Littlewoods cca/Lowells ***WON***

[wincote]

I am no expert, but from what I have learned on here, as far as I understand only a court can ask for Income and Expenditure,

you are not obliged to tell them anything especially if your account is in dispute. Tell them if they want it to do so through the court, as your account is in dispute anyway, the court I am sure would throw it out. Don't be scared off by Littlewoods. They Suck.

[skegleg]

I would think that quite a chunk of your income is protected and that it shouldnt be included in any repayment plan.

 

As GM has said, just write back and say that you DO consider it to be in dispute.. and no, you do not have to complete the I&E form.

 

Thanks for your reply citizenB

letter ready to go off tomorrow

my entire income is benefits so what they did get would be minimal to say the least .

[skegleg]

I am no expert, but from what I have learned on here, as far as I understand only a court can ask for Income and Expenditure,

you are not obliged to tell them anything especially if your account is in dispute. Tell them if they want it to do so through the court, as your account is in dispute anyway, the court I am sure would throw it out. Don't be scared off by Littlewoods. They Suck.

 

thanks for your reply wincote, dont worry i will not tell them anything unless they are entitled to it

letter ready to send to them tomorrow so lets see what they say now

[wincote]

thanks for your reply wincote, dont worry i will not tell them anything unless they are entitled to it

letter ready to send to them tomorrow so lets see what they say now

 

Hi Again,

Hope this will reasure you a few years ago I owed a small sum of money and recieved a telephone call asking for a breakdown of my income and expenditure, I refused and then was told under the companies terms and conditions they were in the right to ask for it. I asked them to send me a copy of their terms where it stated I had to enter into this. Never recieved a reply and never heard a word again. You just have to keep strong, they will try anything to scare you off. Good Luck.

[skegleg]

Hi Again,

Hope this will reasure you a few years ago I owed a small sum of money and recieved a telephone call asking for a breakdown of my income and expenditure, I refused and then was told under the companies terms and conditions they were in the right to ask for it. I asked them to send me a copy of their terms where it stated I had to enter into this. Never recieved a reply and never heard a word again. You just have to keep strong, they will try anything to scare you off. Good Luck.

 

Thanks for the kind words wincote

very much appreciated

 

got a statement of account off Lowells today, i understand this is law that they have to send these now so it will just be filed .

[skegleg]

Help please anyone

 

i sent a letter to lowells last week and i got a reply today (how quick is that)

 

anyways the letter states

 

Since receiving your last letter we have reconsidered your financial circumstances and your ill health.

On the basis that you inform us you are severely disabled and without any admission of liability, we are able to consider writing off the balance and closing this account.

To enable us to do so documentary proof of your ill health- a simple letter from your GP stating details of your ill health will suffice to allow us to create an internal audit trail to evidence the reason for the write off.

 

I have contacted my GP surgery who say they do not do things like this and if they did it would cost me money which i dont have

 

anyone have any ideas ?

[wincote]

Help please anyone

 

i sent a letter to lowells last week and i got a reply today (how quick is that)

 

anyways the letter states

 

Since receiving your last letter we have reconsidered your financial circumstances and your ill health.

On the basis that you inform us you are severely disabled and without any admission of liability, we are able to consider writing off the balance and closing this account.

To enable us to do so documentary proof of your ill health- a simple letter from your GP stating details of your ill health will suffice to allow us to create an internal audit trail to evidence the reason for the write off.

 

I have contacted my GP surgery who say they do not do things like this and if they did it would cost me money which i dont have

 

anyone have any ideas ?

 

O'h gosh skegleg,

 

As I understood if a company who requires such info they need or should write to your GP and be prepared to pay for the service, so don't know what planet their on. But they have agreed to atleast consider writing the debt off, if you come up trumps. I think it may be a wise move to write back again and say that because of your financial position you just wouldn't be able to afford to do this. However I know you are entitled to a print out of your medical history from your GP. I have mine, but it may cost you £10. Then you could just photo copy the parts you want them to read about you, this should surfice, other than that unless you put your account into dispute, there is nothing else you can do. Not that I know of, don't know if anyone else on here has a better idea, as I am no expert. If you are clear that you didn't sign a CCA and if Lowells can't provide one with your signature on, then you can put your account into dispute as in reality your debt doesn't exist. You may be wise to spend the time reading a thread on here. I just can't remember where it is at the mo, but will do a search and get back to you. Reading that thread may give you some peace of mind.

Regards

Wincote

 

P.S. Go to search at the top of the page and in search threads type in "littlewoods charges please help ***won*** by bones01. Read her thread and see how she was asssisted by LP and won. Like I say she started off not knowing anything but with some elses guidence and who knows the law, it is always worth following their advice. It is through that thread that I will be taking them to court. It is a very lengthy thread, but well worth digesting, this may give you more confidence in deciding your next move. You may have to go to the second page to find this thread, sorry but don't know how to attatch the thread from here for you. Sorry came back and I have done it, see below reply.

Edited February 13, 2010 by wincote

[wincote]

http://www.consumeractiongroup.co.uk/forum/mail-order-catalogues/176509-littlewoods-charges-please-help.html

 

Hi skegleg,

Think I have done it for, you will have to see if it works.

Regards

wincote

[The GodMother]

tell them the Drs surgery wants £100 for this and as they are asking for it they have to pay.

[skegleg]

thanks for the replies wincote and godmother

very much appreciated

I have now written a letter telling them my GP will not entertain writing to them , but i have outlined my illness, photo copied my benefit award letters and deleted my national insurance number and basically told them that this is proof enough and all they need , and either write it off as they say or i will save any spare money to go bankrupt as i have no assets dont own my own home and have no earnings

so the ball is in their court now

[citizenB]

I think it is for the company to write to your GP and pay any fee involved.

 

Fingers crossed this is the end of it for you.

[skegleg]

I think it is for the company to write to your GP and pay any fee involved.

 

Fingers crossed this is the end of it for you.

 

thanks for the info citizen

i hope also this is the end of it

will of course post when i get any reply from them

[wincote]

thanks for the replies wincote and godmother

very much appreciated

I have now written a letter telling them my GP will not entertain writing to them , but i have outlined my illness, photo copied my benefit award letters and deleted my national insurance number and basically told them that this is proof enough and all they need , and either write it off as they say or i will save any spare money to go bankrupt as i have no assets dont own my own home and have no earnings

so the ball is in their court now

 

 

Hi Skegleg,

Thanks for your reply. I would guess that what you have done should be enough for them, after all they can't question your benefit award letters, they may try, but tell them to go do one............as they say:p Let us know how they respond.

Best Wishes

wincote

[skegleg]

Received letter this morning from Lowell

 

saying they confirm the balance of the account has been written off and account closed

They have added my name to a stop list and will not contact me again either in relation to this account or any other account with my details which they may purchase in the future

 

They have also sent me a lovely bouquet of flowers today

so i would say this is a win

 

thank you so much everyone for without your help and support i could not have done it

[blind-as-a-bat]

So pleased for you Skegleg, one less thing to worry about.

 

Strange though, my OH got the same 'not in dispute as far as we a concerned' letter from cabot.

 

Cabot a lowells are not connected are they, they seem to be useing the same wording and timing?

 

I have bigger fish to play with, so not that bothered, but so glad your sorted

[citizenB]

Received letter this morning from Lowell

 

saying they confirm the balance of the account has been written off and account closed

They have added my name to a stop list and will not contact me again either in relation to this account or any other account with my details which they may purchase in the future

 

They have also sent me a lovely bouquet of flowers today

so i would say this is a win

 

thank you so much everyone for without your help and support i could not have done it

 

 

This is absolutely brilliant news. I am so pleased this is now over.

 

Keep your letter very safe

[wincote]

Received letter this morning from Lowell

 

saying they confirm the balance of the account has been written off and account closed

They have added my name to a stop list and will not contact me again either in relation to this account or any other account with my details which they may purchase in the future

 

They have also sent me a lovely bouquet of flowers today

so i would say this is a win

 

thank you so much everyone for without your help and support i could not have done it

 

Hi Skegleg,

 

Well what can I say................Another one Bites the Dust, am so pleased your now sorted, but hey.........what is with the flowers??? seems to me they are worried about something:lol:............but let them stew and enjoy the flowers. CONGRATULATIONS.

I hope mine is as easy:(

[skegleg]

So pleased for you Skegleg, one less thing to worry about.

 

Strange though, my OH got the same 'not in dispute as far as we a concerned' letter from cabot.

 

Cabot a lowells are not connected are they, they seem to be useing the same wording and timing?

 

I have bigger fish to play with, so not that bothered, but so glad your sorted

 

Hi Blind as a bat

good to hear from you

Dont have a clue if lowells and cabot are connected, but it was a long battle to get something positive to happen, lowells just kept saying there was no dispute i kept saying there was, but after the last letter i wrote i think they realised i was ill and had nothing to give.

good luck with your battles hope all works out for you

 

This is absolutely brilliant news. I am so pleased this is now over.

 

Keep your letter very safe

 

Thanks so much citizenB

very much appreciated, and dont you worry that letter is in the small safe we have with all their other letters so it is very safe

Thanks so much for your help

 

Hi Skegleg,

 

Well what can I say................Another one Bites the Dust, am so pleased your now sorted, but hey.........what is with the flowers??? seems to me they are worried about something:lol:............but let them stew and enjoy the flowers. CONGRATULATIONS.

I hope mine is as easy:(

 

well Wincote

Dont know what to say really, i think the flowers were sent because in the last letter they wanted proof of my disabilty, so although my GP wouldnt write to them i provided Proof and went into a bit of detail of how my illness affects me, i also told them i found this humiliating (because i did) but i think what detail i did go into probably made them feel either ashamed or sorry for me

Hope you manage to get something sorted about your dispute and i hope my posts have at least showed some people that it might be a battle but not to give up

[sam614]

Received letter this morning from Lowell

 

saying they confirm the balance of the account has been written off and account closed

They have added my name to a stop list and will not contact me again either in relation to this account or any other account with my details which they may purchase in the future

 

They have also sent me a lovely bouquet of flowers today

so i would say this is a win

 

thank you so much everyone for without your help and support i could not have done it

 

:lol::lol:

 

skeg:)

already said it all in pm

 

but have to add to thread.... well done.....

 

forget them now.they will not be back.

 

 

bobby and your muppets

 

 

do not forget to inform west yorks ts that you have FINALLY resolved.

 

use the usual quote of

 

"unfortunate and regretable incidence"

 

 

and get another bulk order in to the florist.

sam

[skegleg]

:lol::lol:

 

skeg:)

already said it all in pm

 

but have to add to thread.... well done.....

 

forget them now.they will not be back.

 

 

bobby and your muppets

 

 

do not forget to inform west yorks ts that you have FINALLY resolved.

 

use the usual quote of

 

"unfortunate and regretable incidence"

 

 

and get another bulk order in to the florist.

sam

 

Thanks for the pm sam and the reply here,

must say you are a star

yes i will inform everyone i need to that this is resolved

everyone here has been so helpful .

Thanks everyone once again