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Littlewoods direct catalogue debt


geriann
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I made £229 of littlewoods direct catalogue purchases in october 2008...that's not including shopping insurance.

 

i got my first [littlewoods direct] 'arrears collection dept' letter in december 2008.

 

in march 2009 i received a letter from littlewoods direct stating they intended to use the 'gone away information network' to determine if i have created an account and have no intention of paying...in otherwords fraud.:-o

*since that letter i heard nothing about that matter*

 

i got my first letter from a debt recovery company [nationwide debt recovery ltd] in april 2009. they threaten court action.

 

the same debt company started threatening a "debt collector" or "agent" coming to my house from may 2009.

 

in june 2009 littlewoods direct sent me a letter with the heading 'default notice'.

are companies allowed to threaten court/agent visits before sending the default notice?

 

by july 2009 te debt had got to £450.01p...because of charges and interest...and has stayed at that amount since then.

 

in sept' 2009 Lowell bought my debt...the legal action and home visit threats continued.

 

in november 2009 Lowell started to threaten getting a CCJ, which could lead to furthur court action, a bailiff or sheriff taking my possesions, a charge against my property, payments being taken from my bank account.

can they do all of that stuff?

 

later in noverber 2009 they passed my account to Hampton's Legal, which Lowell said was thier litigation specialists...Hampton's Legal continued with the same threats.

 

in january 2010 Lowell appointed my account to Red debt collection services.

Red even threatened a petition for bankruptcy 'if the balance exceeds the insolvency threshold of £750'.:!:

what does that mean?

in february they also started the threats of court action or a field agent visit.

 

since june 2010 Lowell appointed my account to Philips Specialist Bailiffs and Debt Recovery Agents.

they will 'commence recovery proceedures' on behalf of Lowell.

since july Philips started threatening debt recovery agents coming to my house.

 

my most recent letter [from Philips] was dated the 8th of september.

 

will Philips really send out an agent? soon?

 

i've not replied to any of these companies about this debt.:|

 

what should i do?

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Hi geri

 

If they send out a debt collector, don't speak to him, just tell him to go away, they have no rights or powers. If he doesn't leave just call the police.

Print this letter, stick it in an envelope, have it near the door to hand to him. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html, if you want you can send them a copy, send it recorded, also write cc: Trading Standards, with the address of your local Trading Standards Office.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

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I made £229 of littlewoods direct catalogue purchases in october 2008...that's not including shopping insurance.

 

i got my first [littlewoods direct] 'arrears collection dept' letter in december 2008.

 

in march 2009 i received a letter from littlewoods direct stating they intended to use the 'gone away information network' to determine if i have created an account and have no intention of paying...in otherwords fraud.

Well, it wouldn't be fraud, but it would be theft. I don't normally ask, but what happened that made you order stuff and never make one payment? :???:
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Same advice as in your other post regarding additions catalogue. http://www.consumeractiongroup.co.uk/forum/showthread.php?277302-Additions-catalogue-debt(1-Viewing)-nbsp

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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Am a little confused here.

 

Is this the same debt you have in the other thread under additions catalogue debt - and you got them mixed up.

 

Or are they two different catalogue debts taken out at the same time?

 

If so what was your change in circumstances?

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