What shall I do?

sandeevie

:mad: Hi All,
I hope I have put this on the right board sorry if I have not! I need some help i have a couple of catalouges with not much on but due to my hours being cut I need to reduce my payments out every month till they are increased I have emailed, wwritten to Littlewoods and the other one to let them know this and asked them to allow me to pay a reduced rate for a short while Littlewoods have ignored all contact and are charging me £12 for not paying the correct amount and £12 for not paying on time, the other book wants me to call but I have reduced hearong so do not like to use the phone as it is difficult again I have informed them of this and they are now not answering my emails or letters any advice? as I am still paying wjat I can but it is getting cancelled out by the £24 charges every month! I did not realise cats were so much grief I just don't want to get into debt I thought if I addressed it asap then it would help and it has not! so guys any help would be great
Sandee

GeorgeUK

Hi Sandee

There are a few things you may be able to do.
Have you requested a copy of the customer credit agreement (CCA)?

If the agreement was made before 6th April 2007, it must contain certain terms for it to be enforcable. Did you sign an agreement for the catalogues?

I would also suggest claiming back any charges they have made against you. If they have made quite a few, it may be better to ask for a subject access request (SAR). This falls under the Data Protection Act and you will be able to get a copy of all transactions as well as a copy of the original signed credit agreement - this costs £10. A CCA request costs only £1, but they are not required to provide a copy of the original agreement - only the details that should have been on the agreement and they are also not requires to provide a copy of your signature on any copy they produce.

What this will do is question their authority to enforce the debt, not the existance of the debt. If the debt is unenforcable, then you will not need to make any payments towards the debt until it becomes enforcable again - which will only happen if they can produce a copy of an enforcable CCA.

Treacle1983

Hmmm not all are so bad - I owe studio £190 and lost my job - I couldn't pay a thing whilst on jsa - 1 call to them and they froze the account - no charges, fees etc.. and accepted 50p a month until i got back in work.

Now I have a job and am paying back £15 a month again.

They couldn't have been nicer.

upferret

"A CCA request costs only £1, but they are not required to provide a copy of the original agreement - only the details that should have been on the agreement and they are also not requires to provide a copy of your signature on any copy they produce."

Hi, what does this mean? that all they have to do is send me the terms and condtions of my agreement? as it doesnt have to be signed what use is this? I mean couldnt they just send me a print out they just made five minutes ago? Im trying to find info on cca requests but there is so much and some of it isnt valid anymore, Im a bit lost!
Thanks

Merlinexcalibur

Hi, what does this mean? that all they have to do is send me the terms and condtions of my agreement?

Then that means they have not fulfilled your request to receive a true copy of your credit agreement. It's a typical fob off letter from what you posted.

I mean couldnt they just send me a print out they just made five minutes ago?

Going to be short - yes! I could go into other things that can be got up to but you probably already know those.

only the details that should have been on the agreement and they are also not requires to provide a copy of your signature on any copy they produce."

Oh, who says that? A DCA or a creditor? Maybe a bit of 'encouragement' using the OFT guidelines on this may 'encourage' them a little more. Though it may depend how or which year you applied. But, how can something be binding unless it has your signature on it? Anyway I am sure others here will either correct me or point you in the right direction. But to me, your reply looks like a fob off!

PS Might be better you start your own thread or it will only confuse things for the OP on this one and your own issues.