of a self-inficted debt.................

No i am not trying to get off paying, the reason i am asking is i can only afford to pay £20 per month, but they want £135 a month, i can't afford this and they are threatening to take me to court and get it taken out of my wages, so if they cannot provide the credit agreement can they still take me to court,if they can't this would mean they are more likely to accept my offer of payments.

Vagabond_UK

My sister's daughter took out an order with Kays last Xmas for £200. She paid the first repayment and nothing since, so now she has a collection agency on her back.

I'm not saying she should try to write off the debt because i feel she should meet her obligation, but if she were to write requesting a signed credit agreement what do you think would be her chances of having the debt written off? Would they write it off, considering that she has already paid something (albeit only 1 payment) off the account anyway?

Harassed_2

Read the whole thread and you will see the procedure.