Hello, I’m very sorry I don’t think this post is in the accurate place, I couldn’t find where I needed to post.

I have an issue with Littlewoods and Very. I have been with them for about 6 years, I owe £6000 to Littlewoods and £500 to very.

I have always maintained payments up until 10 days ago when I have missed my first littlewoods payment due to have some financial difficulty. I received a few text messages from them saying they haven’t received my payment, which was fine.

That was until today, I have now unplugged my home phone because I was in double figures on the calls I had received, they now have started to call my mobile as they are not getting anywhere with the home phone.

I can’t afford to pay them anywhere near the amount that they want but I don’t know what to do or where to go from here now to protect myself and my family.

The calls started at 8 o clock this morning and haven’t stopped since, any advise would be greatly appreciated and I again I’m sorry for posting this in the wrong area.

Welcome to CAG

Ive moved your thread - Dont worry about it being in the wrong place

On your mobile do you have a full log of the calls that have been made? If So write them down and post them up... Id like to see how many times they have contacted you!

There are rules against arrears and contact methods.

Most of that falls under Section 7 of the FCA CONC Sourcebook

Hello,

Thank you for your kind welcoming,

I have only received one call on my mobile since they switched from calling the house phone, I’m unsure how many times they called that as I unplugged it because nobody else uses that number,

They called me on my mobile at 13:07,

I just let it ring out because I knew it would be them too.

This morning when they called the home phone at 8, it’s school morning rush hour, and I didn’t really want to have a conversation with littlewoods when my children are running crazily around the house.

I would understand if this payment was months overdue but it was due on the 6th.

Thank you for getting back to me and for moving my post

Pop up online to you accounts and remove your numbers on both accounts

Put in a fake number of you can't leave it blank

Don't forget £12 penalty fees and ppi reclaiming

And don't talk on the phone about debts ever!

Esp to a no powers debt collector

I will do that,

PPI was already checked on the account and it was found to have none apparently however they have charged me £12 lots of times for paying the day after the due date.

Do I write to them to tell them I can’t afford to pay them?

Thanks again

I will let DX help you on this - Very clued up on this

But also go take a read of what i told you - When being dealt with in arrears - a company must treat you fairly - But harrasing phone calls etc - This is not fairly.

But if you do need any advice or clarification on the rules - Please do shout.

The mobile number has been removed now and the home phone number changed to a made up one.

Thank you Fko-filee I appreciate your help.

Much appreciated

Fko carry on

I'll be around later to detail things randg9...

Wonderful - that i will

So now that you will get some peace - They will now send you a letter telling you are in arrears. This is normal.

What is your current monthly payment?

The monthly payment for last month was £206, there has been a new statement issued from customer arrears team stating that I need to pay the £206 to bring the account up to date and also the new statement balance of £226 which also includes the £12 charge for late payment, so the amount they want off me now is £431.45 to bring the account up to date.

So you are in first stage arrears. One or 2 missed payments.

Do you think you can catch up?

Any late payments will be reported on your CRA.

Yes this is very early on,

I won’t be able to catch up,

my husband has taken a cut in pay and hours and we are now just surviving,

I need to ensure that my mortgage and priority bills are paid,

this is going to carry on for the foreseeable until financially my circumstances improve,

but obviously that won’t stop them because I owe them money.

I can understand that but the charges are going to be going on every time I miss them along with any interest they want to put on,

I was unsure whether to carry on like this for now or whether I needed to write to them or where to go from here.

The late payments on the CR is totally fine, well not fine but it’s not something that I am overly concerned about at the minute.

As you already have a Mortgage then this wont be an issue.

And yes please do keep priority bills up to date. Mortgage / CT etc is KEY!

Not a mail order account which inst a PRIORITY DEBT.

Their charges can be challenged and removed. £12 etc

You can write to them offering £x per month based upon an I+E that you have completed.

Dont be worried if you can only offer them £1 a month for the foreseeable future etc. If they sell to a DCA - Then no matter

If legal action is bought - We can help defend

That’s what I shall do,

I will write to them offer them a small payment amount per month and then we shall take it from there.

Yes of course priority bills are up to date,

Thank you very much for getting back to me

All the letter templates are already in our Library....

https://www.consumeractiongroup.co.uk/forum/showthread.php?387346-Ask-Creditor-to-Accept-Pro-Rata-Payments-**Correct-as-at-October-2013**

Andy

and if they don't accept your offer [say

have you got any other consumer debts?

Andy thank you.

Ok that’s what I will do,

I will check out the template letters for a brief outline of what to put and how to put it. I will do that and keep you updated on any correspondence I receive or don’t receive as will lol probably be the case.

Thank you all for all your help and guidance.

Dx no consumer debts just a littlewoods and a very but I’m certain they are the same shop direct company, I missed the very payment so I’m sure I will hear off them too soon.

Yes Andy, I did see that report in the news. I’m sure I will still have to contact them both separately through letter because of the different accounts that correct?

Yes...send the template to both for each account.

Ok I will do that,

I will keep you updated on progress.

Thanks