Tweet
Re Littlewoods Extra Care Insurance
Hello Everyone,
Can anyone please help me. Littlewoods applied this insurance to my account in 2001, thinking it was a compulsary charge I continued to pay it. I learned in October last year that this charge is actually a Payment Protection Insurance. This was added without my concent,, I have never recieved any documents to sign, but Littlewoods say that this Insurance is sold over the phone and is scripted, so no signature is required. However I have learned that if you haven't signed a Consumer Credit Agreement (which I know I haven't) that Littlewoods should not have applied this to my account. I don't understand anything about the proper procedures of trying to claim my money back, but am following what I have learned from others in the same situation. The reply's you get from Littlewoods are all the same, saying that because they were not a member of a Dispute Resolution Service at the time this premium was added that I can not claim this back.
I have since applied to Littlewoods for a true signed copy of my CCA, which I know they will have a problem with, also I have applied for a Suspect Access Report so I can hopefully work out how much they have charged me. I think I am right in saying that I can only claim back the last six years premiums. What I want to know is can Littlewoods now put my account into dispute, and what is my next move if they can't provide a CCA or my Suspect Access Report. Any advice would be very much appriciated.
Can anyone please help me. Littlewoods applied this insurance to my account in 2001, thinking it was a compulsary charge I continued to pay it. I learned in October last year that this charge is actually a Payment Protection Insurance. This was added without my concent,, I have never recieved any documents to sign, but Littlewoods say that this Insurance is sold over the phone and is scripted, so no signature is required. However I have learned that if you haven't signed a Consumer Credit Agreement (which I know I haven't) that Littlewoods should not have applied this to my account. I don't understand anything about the proper procedures of trying to claim my money back, but am following what I have learned from others in the same situation. The reply's you get from Littlewoods are all the same, saying that because they were not a member of a Dispute Resolution Service at the time this premium was added that I can not claim this back.
I have since applied to Littlewoods for a true signed copy of my CCA, which I know they will have a problem with, also I have applied for a Suspect Access Report so I can hopefully work out how much they have charged me. I think I am right in saying that I can only claim back the last six years premiums. What I want to know is can Littlewoods now put my account into dispute, and what is my next move if they can't provide a CCA or my Suspect Access Report. Any advice would be very much appriciated.
Comment