Littlewoods confusion

LouisJH

Hi, sorry if this isn't in the right place I'm a newbie! I know this may seem ridiculous but I have a Littlewoods account and I don't understand what the terms mean.. My account says

Available to spend: 327.40
Credit limit: 250
Balance: -77.40

Does this mean I owe them £77.40 or they owe me £77.40? Sorry I must be having a dumb moment

LouisJH

I forgot to mention I paid the item off in full after maybe 2 months

sourcrates

LouisJH wrote: »

Hi, sorry if this isn't in the right place I'm a newbie! I know this may seem ridiculous but I have a Littlewoods account and I don't understand what the terms mean.. My account says

Available to spend: 327.40
Credit limit: 250
Balance: -77.40

Does this mean I owe them £77.40 or they owe me £77.40? Sorry I must be having a dumb moment

Looks to me like your £77.40 over your credit limit chap/ess !!!

JES_F1

I would take it to mean that you're £77.40 in credit. So you have that plus your credit limit available to you for spending.

If you don't want anything at the moment, I'd ask Littlewoods if it's possible to have that refunded to you.

sourcrates

JES_F1 wrote: »

I would take it to mean that you're £77.40 in credit. So you have that plus your credit limit available to you for spending.

I thought that, but if account was in credit, it would be +77.40 surely ?

JES_F1

sourcrates wrote: »

I thought that, but if account was in credit, it would be +77.40 surely ?

As the "available to spend" amount is the credit limit (£250) plus £77.40, I took it to mean being in credit by that amount.

If over the credit limit, I wouldn't expect to see anything showing as "available to spend".

sourcrates

JES_F1 wrote: »

As the "available to spend" amount is the credit limit (£250) plus £77.40, I took it to mean being in credit by that amount.

If over the credit limit, I wouldn't expect to see anything showing as "available to spend".

Hmmm, so how has the OP managed to overpay for there goods then ??? lol

January2015

OPs account is £77.40 in credit. I would phone and ask for a refund (assuming OP has somehow overpaid what has been owed on the account).

andyfromotley

I think you're in credit! Whoop!!

LouisJH

Thank you for the responses!
I took it as I'd overpaid too, but on my statement it says they took it as a direct debit. I emailed them asking for a refund, they replied saying I had to ask my bank, but over the phone the bank told me there was nothing they could do..?
I'm not likely to spend it on Littlewoods so I'd like it in the bank if it's still mine.. Sorry I'm fairly new to having to sort out my own finances.

gr1340

I guess you paid for the item and then they also took a DD which is why you have the credit.

Littlewoods will have to refund you the money, the bank cannot do this as the DD has already been taken and cleared.

Just tell them to refund your credit of £77.40 back to your bank account and do not accept any stories that they cannot do this or you need to speak to your bank.