Littlewoods review: Account default

Dear Sir/Madam,

Subject: Account Closure and Defaulted Status During the COVID-19 Pandemic

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the handling of my account with ShopDirect, also known as Littlewoods. I was extremely disappointed to discover that my account was closed during the COVID-19 pandemic, subsequently defaulted, and sold to a third party without affording me the opportunity to address the issue properly. This has placed an undue burden on my financial situation and added to the numerous challenges I faced during this tumultuous time.

Firstly, I would like to emphasize the extraordinary circumstances that prevailed during the pandemic. I understand that times were tough for everyone, but I expected a certain degree of empathy and flexibility from a company like ShopDirect. Unfortunately, my experience has been quite the opposite. I was severely impacted by the loss of a family member due to COVID-19, which resulted in significant emotional distress and depression. As a result, I was unable to think clearly or make informed decisions regarding my account.

Despite my struggles, I was taken by surprise when I discovered that my account had been closed and subsequently defaulted. This default marker on my credit file has made it incredibly difficult for me to access financial services and has negatively affected my ability to provide for my growing family. I believe that this action was taken without adequate consideration of the circumstances and without giving me a fair opportunity to resolve the outstanding arrears.

I would like to request that ShopDirect review my case with compassion and understanding. I understand the importance of addressing my outstanding arrears, and I am willing to make arrangements to pay off the arrears if given the chance. However, I kindly request that ShopDirect consider removing the default marker from my credit file. This would go a long way in helping me rebuild my financial stability, especially at a time when I am preparing to welcome a child into my family. I assure you that I am committed to fulfilling my financial obligations, and I hope that ShopDirect can extend a helping hand in this regard.

I believe that by resolving this issue in a more compassionate and understanding manner, ShopDirect can not only help me but also maintain the trust and goodwill of its loyal customers during these challenging times.

I would appreciate a prompt response and a reconsideration of my case. You can reach me at the contact information provided above. I hope that we can work together to find a reasonable solution to this matter.

Thank you for your attention to this important issue.

Sincerely,

Gabriel Wiwoloku