Littlewoods - Received Baliff Letter - Help!!

[al_cooper]

Hi,

 

Some help again please!!

 

Received a letter today from the baliffs via Littlewoods catalogue demanding the full amount i owe them (around £400).

 

1) I cannot afford this!!

2) What do i do now, i was just in the process of writing to Littlewoods offering them a payment plan with my budget enclosed.

 

Many thanks

Alex

-x-

[BotB]

What do i do now, i was just in the process of writing to Littlewoods offering them a payment plan with my budget enclosed.

 

 

Continue with your letter.

 

Have they got a County Court Judgement against you? If not, the bailiffs are really just acting as debt collectors.

[al_cooper]

Hi,

 

No, just a debt collection threat, then to court threat.

 

Thanks ever so much, i have sent my letter this morning!

 

Alex

-x-

[sequenci]

the only way they can use bailiff action is if you default on a ccj. until then all they can do is ask for the money back and mess about with your credit rating or take you to court. remember to argue that if they WERE to take you to court then you will end up paying an amount you can afford anyway, so it is in their interest to accept your reasonoable offer.

 

my next question. did you ever sign a credit agreement with littlewoods?

[al_cooper]

the only way they can use bailiff action is if you default on a ccj.

I may be a little dim, but im 100% sure what a default is!! :?

 

Yes, i did sign a credit agreement with them too.

 

Thanks

Alex

-x-

[Guest Zooman]

PMed you my number it says between 6-7 make that 7-8.

[marianiamh]

hi there

 

just a bit intrigued, I have two accounts with littlewoods and are approx £1000 each i am paying them through payplan at the moment but i have never signed credit agreements with them, do i actually have to pay then???

[RBS EX Employee]

You can phone the debt collection agency now dealing with the debt and they can set up lower payments with you.

 

They wont instruct ballifs or take court action as long as you are honest and reasonable in repaying the debt.

 

If you STILL cannot make the payments they are wanting from yourself (they usually want the amount cleared within 6 months), you can ask the cccs or CAB to go through your income and expenditure and they legally have to accept a negotiated payment with them

[RBS EX Employee]

Oh, and dont write to littlewoods. Our mail's about 3 weeks behind, a phone calls easiest.

 

If Nationwide debt recoverys now dealing call 08706007070

If its still with littlewoods call 0870 600 50 81

[llktwelch]

I have a debt with Littlewoods/Peter Craig. The debt was Passed between about 3 different DCA's Now it is with A company called Interim Justitia. Who told me they would only accept £50 per month. Untill I spoke to the person who is dealing with my account and they accepted £25 per month for 3 months.

 

After serveral phone calls from them asking for higher payments and having to remind that my wife is not named on this account (As they were giving her information covered by data protection) I sent them a Statment of earnings and set up a standing order for the £25 pound.

 

Worked for me with this particular company.

 

llktwelch

[KAB]

Do you need to pay for something if you have not signed a credit agreement??

[pugsley]

bump

[jimfishybob]

Do you need to pay for something if you have not signed a credit agreement??

 

It depends on your own moral compass.

 

You are still liable for the debt and it could be argued that by making payments you have admitted this liability.

 

However, they would have a difficult time defending an action in court if they could not produce a signed copy of your agreement.

[jamesbond]

what if admin charges have been applied to that account which you claim to be unlawfull under the oft ruling?.. these companies have no morals so why put this in the equation..i am just having a go at this bunch with my sister who had an account with them...i hit them and there agents with a cca request asking for original signed agreement, neither have complied....i have used this and charges and non service of a summons to attempt to have a ccj removed she knew nothing about...we shall see what happens eh,now its with the court!! but i feel there is not much chance on there part.