Advice needed re Littlewoods/Lowells

[DT&FE]

Folks

 

We're in a similar situation with Littlewoods/Shop Direct and now passed to a company called Lowells. We have calculated that to charges applied to the account over its lifetime (4 years) have been approximately £1323.

 

We are not disputing that there is an outstanding balance of £128.64 for goods and would happily pay that, however Lowells are demanding over £900. They have said that as the alledged debt was legally 'assigned' to them on 12/01/2009 I have no legal right to recover any charges as they were applied by Littlewoods/Shop Direct rpior to sale.

 

I find it strange that a company would wait over a year to contact us and in that time they have applied £306 in charges. We were only able to establish what charges had been applied following a SAR. All we got in return was a signed credit agreement, which we never disputed!

 

Our question is: Are they correct, in so much as we have no right to challenge these charges?

[legalpickle]

Folks

 

We're in a similar situation with Littlewoods/Shop Direct and now passed to a company called Lowells. We have calculated that to charges applied to the account over its lifetime (4 years) have been approximately £1323.

 

We are not disputing that there is an outstanding balance of £128.64 for goods and would happily pay that, however Lowells are demanding over £900. They have said that as the alledged debt was legally 'assigned' to them on 12/01/2009 I have no legal right to recover any charges as they were applied by Littlewoods/Shop Direct rpior to sale.

 

I find it strange that a company would wait over a year to contact us and in that time they have applied £306 in charges. We were only able to establish what charges had been applied following a SAR. All we got in return was a signed credit agreement, which we never disputed!

 

Our question is: Are they correct, in so much as we have no right to challenge these charges?

The short answer is No.

 

You have the right to claim all the charges - against Littlewoods/Shop Direct Finance - and have them refunded.

 

The first piece of advice is for you to do a SAR to Shop Direct Finance & Lowells - separately - at the cost of £10 each. Send by SPECIAL DELIVERY.

 

However, please start your OWN THREAD so that you will get the best advice possible for you, and I am sure that people will show up to assist you.

 

I am sorry that I do not have time to assist on this. I'm much too busy.