Littlewoods Credit Agreement

MFeely88

I don't know if this is the right section to post this in, so I apologise in advance. I signed up to Littlewoods catalogue shopping over a year ago now, but I never signed and returned the credit agreement I was sent. Does this in any way void my account? Where would I stand if I refused to pay my balance? Thanks.

enjoyincubus

For some reason Littlewoods have never insisted on signed copies of the credit agreement being returned before allowing customers to place their first order, although they do threaten loss of credit facilities if you don't return it (which they never bother following up).

I believe if you stop paying they are entitled to chase you for the debt, but they can't place a default on your credit file.

I_know_my_ABC_and_my_CMYK

enjoyincubus wrote: »

For some reason Littlewoods have never insisted on signed copies of the credit agreement being returned before allowing customers to place their first order, although they do threaten loss of credit facilities if you don't return it (which they never bother following up).

I believe if you stop paying they are entitled to chase you for the debt, but they can't place a default on your credit file.

I think this rule has actually changed now. Catalouge debts can now be enforced in court if no credit agreement has been signed providing the account was taken out after 2006 (someone please correct me if this date is incorrect). The act was changed to prevent what the OP is questioning.

mrdavie

enjoyincubus wrote: »

For some reason Littlewoods have never insisted on signed copies of the credit agreement being returned before allowing customers to place their first order, although they do threaten loss of credit facilities if you don't return it (which they never bother following up).

I believe if you stop paying they are entitled to chase you for the debt, but they can't place a default on your credit file.

I'm in the same position with Studio and Littlewoods. I didn't send back either of the CCA's.

fatbelly

I_know_my_ABC_and_my_CMYK wrote: »

I think this rule has actually changed now. Catalouge debts can now be enforced in court if no credit agreement has been signed providing the account was taken out after 2006 (someone please correct me if this date is incorrect). The act was changed to prevent what the OP is questioning.

The relevant date is April (I believe April 6th) 2007. After this date the Consumer Credit act 2006 applies and there is no such concept as irredeemable unenforceability. So they could use the courts.

Regardless of which side of this date the agreement started, Littlewoods will still maintain that the debt exists and will pursue you for it. They don't often take court action but are persistant in their debt collection process.

mrdavie

fatbelly wrote: »

The relevant date is April (I believe April 6th) 2007. After this date the Consumer Credit act 2006 applies and there is no such concept as irredeemable unenforceability. So they could use the courts.

Regardless of which side of this date the agreement started, Littlewoods will still maintain that the debt exists and will pursue you for it. They don't often take court action but are persistant in their debt collection process.

Thanks for the info.