Littlewoods - advice needed !

liz_uk

Ok so back in sept/october i requested a copy of my credit agreement, it came after 42 days - UNSIGNED.

I then sent a letter asking them again for a TRUE copy of my SIGNED credit agreement. They never responded. I sent another letter, this time sent by recorded delivery. . pointing out that they have breached the law by not responding to my request and therefore my debt is defaulted. Again NO RESPONSE !! This was last month.

They have sent me statements. But I haven`t had any phone calls or letters stating that my montly payments are overdue, which always happenns if your overdue - even by 3 days !!

So I don`t know whats going on !!

I started down this road after being harrassed by there credit department for a minimal debt.

Any advice would be appreciated !!

Harassed_2

They're just stalling, waiting to see what you'll do. Do NOTHING, PAY NOTHING. They'll eventually give up on it and inform you they won't be pursuing it.

Percy_Vere

Harassed wrote:

They're just stalling, waiting to see what you'll do. Do NOTHING, PAY NOTHING. They'll eventually give up on it and inform you they won't be pursuing it.

Er - No, sorry.

I have seen a few posts where people think that because they haven't signed a credit agreement with Littlewoods they can get away with not paying. This is just not the case and there have been cases in court that prove this as well.

Just because you didn't sign the agreement doesn't mean you haven't entered into a contract with them. Did you accept the goods they sent ? Have you made any payments at all ? Both of these will in the judges eyes mean you admit the debt and are therefore liable.

I would advise the OP to take control of the situation and call them to find out what the current state of play is before they pass it out to a debt collection company or solicitors.