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Littlewoods Mail Order - CCA and what to do next?
kimdegsidash
Posts: 142 Forumite
Hi
I have an outstanding balance with Littlewoods (formerly Janet Frazer) catalogue of £375. This could be paid off in 3 months, if I had the money (which I don't) but reading other posts about CCA requests has sparked my interest.
I first took out Janet Frazer catalogue in about 1992 and have been with them, now part of the Littlewoods Group, ever since. Obviously I have no record or recollection of ever signing a formal CCA with them at that time.
I am considering requesting a copy using the National Debtline template letter, after all it only costs £1 so might be worth a shot.
I have this week sent a letter offering them a token payment of £1 per month until my financial situation improves.
But, my question is, what happens next after they, in all likelihod, are unable to provide a copy of the original CCA? What's the next step? Do I wait - is it 12+2 days - then write again?
Littlewoods are demanding a minimum payment of £117 per month and have issued a default charge of £12 on the account already for non-payment of January's instalment. (the letter refers to the charge being imposed under the CCA1974) and are ringing me every day. I don't answer the phone.
I've also got their PPI (Extra Care Insurance) and have paid this every month on the balance for years, never made a claim. Estimate I've paid them £100s if not over £1,000 in insurance payments.
So the way I see it is, I've paid them PPI for years, the least they could do is let me off the last £375 on my account, especially as they probably won't be able to enforce any agreement.
I await your wonderful and knowledgeable advice - this site is fantastic!
I have an outstanding balance with Littlewoods (formerly Janet Frazer) catalogue of £375. This could be paid off in 3 months, if I had the money (which I don't) but reading other posts about CCA requests has sparked my interest.
I first took out Janet Frazer catalogue in about 1992 and have been with them, now part of the Littlewoods Group, ever since. Obviously I have no record or recollection of ever signing a formal CCA with them at that time.
I am considering requesting a copy using the National Debtline template letter, after all it only costs £1 so might be worth a shot.
I have this week sent a letter offering them a token payment of £1 per month until my financial situation improves.
But, my question is, what happens next after they, in all likelihod, are unable to provide a copy of the original CCA? What's the next step? Do I wait - is it 12+2 days - then write again?
Littlewoods are demanding a minimum payment of £117 per month and have issued a default charge of £12 on the account already for non-payment of January's instalment. (the letter refers to the charge being imposed under the CCA1974) and are ringing me every day. I don't answer the phone.
I've also got their PPI (Extra Care Insurance) and have paid this every month on the balance for years, never made a claim. Estimate I've paid them £100s if not over £1,000 in insurance payments.
So the way I see it is, I've paid them PPI for years, the least they could do is let me off the last £375 on my account, especially as they probably won't be able to enforce any agreement.
I await your wonderful and knowledgeable advice - this site is fantastic!
"I have enough money to last me the rest of my life, unless I buy something"
0
Comments
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Just bumping for you.Find out who you are and do that on purpose (thanks to Owain Wyn Jones quoting Dolly Parton)0
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Just read my post again - not suggesting for a moment that I want to avoid the debt!! I just want to explore all my options. Shall I just keep paying them £1 per month until they acknowledge or send me the CCA?"I have enough money to last me the rest of my life, unless I buy something"0
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kimdegsidash wrote: »Shall I just keep paying them £1 per month until they acknowledge or send me the CCA?
No, not until you have Littlewood's agreement to do so. Have you explored the official Voluntary Arrangement option?If you will the end, you must will the means.0
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