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Ida vs Shop Direct for payments proposal and charges


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Hi.

 

I have 2 accounts, isme and littlewoods.

 

Most threads you will read that pay them £1, non prioity debt etc and that is true but I want to pay them off as quick as poss so have done the following:

 

I wrote and emailed payment proposals that were flatly refused, I then sent emails to the CEO and got them to agree to MY offers and freeze all interest and charges for 12 months (so far :roll:)

 

Details are the same as the following thread as it worked so i passed it on:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?340272-Very-and-isme

 

So now i have the payments i can afford in place with no interest, today i have sent a SAR so i can then reclaim any charges or late payment charges etc.

 

40 days tick tick tick

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Good stuff Ida, hopefully they will be due you a few bob :-)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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you just wait

 

letters /un answered phonecalls/ debt management/

 

you'll have hundreds of them

 

i got an sar from littlewoods and there were 85 'fees'

that did not show on the statements they sent out at all!!

 

they added them to the interest payment each month.

 

the SAR statements and screen shots will differ widly from the sent statements.

 

got over £2500 back !!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks guys I don't think they are loads but should be enough to clear one account off

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Oh a wee sneaky charge has been added to one of the accounts when these were meant to be stopped/

 

Sar tick tock tick tock.

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  • 2 weeks later...

Watching with interest (no pun intended) Ida

 

:-)

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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Oh she's so impatient :p

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Good things come to those who wait :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I posted that at 12.55, something wrong with the cag clock me thinks.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 weeks later...

Well update time......

 

nothing so a failed sar letter being constructed this weekend.....have checked my bank and i don't think they have cashed the cheque but royal mail have confirmed it was delivered.

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Ida, did you write on the back of the cheque that it was fee for SAR only? these places usually separate cheques from letters and it could have got used as a payment ?

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  • 2 weeks later...

No i didn't Ell.......but due to Lazy Ida only got back on this week , they had indeedy cashed the cheque so a LBA was Sent on friday 03/08

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  • 3 weeks later...

Getting all excited noo....l mr postman left a card.........package too big for letterbox........must be them

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I'll no sleep tonight :-)

 
 

Any advice I give is honest and in good faith.:)

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neither will I..................

 

but for other reasons :razz:

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  • 1 month later...

Ok eventually got my sar.

 

Have went over and got all charges and going to pu them in the spready.

 

 

BUT i also got copies of 2 other customers details with reponses to their complaints.

 

Shop Direct have made a boo boo

 

any suggestions what i should do?

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I would suggest that this is brought to the attention of the ICO as it is a clear breach of the DPA.

 

Also you may care to contact the other people who's personal affairs have been sent to you so that they can also lodge a complaint.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Will do ......

 

1st spready done........lovely

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  • 3 weeks later...

I contacted the ICO but not heard back from them, will give them a nudge today.

 

Have sent of my charges reclaim today :whoo:

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ICO have allocated a case manager - letter of complaint sent to shop direct and letters sent to the the other people to make them aware of what has happened.

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Good stuff Ida.....keep the pressure on :-)

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Good stuff Ida.....keep the pressure on :-)

 

Talk about 'nippin' their heeds :-D

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...

Aww shop direct have told me to get lost and not refunding any of my charges

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