Littlewoods Catalogue

SPELLKASTER

I took out a Littlewoods Catalogue many many years ago, long before April 2007.

Whilst I don't have a balance on the catalogue itself, I have suffered late payments fees in the past.

For arguments sake, I have asked in writing for them to provide me with a true signed copy of my credit agreement, as I don't recall ever being given one, or signing one for that matter.

I have given them 12 days to comply under section 78 request.

If they cannot provide me with one as it was so long ago I opened the catalogue, I believe it was before 2000.

What type of letter should I send please if they dont comply which I dont feel they will be able to??

Thanks.

chanz4

back with the silly questions I see, you need todo a subject access request

Tixy

If you want to look into reclaiming excessive late payments fees then you don't need the credit agreement.
You need to review your account to see what late payment fees were charged and then put in a claim to reclaim them - lots of instructions, simple step by step guides etc on the reclaiming credit card charges section of the forum, detailing what you should be able to reclaim etc.

SPELLKASTER

Thanks Trixy and chanz4.

Will follow advice and keep you posted ::++DDD

Tremour-88

Littlewoods dont need signed agreements, when I opened my littlewoods account around 4 years ago I had to sign a form, but my wife and her mother both applied online and got instantly accepted and never had to sign a thing.

Tixy

Rules changed after April 2007 with regards to online applications etc.

SPELLKASTER

Tixy, I didn't take out Littlewoods online, and I took it out before 2000.

In fact, I am sure I took it out in late 1990 something, after I was approached by a canvasser in the street, I can remember filling out an application, not a credit agreement.

I have written to them asking for the CCA under section 78 as I was advised to by above.

However it should be interesting what they come back with as I opened the account so long ago now who knows??

Will keep you posted!!

Tixy

My reply in #6 was in response to post #5 just above it

opinions4u

Will keep you posted!!

There is no need to. Really.

dresdendave

As the OP doesn't seem to like late payment fees presumably he/she is aware there is a blindingly obvious way to avoid them.

bigadaj

The spellkaster saga goes on, wait for the exciting instalment....