hi new here need help please,littlewoods debt!!

[hiitsme!!]

hi im new here,im just looking to get some advice on littlewoods.

 

ive been with them since 2007 or begining of 2008,i always paid on time till a few months ago,my partner lost his job and we had to stop paying them we were paying 400 a month,i rang and told them i couldnt pay that much and if they could lower the payments just till we get back on our feet,they ignored what i said and i was told to pay up, i told them ive never missed a payment and its not our fault he lost his job,enyway i kept getting calls and they upset me so many times that i changed my number,they have threatend me with court,bailifts but not in writing ive not had one letter about the debt,ive never had eny debt and im so scared i dont no were to turn eny help would be great,as my debt keeps going up and up thank you.

[cerberusalert]

Moved to the Debt Collection forum.

[silverfox1961]

Thread moved.

 

Hi and welcome to CAG. I have moved your first post to a more appropriate forum where hopefully, you will get more help

 

If you have a look in the library (top left-in green) you will find some letters to help you negotiate with Littlewoods.

 

DO NOT deal with this by phone. They will tell you all sorts of things on the phone that they would never dare say in a letter

[MARTIN3030]

Welcome to the site.

Can you confirm whether this is a catalogue,store card or what ?

 

What charges / interest has been added,and how have you been communicating-have they put anything to you in writing,and when was their last contact and your last payment ?

[hiitsme!!]

hi its a catalogue called littlewoods,my last payment was july it was 395 pounds, there adding a charge of 12 pound for every missed payment and 24 pound for something else not sure what and thats monthly,i have nothing but my monthly bill sent to me in the post i refuse to talk to them on the phone as they are really nasty

i have a different number now so they cant ring me,but when i had my old number it was once a week.

[hiitsme!!]

no sorry got that wrong last payment was june 395 pounds.sorry lol

[hiitsme!!]

i got my monthly bill from littlewoods today asking for £1700 and odd wow i dont no were am gonna get that from, enyway do you think it would help if i asked for a cca from littlewoods ive read up on them today and i dont think ive signed eny contract with them,just to get them off my back a bit.

[MARTIN3030]

Ok thanks for clearing that up.

First things first then.

You say that you have always paid on time therefore I assume there were no charges levied prior to the last few months right ?

These charges are a penalty although they will say they are not.

You need to be making a list of them all and adding them up.

If you have got statements then this should be easy.

If there are a few charges from 2007/8 even only a few,the interest on those added to the charges themselves could be quite a sum.

Many of our members have successfully got these charges back.This site has seen many get their charges refunded with interest.

 

Insofar as their attempts to contact you go,providing that you are prepared to deal in writing,and not ignore them,you can insist that all communications are done in writing.

Under Office of Fair Trading guidelines,and as holders of a Consumer Credit licence,they must not demand that you can pay more than you can afford,must not make threats that they cannot enforce,and should respond to your questions and deal fairly and transparent.

So in the first instance you need to;

 

1,work out how much the charges are

 

2.Make a request that they refund them.

 

3.Offer a repayment amount that you can realistically afford and keep to.

 

Keep everything in writing.

Edited September 15, 2011 by MARTIN3030

[hiitsme!!]

well so far ive had 3 months of charges because i have not paid,but my debt is pretty big it wasnt so bad till i let my mum use my catalogue she ordered a 1500 couch but she doesnt want to pay she stopped talking to me and so did my family,so its just me and my partner and our kids sorry to go on, but i will write to them about the charges they have added to my debt if they refund me then great but i cant see them letting me pay less as ive rang up before and they said with the debt being so big they will not accept enything lower than the monthly amount,my debt today is £4979 pounds its not like i dont want to pay its just ive not got enough,i hate the fact that my mum knows im in trouble with littlewoods and she wont even give me the couch i have to pay for,i feel so down most of the day but i will try to sort it