Hello everyone, I would like to request an Statement of Account from Littlewoods, what should my letter say? See story below... I've opened an account with them a few years back (I cant remember the year) and started with a credit limit of £750, they have gradually increased that limit until it got to £7500 and I couldn't keep up with the monthly payments anymore. They've now pased the account onto Lowells for the outstanding balance of £5900 to be collected. I looked on my credit report to find out when the account with Littlewoods was opened, but it somehow disappeared from there (Noddle), instead i have a defaulted Lowells account showing. I am trying to find out how often they have increased my credit limit and when it was opened, hence my question about the statement of account. Thank you

Thank you both for the advice and help and of course your time, my debts go back to 2013 loads of payday loans, I've pulled my credit report today and looked back, I will compile a list this weekend with all of them paid and still outstanding, I'm probably going to get the shock of my life looking at all the waited money !! But unfortunately what is done is done. Thanks again

Dear All, I have started a thread yesterday, but i feel a new one is needed with a bit more detail in order to get some help! I've had a very big gambling problem , started becoming serious about two years after my son was born, in 2012/13, now under control however, a little too late. Long story short, i have cashed in about £5000 worth of NS&I bonds after i gambled away my income, maxed all my credit cards then started taking out payday loans when all the cards were useless. From there on everything just went downhill fast, started winning , paid some money back, took them out again then started loosing everything. Of course then I got desperate for more money chasing my losses and hoping somehow all that money miraculously would come back (how stupid was I !!!) and took a loan out in my partners name for about £2200 with Avantcredit. He's only just found out about it, and to say the least he's absolutely fuming! (can't blame him ) I need desperately to get out of this mess . ..i don't know where to start! he's not speaking to me at the moment the atmosphere in the house i can't even describe! I've paid avantcredit back a little bit then stopped due to all my other debts! It is obviously on his credit report now, do you think if i contact the company and tell them it was me that created the debt and not him, they will remove it from his credit file? I obviously need to pay them back, would they agree to that or would they report me for fraud? Thank you in advance I forgot to say, my debts now are somewhere around the £25000 figure

Thank you

http://www.consumeractiongroup.co.uk/forum/showthread.php?471368-wife-has-run-up-over-£25k-of-unsecured-debt! Is there a template letter that you could send to the debtor? Hi there, I'm in the same position as your wife (very ashamed of myself) I've got around £25000 debt and so stressed about it I don't know where to even start! Is there a specific letter you used to write to them as in a template or did you just explained the situation? I would be very grateful for your help

Thank you

Hi, This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out. I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it! I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that might've perhaps put a stop to that (I'm not blaming them). Thank you in advance