Littlewoods DISGRACE

liam650

I'm absolutely fuming, after getting some goods from littlewoods they all of a sudden decide to cut my account from getting further orders with the bulls**t line of

"After further checks, I regret to inform you that we cannot accept any further orders on this account. This is due to conflicting information that we were not previously aware of. If you have any outstanding balance on the account you should make your payment as requested on your statement"

Also refusing to give me a credit increase and the cheek to request payment even though i cannot order any more goods, like who do they think they are? I'm so so mad, the society we live in today eh, ive a good mind to leave them off now altogether

Have you any idea what the conflicting information is?

njs030

liam650 wrote: »

Also refusing to give me a credit increase and the cheek to request payment even though i cannot order any more goods, like who do they think they are? I'm so so mad, the society we live in today eh, ive a good mind to leave them off now altogether

You've ordered and received goods from them and now they've asked for payment how is that cheeky?

Wile E. Coyote

Have you asked them what the 'conflicting information' is? If you've a poor credit history that they weren't aware of or you or someone at your address previously had an account with them that went bad then that seems fairly reasonable to me.

dudara

You need to contact them to figure out what this "conflicting information" is and what you can do to resolve it. It is a credit service after all, and they are entitled to withdraw further credit.

To be honest, I know you may be feeling angry, but that's an instinctive reaction. Take a deep breath and when you're feeling better, get in touch with them.

TheRiverman

How is it a disgrace when you don't even know what the "conflicting information" is ?.You deserve an explanation,so take it up directly with Littlewoods.

beechwood55

So have you not paid them?

CeilingFly

They charge an extortionate 40% interest rate in addition to excessive prices - be happy you are no longer dealing with them

tedpan

Yeah, didn't think anyone actually shopped there..

I thought it was a place to compare their inflated pricing with other online retailers to make you feel good about spending money elsewhere and see how much you saved!

CeilingFly

To the OP

From some of your other posts it seems you did not pay an electricity bill and it had to go to a third party collection agency.

Wild guess - littlewoods found out and immediately you were flagged a credit risk.

harr

CeilingFly wrote: »

To the OP

From some of your other posts it seems you did not pay an electricity bill and it had to go to a third party collection agency.

Wild guess - littlewoods found out and immediately you were flagged a credit risk.

And is on social welfare and looking at getting credit in argos all red flags to littlewoods ....I use littlewoods on occasion but always pay upfront because of the huge interest they charge...

liam650

well they said they do not have to share the conflicting information they found but 2 can play at that game...... due to conflicting information I cannot make payment to them now and i use my rights to withhold the reasons, just like they did, we will see how smart they are now

Morpork

liam650 wrote: »

well they said they do not have to share the conflicting information they found but 2 can play at that game...... due to conflicting information I cannot make payment to them now and i use my rights to withhold the reasons, just like they did, we will see how smart they are now

They are wrong and so are you.
You have the right to the information and you have the obligation to pay.

brightspark

Perhaps it's because they previously had problems with getting paid by you?

http://www.boards.ie/vbulletin/showpost.php?p=91690895&postcount=1

liam650

brightspark wrote: »

Perhaps it's because they previously had problems with getting paid by you?

http://www.boards.ie/vbulletin/showpost.php?p=91690895&postcount=1

No that was years ago that is all water under the bridge now we have moved on to the here and now

OldMrBrennan83

This post has been deleted.

brightspark

brightspark wrote: »

Perhaps it's because they previously had problems with getting paid by you?

http://www.boards.ie/vbulletin/showpost.php?p=91690895&postcount=1

OP, Stubbs Gazette has been around since 1828. Its not a makey uppey website.

njs030

liam650 wrote: »

well they said they do not have to share the conflicting information they found but 2 can play at that game...... due to conflicting information I cannot make payment to them now and i use my rights to withhold the reasons, just like they did, we will see how smart they are now

Well no if you read the t&c's you agreed to you'll see they can cancel the credit agreement.

njs030

Morpork wrote: »

They are wrong and so are you.
You have the right to the information and you have the obligation to pay.

No they don't have to tell him the reasons why, it's unlikely they even know the reasons at a customer service level.

brightspark

liam650 wrote: »

No that was years ago that is all water under the bridge now we have moved on to the here and now

As you probably thought at the time, pursuing you for a small amount would have cost more than the debt so they didn't bother. However you will find that debt will cost you a lot more in the future, it's not easy to remedy a bad credit rating.

Morpork

notjustsweet wrote: »

No they don't have to tell him the reasons why, it's unlikely they even know the reasons at a customer service level.

No if they have any data on him, which they do now, he has the right to a copy of the data under the data protection act.

degsie

There is a strong scent of entitlement from the op. Rather than trying to sort out this issue in private they post on a public forum in an attempt to 'embarrass' the store. This is a no-win situation and will not end well for the op. Unless of course they engage professionally with the store.

liam650

went on stubby gazette to see if i could find information on myself and they asked for a 369 euro payment, what a money racket, its all money with them

njs030

Morpork wrote: »

No if they have any data on him, which they do now, he has the right to a copy of the data under the data protection act.

Of the data they hold on him yes. That's not the same as demanding a customer service agent tell him why his credit has been stopped though is it?
They aren't wrong to refuse to tell him over the phone something that they probably don't know. He can write and ask them for that data if he wants it, though for they've used an external company as most do they just return yes or no without details.

Guy:Incognito

liam650 wrote: »

its all money with them

From a business? Well I, for one, am amazed.

bee06

liam650 wrote: »

went on stubby gazette to see if i could find information on myself and they asked for a 369 euro payment, what a money racket, its all money with them

Shocking! It's almost as if they were trying to run a business and not a charity.

liam650

bee06 wrote: »

Shocking! It's almost as if they were trying to run a business and not a charity.

They don't be long about writing bad stuff about people making it difficult for them to obtain credit, their quick enough with that but not so quick to give information out

TonyStark

liam650 wrote: »

went on stubby gazette to see if i could find information on myself and they asked for a 369 euro payment, what a money racket, its all money with them

Just run a credit check on yourself on the ICB. It's cheaper 6 quid. But you do have to pay up front.

duffman13

Pay your debts and have a peaceful life otherwise return the goods and never use Littlewoods again.

Morpork

notjustsweet wrote: »

Of the data they hold on him yes. That's not the same as demanding a customer service agent tell him why his credit has been stopped though is it?
They aren't wrong to refuse to tell him over the phone something that they probably don't know. He can write and ask them for that data if he wants it, though for they've used an external company as most do they just return yes or no without details.

No its not the same because it's not what I said either. If the external company passed them information then they now have that. If he requested it he would find out why.

Vojera

liam650 wrote: »

well they said they do not have to share the conflicting information they found but 2 can play at that game...... due to conflicting information I cannot make payment to them now and i use my rights to withhold the reasons, just like they did, we will see how smart they are now

Honestly, you're just proving their point at this stage.

If you make a request under Data Protection rules they must give you a copy of any information they have on you, but you have to make the request in a specific way, not just ask someone over the phone.


No business is obliged to sell to you particularly if they discover you have breached their terms of service or deliberately mislead them. Pay your debts and move on.

liam650

duffman13 wrote: »

Pay your debts and have a peaceful life otherwise return the goods and never use Littlewoods again.

Peaceful either way won't make a difference

brightspark

Morpork wrote: »

No its not the same because it's not what I said either. If the external company passed them information then they now have that. If he requested it he would find out why.

It's obvious why they don't want to give him anymore credit, would you?

brightspark

TonyStark wrote: »

Just run a credit check on yourself on the ICB. It's cheaper 6 quid. But you do have to pay up front.

Paying isn't something the OP likes to do obviously.

Morpork

brightspark wrote: »

It's obvious why they don't want to give him anymore credit, would you?

Yes it's obvious and no I wouldn't.
It was discovered why from his thread 3 years ago. After I made my first post. I was simply responding to you, that's all.

liam650

Listen yeah, I'm not afraid of littlewoods, everyone on here trying to make out as if i fear them, they are 100% in the wrong, they should have gotten their facts right from the start instead of giving me goods then trying to change their mind because they failed the first time to do a proper background check

mugsymugsy

Pay them the money for goods they supplied otherwise face the consequences.

Disgrace isn't it....

brightspark

liam650 wrote: »

Listen yeah, I'm not afraid of littlewoods, everyone on here trying to make out as if i fear them, they are 100% in the wrong, they should have gotten their facts right from the start instead of giving me goods then trying to change their mind because they failed the first time to do a proper background check

I didn't see any posts suggesting you fear them, however as you imply they failed to do a proper background check, did you fill in the credit application account honestly, if not they might pursue you for fraud.

They were 100% in the wrong, but at least they remedied their mistake by closing your account


Might be worthwhile seeing if this site returns useful information, perhaps it's only for the UK, but as Littlewoods parent company is UK based it might have some information.

https://www.clearscore.com


If I was you I'd be more concerned about how your past behaviour might affect future mortgage applications, car loans etc.

baldbear

Liam, you sound like you are very bad with money. How old are you?

You need to stop wasting money you don't have.

lukesmom

Liam are you for real???? They are 100% obliged to carry out credit checks and are also entitled to refuse you any more credit. They obviously, upon further checks, saw how untrustworthy you were previously and have taken the precautions to prevent any further hassle from you. You are using the fact that they chose to carry out these checks after the fact, which they are perfectly entitled to do. You should use this experience as a wake up call. You are NOT entitled to credit from anybody! And buying off littlewoods is not the cleverest idea. Your sense of entitlement is overpowering. I suggest you wait until you've grown up a little to shop online again.

liam650

liam650 wrote: »

Listen yeah, I'm not afraid of littlewoods, everyone on here trying to make out as if i fear them, they are 100% in the wrong, they should have gotten their facts right from the start instead of giving me goods then trying to change their mind because they failed the first time to do a proper background check

Did you buy something from them? If so, did you pay for it in full? If not, they are entitled to seek payment. As for being refused credit, it's their right to do so. You might be risking future loans, e.g. for house or car, by ignoring your debts now.

MissShihTzu

Looks as though the OP has a nasty habit of running up bills and then refusing to pay them, based on the posting history. The cheek of these companies chasing him for money! I'm amazed he doesn't sue for harassment...

On a serious note. Get in contact with Littlewoods. If you can't afford to pay in full, fine. Offer then a fiver a week. I guarantee they will take it. Better some money, than goose egg. AFAIK, with the advent of the new credit register, if you owe more than E500, then the debt is registered, and it will impact on your credit. Mortgage, utilities, mobile contracts, rent, - you name it.

It is in YOUR interest to get this sorted.

brightspark

http://www.boards.ie/ttfpost/95610769

Customers refusing to pay are the reason why companies like Vodafone demand deposits.

MissShihTzu

brightspark wrote: »

http://www.boards.ie/ttfpost/95610769

Customers refusing to pay are the reason why companies like Vodafone demand deposits.

Hmm - I'm beginning to wonder. Can't afford it, or won't pay it? Either way, looks as though the chickens are coming home to roost!

liam650

So far they have been paid up to date as per the credit agreement but we are at a standoff position now, who is going to blink first, hopefully they take responsibility and accept my request for a credit limit increase so we can move on from this fiasco

hairyslug

I can't see them increasing your limit if you are threatening not to pay them. It's a big risk for little reward.

Innocent123

Who blinks first??? So you refuse to pay them for the goods you entered into an agreement for unless they offer you more credit? This can only end one way

njs030

liam650 wrote: »

So far they have been paid up to date as per the credit agreement but we are at a standoff position now, who is going to blink first, hopefully they take responsibility and accept my request for a credit limit increase so we can move on from this fiasco

You seem to think you're dealing with a person rather than a company?
There's no "who blinks first" they don't have to increase your credit limit because you want them to and you refusing to pay your debts is certainly not going to show them that you're a good customer to give more money too!!
Pay your bills and then consider asking for more money.

dobman88

TonyStark wrote: »

It's cheaper 6 quid. But you do have to pay up front.

Loved that line. Well played

DaveyDave

Customers who don't pay, DISGRACE!

What is it with LittleWoods and people not paying? Why do people actually assume they can order stuff for free and not pay it? Someone I know was giving out in the past they they closed their account for "no reason" but it was likely he wasn't paying them, what with the lack of a job and all.

Someone I know renting a property kept getting debt collectors letters for the previous tenant who racked up several hundred Euro with them along with it monthly increasing late fees.

The people doing this are probably the ones who think they can get a bill pay phone and just not pay the monthly fees. I heard of a guy bragging how he got a brand new top of the line phone once and was boasting about how he got it cheap and won't pay the bills. If only there was a way to track him down. They really need to ask for proof of address and some form of official photo ID when setting these things up! :rolleyes:

Sorry to tell you but you can't get everything in life "on tick". Even if you're up to date on payments at the moment they have absolutely no reason to increase your credit.

CeilingFly

liam650 wrote: »

So far they have been paid up to date as per the credit agreement but we are at a standoff position now, who is going to blink first, hopefully they take responsibility and accept my request for a credit limit increase so we can move on from this fiasco

Commercial company refuses to give credit increase to a customer with a poor credit record!

You think they are doing something wrong?

I think you need to look at yourself, if you can't afford an item, do without. Thinking you must get something and then pay for it on extortionate credit terms just builds up problems.

But to blame them for your own bad financial management is just plain ridiculous.