Littlewoods Debt/ndr

robbynesta

I have nt had any goods from Littlewoods for 4 years and balance woz 80 quid but i still owe them 100 quid because i pay some off then nothing for months i prob paid about 300 quid in late payments up to today. Now its been passed to NDR for the second time i can't remember signing a credit agreement because it woz about 12 years ago.After reading several forums on Littlewoods and NDR i have now sent Littlewoods a cca request should i send NDR the same and whats my next move.

immoral_angeluk

When did you last make payment?

robbynesta

Two months ago

fermi

NDR are the "in house" debt collectors for Littlewoods, so NDR and Littlewoods are the same people but just wearing a different "hat".

If you want to cover all bases you could send the CCA request to NDR as well, but Littlewoods themselves are still bound to comply with the original one.

While I don't think it is strictly neccesary, if it was me I would CCA NDR as well.

robbynesta

Thanks For Helping ,would It Be The Same Address

fermi

Never having dealt with them myself, I have no idea.

Quite a few people here have had dealings with them, so perhaps they will notice this and be able to tell you.

If you do a search for them here, maybe someone has already asked that before.

robbynesta

Had a letter off Littlewoods today they are unable to lacate a copy of my executed agreement , but enclose a copy of the current agreement which applies to this type of account , and could i please confirm that liability for this debt is not disputed.

also had a letter off NDR putting another 12 quid on my account.what shall i do now.

fermi

robbynesta wrote: »

Had a letter off Littlewoods today they are unable to lacate a copy of my executed agreement , but enclose a copy of the current agreement which applies to this type of account , and could i please confirm that liability for this debt is not disputed.

That is a load of rubbish. I've seen that response from NDR and it was bull***t then, and it is bull***t now.

They have still not complied with your request.

robbynesta

so i just sit back and wait for the 44 days and send NDR the same letter as Littlewoods

fermi

You can do. It is your call.

If you wish you could also send Littlewoods something like the letter below.

But as said, it's your call really. Theses things are difficult to judge.

Link: Letter - Failure by Creditor/DCA to Supply Agreement

[Your Address]


[Date]

The Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam,

Account In Dispute - Letter Before Action

I refer to my recent correspondence with your company concerning this alleged debt, copies of which are enclosed for your perusal and ease of reference.

As **DCA** have failed to comply with my Consumer Credit Act request and admitted that the alleged signed executed agreement is unavailable, enforcement action is impossible under section 127 (3) of the Act.

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XX/XX/XX and XX/XX/XX respectively.

As you are no doubt aware subsection (6) states:

If the creditor under an agreement fails to comply with subsection (1)—

(a) He is not entitled, while the default continues, to enforce the agreement; and (b) If the default continues for one month he commits an offence.

Therefore as at XX/XX/XX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

If **DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

It is also my belief that your continued pursuance of this matter also constitutes an offence under Section 40 of the Administration of Justice Act 1970.

Failure to respond favourably to this letter within fourteen (14) days of receipt may result in immediate litigation being commenced against your company without further notice.

I also require a copy of your internal complaints procedure as further action may be necessary.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

Yours Faithfully

robbynesta

what would you do