pinky V Littlewoods

[pinkerton_angel]

Has anyone had any joy with getting a default removed from Littlewoods??

Thanks

pinky x

[mrmarmite]

send littlewoods a CCA request, if they only have application form or dont provide one at all you need to write to all 3 credit agencies as telling them to remove it as littlewoods did not have your consent to access your credit files.

 

CRA's will write to littlewoods to confirm non CCA (assuming there isnt one) and the CRA's have no choice but to remove it

[Caz1974]

Hi Pink

Lot's of people on the thread are having trouble with Littlewoods ( me included ).

Mr marmite that's how it should work in theory but Littlewoods and the CRA's are not playing ball.

I've complained to the Information commissioners office about the same thing and the FOS.

Good luck pink and keep us posted on how you get on.

[mrmarmite]

is littlewoods part of GUS by any chance? is so that would explain why people are having probs. GUS own experian and couple DCA's

[mrmarmite]

yup i thought so:

 

March UK Ltd / GUS home shopping

[mrmarmite]

and if you read paragraph 4 you will see they own experian

[mrmarmite]

only way i see it if they dont comply is to dragem into court and force removal

[mrmarmite]

oh look, they own argos aswell, thats the last time i use them then

[The GodMother]

and homebase as argos own them.

[Caz1974]

I smell a bit of a monopoly with Littlewoods.

The CRA's should be independant surely especially where fairness is concerned.

There should be a law against it or it should be governed in such a way to stop this from happenening:mad:

[mrmarmite]

totally agree CAZ.

 

if there no agreement and CRA's wont play ball launch a complaint against them and threaten them that you will take them to court (idea is you follow it through and take them to court) to force removal

 

even the CRA's play by their own rules and not the law.

 

what a crooked world we live in

[pinkerton_angel]

Thanks all,

I've already tried the IOC and FOS way and even the CRA's but no luck, does anyone have any standard letters for me to try again? do you think it's worth me making them an offer and if they agree they have to take my default off?

And can you believe I actually used to work for GUS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

They made me redundant (thankfully!) after they had treated me really badly so I should have known then I guess!!! That's one nice big payout I got from them,, lol!

pinky x

[mrmarmite]

Thanks all,

I've already tried the IOC and FOS way and even the CRA's but no luck, does anyone have any standard letters for me to try again? do you think it's worth me making them an offer and if they agree they have to take my default off?

And can you believe I actually used to work for GUS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

They made me redundant (thankfully!) after they had treated me really badly so I should have known then I guess!!! That's one nice big payout I got from them,, lol!

pinky x

 

 

by that I guess you owe them some dosh? if so how much, might be able to barter a bit and get debt killed off (if any) and default removed at same time. I have seen several cases now where this has worked and the default was removed.

[pinkerton_angel]

i owe them about £800 I think, I've sent them a letter today offering them a deal, lets see what they come back with, otherwise, it's court!! scarey!

pinky x

[pinkerton_angel]

Well this is still ongoing and still the default remains, have left this one alone for a while as I concentrate on Next Directory but it's really affecting me now, need to get it removed.

They refused my offer of a payment. Have just been looking at my credit report again and notice that for this account the account was in dispute for about 8/9 months, there were then 2 late payment markers (straight in at 3) and then a default, this isn't fair surely!!!! and on top of that, never a notice of default recieved (surprise surprise!)

Has anyone successfully had a Littlewoods default removed?

Is it worth going in with a charges claim at the same time? not sure there are that many but then I guess if I had as many late payment markers as they seem to have placed then there should be some charges on there!! lol