Thanks for the reply dadtaxi The agreed payment arrangement was not passed over to First Credit. First Credit were asking for the full amount at first. It is my understanding that Halifax/Aqua did not keep ownership of the debt. All correspondence comes from First Credit now.

Thanks dx I think I have cobbled together a suitable letter - does this sound okay? Also, should I send it to the person who responded to my SAR? Dear Sir / Madam , I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £XXXXX The £12 charges are unjust and unfair and do not comply with the guideline set out by the Office of Fair Trading. In their debt collection guidelines it specifically states, under 2.9 that “Charges should not be levied unfairly”. Under 2.10 it goes on to give some examples of unfair charges. You are in breach of 2.10.d which is the example of “applying unreasonable charges, for example, charges not based on actual and necessary costs”. It does not cost £12 to print a letter and send it. I require repayment in full of this money and also statutory interest on the amount at 8%, please see the enclosed list of charges for details. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice. Furthermore, should it be your intention to arrange a doorstep call, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Yours faithfully

Hi I have just been reading this post: http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement Last year I had a payment arrangement in place with Aqua Card, then out of the blue they passed the account to First Credit. Should I complain about this. It was quite stressful to come to an arrangement with First Credit. Advice/comments much appreciated

Cheers, so do I send them the Prelim letter now? Can I just check what you mean by same MO as CCC's? With my SAR I did not receive a signed credit agreement, does this give me any defence against them?

I looked at Reclaim Loan & Credit Card Charges linked from your signature DX. This appears to be based on bank charges. Should I send in the schedule of charges spreadsheet or file for Money Claim Online now?

Thanks, I've filled in the sheet. It seems that Littlewoods don't charge interest on their charges. The only interest they have charged is on the extended terms items that I ordered from them. A quick search of other threads showed that they don't charge interest on the late/missed payment/collection charges. Should I just send them this sheet via recorded delivery with a letter requesting a refund and that no further unlawful charges are added?

Ok, so I have the SAR. I have identified 11 £12 charges totalling £132 They have enclosed my credit agreement but it's not signed. Advice on how to proceed would be appreciated

Hey Thanks for your reply John The lenders did not actually take the payments twice, it was an IT error by Lloyds TSB, £150 compensation agreed

Hi I have just been checking my statements online and found that Lending Stream have overcharged me a total of £131.50, by taking repayments twice from my card. (See the attached statement) I have two loans with them: Loan 1: £215 initial loan Repayment Schedule 27 October 2011 £64.50 (£64.50 interest) 24 November 2011 £107.50 (£64.50 interest plus £43.00 principal) 29 December 2011 £94.60 (£51.60 interest plus £43.00 principal) 26 January 2012 £81.70 (£38.70 interest plus £43.00 principal) 23 February 2012 £68.80 (£25.80 interest plus £43.00 principal) 29 March 2012 £55.90 (£12.90 interest plus £43.00 principal) Loan 2: £80 initial loan Repayment schedule 24 November 2011 £24.00 (£24.00 interest) 29 December 2011 £50.67 (£24.00 interest plus £26.67 principal) 26 January 2012 £42.67 (£16.00 interest plus £26.67 principal) 23 February 2012 £34.67 (£8.00 interest plus £26.67 principal) So they have already taken £327.50, for £295 cash. Help please, how should I approach this? I've emailed them and attached the image from my statement, asking for a refund plus the interest to be recalculated.

Thanks everyone. I sent the SAR to Littlewoods eventually on 25 November. So the time is ticking for them to respond. I'm also paying them £1 per month

Going to send NDR the SAR tomorrow, do I sign the letter or is printing my name sufficient? Just that there is a space on the template to write my signature. Is it ok to sign the SAR but not a CCA Request?

Ok £1 it is , thanks for confirming They did not add charges as I was on a debt management plan. However, there's every chance that I have been charged before plan was accepted. I''m no longer with the CCCS due to a dispute with NatWest, (basically getting in the way of them freezing the interest). I maintained paying the amount around £7 a month they were getting from the CCCS. The debt is on my CRA file, though I have not checked it recently. I took out the catalogue around 4 years ago and the last orders on the account were about 2 years ago.

Thank you dx100uk. I don't have all the statements. However, I checked them monthy and they have not been charging me fees since I have missed payments. I have only been charged a £12 fee when the NDR Money section of Shop Direct started dealing with my account (last month) I will send them a SAR at the end of this month (after payday) then I can enclose the £10 postal order. Probably a good idea as it might show hidden PPI? Can I ask what the reason behind paying £1 a month is? Is this just to show that I am not avoiding the debt?

Thanks for your reply. My Credit Ref file just says that the account is more than 3 months in arrears. Well, that was the case last time I checked about 6 months ago. So is there any point in sending in a CCA Request? How do I go about finding out whether I have been charged PPI? I cant seem to find the template letters. Also, thanks Bazooka Boo, I think I will stick to £1 a month and no more income and expenditure for them

Hello I owed Littlewoods around £1600 and had a payment plan directly with Littlewoods. I was paying what I could afford £8 a month as part of my income/expenditure from the CCCS. I have since been going it alone, negotiating with creditors and have payment plans in place with all other creditors. I am not using the CCCS anymore due to a dispute with Natwest. Littlewoods have now passed the debt to NDR National Debt Recovery Limited (of Orlando Buildings, Thynne St, Bolton, BL3 6AX) I have sent them a revised statement of income and expenditure, showing that I can afford to pay them £20.75 per month. NDR have refused this offer and added £12 to the account "for several attempts at trying to contact me via the telephone". I have misplaced their last letter but I have one with in bold saying Our client is about to issue a Statutory Default Notice on this account which will request full payment of your arrears within 14 days. Failure to do so will lad to us registering a default with the Credit Reference Agencies which may affect your, and those who you are financially associated to, ability to obtain credit from other lenders for 6 years. Call to discuss blah blah blah What do I do next? I am considering sending a £1 postal order to see if they have the original credit agreement (I dont have a cheque book) Unfortunately I signed some documents about the extended terms products from the catalogue some time ago. Would appreciate any help or advice M