Summary No: 7 Summary Produced on: 12 Mar 11 ANY NEW TRANSACTIONS AFTER THIS DATE WILL APPEAR ON YOURNEXT SUMMARY 0014R/01/11042011_v2.0/006/0/0 106713-01-08 Page 1 Miss P Butche 6 95 14 Kayll Road Sunderland Tyne And Wear SR4 7TN 32124 Date Description Amount Your Total from Last Month 287.47
PAYMENT NOT RECEIVED Purchases, Chargesand Adjustments 30.17 Total Transactions This is the summary of all the items ordered, returned or any other adjustments in the month. 30.17 12 Mar 11 Your New Total 317.64 Your minimumpayment 266.56 Your overall credit limit 325.00 Available to spend today 7.00 Your current total 317.64 Your Silver Rewards Earned 31.67 Your minimum payment of 266.56 is due by 1 Apr 11, so please allow enough time for it to reach us. If posting, mail by 23 Mar 11; for all other payment methods pay by 28 Mar 11. Late or insufficient payments may incur a default charge. For a quick and easy way to pay or place an order, go to www.littlewoods.com or call 0844 822 8000 31.67 If you have a current arrangement Miss Butche you should continue to pay at your agreedrate. If you do not you should pay the amount due of 266.56which includes arrearsof 193.03. Please allow 7 days for payment by post and 4 days for all other payment methods. Choose how you want to pay! PAY WHEN YOU'RE OUT AND ABOUT Pay at your local PayPoint Take your payment slip, and cash up to 99 to any PayPoint outlet. A small charge of 50p per payment will be added to your account and will appear on your next statement. You may wish to add 50p to your payment to cover this. At the Post Office Take your payment slip and payment to any Post Office. A small charge of 50p will be added to your account and will appear on your next statement. You may wish to add 50p to your payment to cover this. Please make cheques payable to Post Office Ltd. At your Bank or Building Society Take your payment slip and cash or cheque to your bank or buildingsociety. Please make cheques payable to Littlewoods. Please note, not all banks offer an over the counter bill payment service. By Post Complete the payment slip and send it with your cheque to Payment Department, Sandringham House, Sandringham Avenue, CHELMSFORD, CM92 1LJ. Please make cheques payable to Littlewoods and write your account number on the front of your cheque. Please note all cheques are cashed on receipt; we do not hold postdated cheques. NEVER MISS A PAYMENT By Direct Debit Call us with your bank sort code, account number and the address of your bank, and well set it all up. VIA OUR WEBSITE Online Make your payments online 24 hours a day, 7 days a week. Just go to www.littlewoods.com and click on My Account PAY FROM THE COMFORT OF YOUR OWN HOME Home Banking Speak to your bank quoting our sort code 62-13-35, our bank account number 000 000 00 and your personal 8 digit account number found at the top of your statement. By Phone 0844 822 8000 Automated lines open 7am to 11pm, 7 days a week. YOUR SHOPPING ACCOUNT STATEMENT Page 3 Your Account Number: 14548736 Summary No: 7 Summary Produced on: 12 Mar 11 ANY NEW TRANSACTIONS AFTER THIS DATE WILL APPEAR ON YOURNEXT SUMMARY 0014R/01/11042011_v2.0/006/0/0 106713-03-08 Miss P Butche 6 95 14 Kayll Road Sunderland Tyne And Wear SR4 7TN 32124 Date Item No Description Amount Your SHOPPING ACCOUNTTotal From Last Month 287.47 Service Charges 22 Feb 11 Debt Collection Letter Fee 12.00 12 Mar 11 ShoppingInsurance Covers Your Purchases + Payments 6.17 12 Mar 11 Missed MinimumPayment Fee 12.00 12 Mar 11 Your NewSHOPPING ACCOUNTTotal 317.64 If you do not pay off the full amount outstanding, we will allocate your payment to the outstanding balance in a specific order, which is set out on the reverse of your shopping account statement. MINIMUM PAYMENT If you make only the minimum payment each month, it will take you longer to clear your balance. YOU HAVE FAILED TO MAKE A MINIMUM PAYMENT Failing to make your minimumpayment can mean that you have broken the terms of this credit agreement and could result in us taking legal action against you. It could lead to you having to pay additional costs and make it more difficult for you to obtain credit in future. Dispute Resolution If you have a problem with your agreement, please try and resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman. Identity theft: Shop with Confidence We take security of your personal data very seriously and we would never ask for your account details by email. If however you feel your details have been compromised, contact our dedicated Identity Theft Team, where you will be assigned a personal case worker who will deal with the matter for you. They can be contacted at; Identity Theft Team, Sandringham House, Sandringham Avenue, Chelmsford, CM92 1LR, 0800 0151 290 or alternatively you can complete an ID Theft Form on the website. IMPORTANT INFORMATION Regarding Insurance Cover on Your Account
If you have one of our Insurance products covering your account, e.g. Shopping Insurance, Extra Care Advantage, Account Cover Plus, it is important you periodically check your policy documents to ensure that the cover is still right for you. You need to be aware that: Depending on the cover you have it will change when you reach 65 or 75. If you fall 3 months into arrears on your account, your cover will be automatically suspended and only reinstated once your account is no longer in arrears and you have started making the scheduled payments again. Good News: if you havent shopped with us for a while and you have one of our Insurance products covering your account, your cover will continue as soon as you start shopping again. If you would like any further information or require a copy of your policy document, please go online, refer to the "Buying Insurance Through Us" section in the catalogue or contact us directly. Happy with our Service? We always aim to provide quality goods and first class service but recognisethat, on occasion, you may have cause for complaint. If you wish to provide feedback on any aspect of our service or goods we provide, you can either: Call us on 0844 822 8000and ask to speak to an advisor, or: Contact us throughour website at www.littlewoods.com AutomatedCustomer Service Line 0844 822 8000 You can use this service to: Make a payment Check your balance Arrangea return. Calls made from BT landlines will cost no more than 5p per minute. Charges may vary from other service providers. Lines open 7am to 11pm, 7 days a week. Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and regulated by the Financial Services Authority in respect of arranging insurance products. Can we help? Some frequently asked Questions and Answers Q: How much do I have to pay? A: You can pay as much as you like, but you must pay AT LEAST the minimum, Q: I've returned some goods but they don't appear on my statement? A: The date your statement was produced is shown overleaf. Any items received back into our Returns Centre after that date will be shown on your next statement. Q: How can I check my up to date statement details? Q: My amount left to spend is lower than my credit limit less my current balance. A: If you have bought items on Buy Now Pay Later, or have any other uncharged items, these will reduce what you have available to spend, even though no payment is yet required for those items. Q: When will I be charged for Buy Now Pay Later (BNPL) purchases? A: For payment to reach us in time, any Buy Now Pay Later will be charged to your account and appear on your statement the month before it is due. So for example a Buy Now Pay January would be charged to your December account. A: The simplest way is to go online at www.littlewoods.comand click on My Account all your details including your most recent transactions can be viewed here. Alternatively you can phoneour query line shown on the front of your statement. Allocation of payments If you do not pay the total outstandingbalance of your account in full by the payment due date, we will apply the amount you do pay to reduce what you owe in the followingorder: Any payments up to the minimumpayment; 1. Any Payment Protection Insurance premiums and then other insurance premiums (including, first, any arrears). 2. Any default charges and then any other charges (including, first any arrears), 3. Any other arrearsor overduesums on the account, 4. The part of the total minimumpayment due in respect of 20 week purchases and the part of the total payment due in respect of extendedplans pro rata. Any overpayment will be allocated to the payments at the end of each plan reducing the durationof each plan. Any overpayment will be allocated to the plans in the followingorder: 1. To 20 week purchases. 2. To the shortest of your extendedplans. If you have more than one plan of the same duration, we will apply payments to the plan with the highest interest rate first, and if there are more than one of equal durationand equal interest rate, we will apply to the oldest plan first. 3. If you make a payment that is more than the full balance for all items (including newpurchases) which have been chargedto the account, and also have Buy NowPay Later (BNPL) items which have not yet been chargedto the account, we will apply the excess payment towards those BNPL items, starting with the item which will next become due. ExtendedTerms If you have any separateExtended TermAgreements, payments will be allocated betweenagreementsas follows: i. To insurancepremiums and charges on your ShoppingAccount, as specified at 1 and 2 above. ii. Pro rata betweenthe balances due on 20 weeks and extendedplans on ShoppingAccount and on the separateExtended TermAgreements. iii. If you pay more than the minimumpayment, all the excess will be appliedin paying off the separateExtended TermAgreements in full beforethen being appliedas specified in overpayment allocation rules above. We may change this order for specific promotions, and if we do so we will tell you whenwe give you details of the promotion. Miss P Butche 6 95 14 Kayll Road Sunderland Tyne And Wear SR4 7TN 32124 Dear Miss Butche Account Number: 14548736 Notice of Default Sums under the Consumer Credit Act 1974 Please note that a default charge will now be added to your account, under the terms of your agreement, as you have breached the terms of the agreement. If you have not already done so, please rectify the position straight away to avoid any further charges and default communications. If you are having difficulty making payments or keeping to the terms of the agreement we would like to hear from you, so please call us now on Littlewoods. Please see below details of the default charge and the reason for it. Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and regulated by the Financial Services Authority in respect of arranging insurance products. Calls made from BT landlines will cost no more than 5p per minute. Charges will vary for calls made via other service providers. Shop Direct Finance Company Limited Aintree Innovation Centre Park Lane Bootle L30 1SL Telephone: Littlewoods Opening Hours: Mon to Fri - 08:00 to 21:00 Sat - 08:00 to 20:00 Sun - 09:00 to 17:00 Our Reference: DEFSUMNOT 12 March 2011 0014R/01/11042011_v2.0/006/0/0 106713-05-08 Details of Default Charge(s) AMOUNT PAYABLE: CHARGE DATE: REASON FOR DEFAULT CHARGE 12.00 22 February 2011 Debt Collection Letter Fee 12.00 12 March 2011 Missed Minimum Payment Fee 24.00 Total Default Charge(s) This Notice does not take account of default sums which we have already told you about in another default sum notice, whether or not those sums remain unpaid. Miss P Butche 6 95 14 Kayll Road Sunderland Tyne And Wear SR4 7TN 32124 Dear Miss Butche Account number: 14548736 - SHOPPING ACCOUNT Notice of Sums in Arrears under the Consumer Credit Act 1974 We are giving you this notice under the Consumer Credit Act 1974 because you have fallen behind with your payments. As a result, under the terms of your agreement, you may have to pay a default charge. We hope that you will bring your account up to date straight away, to avoid charges and arrears communications. If you are having difficulty making payments we would like to hear from you, so please call us now on Littlewoods. If you dont get in touch, we will assume that you are making a payment on receipt of this letter. Please see the summary below which includes details of your last 2 payments you should have made. Shop Direct Finance Company Limited Aintree Innovation Centre Park Lane Bootle L30 1SL Telephone: Littlewoods Opening Hours: Mon to Fri - 08:00 to 21:00 Sat - 08:00 to 20:00 Sun - 09:00 to 17:00 Our Reference: ARRNOT 12 March 2011 Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and regulated by the Financial Services Authority in respect of arranging insurance products. Calls made from BT landlines will cost no more than 5p per minute. Charges will vary for calls made via other service providers. 0014R/01/11042011_v2.0/006/0/0 106713-06-08 Details of last 2 payments you should have made: AMOUNT PAYABLE: DUE DATE: AMOUNT PAID: DATE PAID: NATURE OF AMOUNT DUE: 120.05 04/02/2011 0.00 REQUIRED PAYMENT 193.03 04/03/2011 0.00 REQUIRED PAYMENT Total amount outstanding from last 2 payments you should have made - 193.03 Missed and partly made payments This notice does not give details of missed or partly made payments previously notified whether or not they remain unpaid. Default Sums and Interest You may have to pay default sums and interest in relation to the missed or partly made payments indicated above in addition to any default sums and interest already included in this notice. Please contact us if you would like further details. This notice does not take account of any payments received after the date of the notice. Office of Fair Trading Information Sheet This notice should include a copy of the current information sheet on arrears prepared by the Office of Fair Trading. This contains important information about your rights and where to go for support and advice, for example on applying for a Time Order as well as our right to charge you interest. If it is not included you should contact us to get one. Please refer to the Office of Fair Trading information sheet for more information about how to get advice on dealing with your debt. If you already have a repayment plan with us, please continue to pay as we have agreed. 0014R/01/11042011_v2.0/006/0/0 106713-07-08