Groups

    Credit companies littlewoods etc

    Mainly open an account cause of the offers on here

    after paying it all off is there any drawbacks to leaving the account open and dormant, as usually it was for the deal so i doubt i would be using the account again

    or should i cancel and close it? but theres no close account options in my account

    17 Comments

    There's a possible danger that if you leave it open, you may be more at risk of Identity Theft - with another company having an open account for you = more mailings to go through the postal system with possible sensitive information.

    I think if you never intend on using it again, you'd be best to close it - think of all the trees you'd save! lol!

    Banned

    Not sure if you can close the account from your account (if that makes sense) probably have to write to them, but it is always advisable to close accounts that you have no intention of using as they have a credit on them and this goes towards your limit on credit (gawd that didnt make much sense either):oops:

    Muffin - I recently wrote to this asking them to close mine - was done with no fuss at all.

    close it,,, then when another great deal comes up for a "first order" ...open up a new account.!

    Banned

    Everybody in the uk has a maximum amount of "credit" they can recieve, say yours is £10,000, and you have 3 dormant accounts each with a £1,000 limit, then you decide you want a new car for £9,000 but you want it on credit, you will be refused because your avaliable credit is £7,000. Its best to close old accounts as they quickly mount up.

    Banned

    snakeeyes21

    Everybody in the uk has a maximum amount of "credit" they can recieve, … Everybody in the uk has a maximum amount of "credit" they can recieve, say yours is £10,000, and you have 3 dormant accounts each with a £1,000 limit, then you decide you want a new car for £9,000 but you want it on credit, you will be refused because your avaliable credit is £7,000. Its best to close old accounts as they quickly mount up.


    exactly what i was trying to say, well done put far better than me, yours actually made sense :oops:

    Original Poster

    nice info there!!!

    but when i write the letter to close my account i cant think of more words to say

    heres a draft

    this is so and so account number #######

    please close

    LOL

    Banned

    sounds fine to me muffin :thumbsup:

    Banned

    muffin247

    nice info there!!! but when i write the letter to close my account i cant … nice info there!!! but when i write the letter to close my account i cant think of more words to say heres a draft this is so and so account number ####### please close LOL

    its just as easy if you give them a call or send a message to them from the account query section in your account.

    so if you send them a message from the query section will they close the account??

    jaguark

    so if you send them a message from the query section will they close the … so if you send them a message from the query section will they close the account??



    Not for me - or by email Write then a letter and send it recorded :thumbsup:

    so it wont work by email either??

    i rang them up today.. they said that the account can be closed by ringing them up aswell...

    Just thought i'd let you know

    Even if you close the account it doesn't stop them sending out mini catalogues in future.
    I knwo 1 thing about the catalogues they don't really listen to what you tell them,I onyl use them when there is promotion codes about,anyway cos both of us in here will have an account,that means 2 catalogues will come twice a yr,I keep telling them not to send us a catalogue as I can view and usually order online and they still send them out,we must get about 16 catalogues a yr each in all!

    I might try to ask littlewoods to lower my credit limit - they have given me something stupid like £2500. I only need the account for using vouchers with £100 would do me fine.
    I did the same with my main credit card - and got the credit reduced to £500 so if it gets fraudulently used they wont get far with it.

    Banned

    Mum2Connor&Cerys

    Even if you close the account it doesn't stop them sending out mini … Even if you close the account it doesn't stop them sending out mini catalogues in future.

    if you really dont want to recieve catalogues, then ask to be removed from their mailing lists, there was some1 recently who asked, and they didnt do it, so he took them to court for invasion of privacy and something under the data protection act. Think he got 5 qrand compensation!

    snakeeyes21

    if you really dont want to recieve catalogues, then ask to be removed … if you really dont want to recieve catalogues, then ask to be removed from their mailing lists, there was some1 recently who asked, and they didnt do it, so he took them to court for invasion of privacy and something under the data protection act. Think he got 5 qrand compensation!




    I ain't really fussed about it myself,just its a waste of paper,they supposed to recycle them here according to council website but last time I put some out they refused them.
    Post a comment
    Avatar
    @
      Text
      Top Discussions
      1. miikeyblue and shabbird's (but mostly shabbird's) Tuesday night pub quiz!553780
      2. I want to talk about the WEATHER no politics no religion19047092
      3. The HUKD Student Discount code sharing thread (most codes on Unidays are si…7071341
      4. Do you have one of these 2.1 million 50p's selling for 20x its value?715

      See more discussions