thankyou hopefully i can get this printer up and working by the weekend. I know i sound like i'm panicing well i am a lot ,unfortunately i have been helped in the past with things like this because i'm not a very good letter writer but that help is gone and i just didnt know how to handle the situation so thankyou for your help

thank goodness for that but will sending the cca be me acknowledging i have debt with them i know i must sound stupid as anything right now but i just want to make sure that me having any communication with them does not set a ball rolling for them. I've stayed clear of them for years keeping it at the back of my mind but it niggles at me that its there and the letters were few and far between at my last residence but i've had one every few weeks for the last few months it's hard to ignore ppl who are telling you there going to take things off you for someone elses mistake

i must make it clear that i don't work i'm a housewife and they have my maiden name not my married one there not able to touch my husbands earnings are they?

i will send cca but my concern at this moment in time is to make sure they can arrest any earnings or send a sheriff to my home to take anything

thankyou brig.

yes they have tried this on my mobile luckily it is registered to my mum so i told them they had the wrong number. They still have my house number but haven't used it in some time now. I think i just got to the point to find out whether i should just start giving them something by direct debit but after being on here and reading a few of the threads linked to them it doesn't sound the best idea either. I owe littlewoods just a litte over a grand however there saying over 2 grand but that includes the charges they put onto the account while it meant to be suspended because of the appeal i was unhappy with this and told littlewoods this is the point where they just stopped communicating with me and sent it to lowell.

No payment has ever been made to lowell themselves as for littlewoods i would have to say 2008 but i would have to check i have never acknowledged the debt with lowell. They had tried to phone me but i hung up as that is what i was advised to do to them. Is the CCA template letter on this site and unfortunately i'm unable to scan any thing onto pc at the moment my printer is not working cherry80

i have just found where to post it sorry i'm a bit clueless on how to use this site

I was wondering if this company are in leeds and i'm in scotland what they are entitled to do to my legally. It started with a dispute with littlewoods over payment dates and then they passed it to Nationwide debt and then they took my insurance off me. I went through citizens advice to settle it sending off forms detailing my finances and what i could afford and littlewoods did nothing with this. They then passed it to lowell who have been hounded me since 2008/09 despite me telling them that is wasn't that i didn't want to pay littlewoods it's that i was appealing my insurance being taken off and that instead of littlewoods dealing with the appeal the just bumped it off. A few months i moved and they seemed to have passed it back to littlewoods and then passed it back to lowells due to my change of address which i did not inform them off and now they have passed it to hamptons legal and they are threatened inhibition against my property(i'm a tenant not owner what does this mean?) earnings arrestment and a court sheriff being used to remove goods from my house. They have also said they have a copy of my credit file surprising since they have my new address but not my married name. What does all this mean for me i'm very confused and don't know where to go from here?

I was wondering if this company are in leeds and i'm in scotland what they are entitled to do to my legally. It started with a dispute with littlewoods over payment dates and then they passed it to nationwide debt and then they took my insurance off me. I went through citizens advice to settle it sending off forms detailing my finances and what i could afford and littlewoods did nothing with this. They then passed it to lowell who have been hounded me since 2008/09 despite me telling them that is wasn't that i didn't want to pay littlewoods it's that i was appealing my insurance being taken off and that instead of littlewoods dealing with the appeal the just bumped it off. A few months i moved and they seemed to have passed it back to littlewoods and then passed it back to lowells due to my change of address which i did not inform them off and now they have passed it to hamptons legal and they are threatened inhibition against my property(i'm a tenant not owner what does this mean?) earnings arrestment and a court sheriff being used to remove goods from my house. They have also said they have a copy of my credit file surprising since they have my new address but not my married name. What does all this mean for me i'm very confused and don't know where to go from here?

I'm a bit clueless when it comes to these things can't find how to start a new thread i'm having issues with lowell/hamptoms legal i live in scotland and wondered what they are entitled to do to me legally dispite it being an initial dispute with littlewoods? Any help would be apppreciated