littlewoods & very!!! sold to capquest

[Emma19860789]

hi, am new to this site and would like some advice about how much i should be offering to littlewoods & very

which i owe around £8000 once bnpl & charges are added,

 

 

i am on benefits with 3 children & struggling to make ends meet at the mo

 

 

....& just dont no which way to turn,

 

 

i have been struggling every month to pay them £204

 

 

which is taking me more & more overdrawn with my bank...

 

 

..thankyou in advance!!!!!

 

hi, thankyou very much for the speedy replie, how do i go about offering them £1pcm do i need to put this in writing !!! thanks!

 

ok, thanks dx, will send letter off today, what do i do if they say there passing it over to a debt collection agencie, will also start process about reclaiming charges!!! but as im only paying £1pcm they are just gunna add more & more charges thanks!!

 

is there any template letters on here which could help me write up the correct sort of letter i need to send them!!!!!thanks again

 

thanks, dx maybe be able to enjoy a good xmas with my kids now without the need to worry!!!

 

very wont take offer of 5 pound pcm and say they are passing the debt over to nationwide debt recovery on the 15th, at wits end now just dont no what to do for the best

 

thanks, but they say its being passed to dca on the 15th any advice on how to deal with these companys and what can they do just dont no which way to turn with this anymore, thanks

 

thanks for the advice, but what can these dca do and how should i deal with them thanks once again.

 

thanks, but keep thinking bailiffs are going to turn up at the door.

 

thanks, for all the advice is there any sort of letter i could send to stop all the the rubbish im about to get from the nationwide debt recovery thanks.

 

ok thanks ill try this and see how it goes just dint wont bailiffs banging on the door, these companys make me sick the way they treat you, always paid full amount on time but now i can no longer do that through not being able to work due to ill health, with 3 young children to look after they are slowly grinding me down thanks again for the advice on this.

 

recieved letter from ndr this morning demanding payment, but yet very has still sent monthly statement out and took the £5 which i am paying every month but who do i pay now ndr or carry on making £5pcm to very ?

 

or is ther any sort of letter i can send to ndr just dont no what to do.........thanks

 

Hi could some one give me any idea if my partner will be able to claim working tax credits , I claim ESA contribution base have 3 children and get child tax and my partner works 27 hours per week will she be able to claim working tax or does my benefit affect it thanks any info would be fantastic

 

Ok thanks

 

Hi all hope someone can help , would like to no if there is anyway I can get very to stop adding interest to my account so that I can begin to start seeing the balance come down instead of going up and up any help on this would be great thanks

 

Hi could anybody tell me how I could possible get very to stop adding intrest to my account so I can start to see the balance coming down instead of getting higher and higher any help would be really great with this as I just don't no what to do thankyou

 

Hi all,

Any help much appreciated.

 

 

My little woods acct has now been sold to cap quest.

 

 

I owe £5013.76 majority of this is interest and charges

 

 

I am not disputing I owe them money but not wanting to pay all the interest and charges .

 

 

I spoke to cap quest this morning and they are asking me what exactly I'm disputing as

they will go back to little woods and tell them this as I have no involvement with little woods anymore.

 

 

capquest are going back to little woods to get all my statements from 2008 (when acct was opened).

 

 

I am disputing the fact that 1 month they would put interest on then they wouldn't

and now my acct has spiraled out of control due to this matter.

 

 

I want to know if they send me my statements out back from 2008 but don't send them all back

 

 

do I have to pay all the debt even if there's statements missing or have no signature against them.

 

Re: littlewoods & very!!!

Hi all,

Any help much appreciated.

 

 

My little woods acct has now been sold to cap quest.

I owe £5013.76 majority of this is interest and charges

I am not disputing I owe them money but not wanting to pay all the interest and charges .

I spoke to cap quest this morning and they are asking me what exactly I'm disputing as

they will go back to little woods and tell them this as I have no involvement with little woods anymore.

capquest are going back to little woods to get all my statements from 2008 (when acct was opened).

I am disputing the fact that 1 month they would put interest on then they wouldn't

and now my acct has spiraled out of control due to this matter.

I want to know if they send me my statements out back from 2008 but don't send them all back

do I have to pay all the debt even if there's statements missing or have no signature against them.

Also is there anyway I can get some of the interest to of the acct.

 

Regards mark.

 

Hi thanks for your help DX100uk I have started a new thread.

Edited October 26, 2014 by Conniff

[rebel11]

Hi marco

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Thread moved to the correct forum.

 

We have Rep's from those companies on site. They can look into the matter. They should pick your thread up.

 

http://www.consumeractiongroup.co.uk/forum/member.php?321020-Shop-Direct-Official-Company-Rep

 

Have you incurred bank charges that you can claim back under 'Hardship'.

[dx100uk]

we'll need more info

but

this is NOT a priority debt

 

as you are on benefits at BEST you should only be paying £1PCM..

 

you mention charges.......

 

as with ALL loans/credit cards etc etc

 

there is NO legal remit to allow 'penalty' charges

for

say over/late/missing/letter/phone call/failed DD

 

you need to be looking at RECLAIMING all these fees on all your debts

 

cat co's are renound for adding anything they can.

 

if you dont have all the statements

 

i'd SAR them to get the statements

 

and get reclaiming - we'll help

 

also dont forget mis-sold PPI too!

 

remember itts YOUR money

YOU take control NOT THEM.

 

cancel any/all DD's you have and pay then via internet banking site

 

dx

[dx100uk]

you are not offering ANYTHING!

 

you write and TELL THEM

 

that for xx mts they will be getting £X PCM

 

end off

take control

 

dont let them do it!

 

more importantly though get the SAR off and GET RECLAIMING!

 

dx

[dx100uk]

ok, thanks dx, will send letter off today, what do i do if they say there passing it over to a debt collection agencie, will also start process about reclaiming charges!!! but as im only paying £1pcm they are just gunna add more & more charges thanks!!

 

dca's can do nothing dont worry

as for more charges tough!

you claim them back too!

 

you dont need a template to tell them what you are doing!

 

4 lines will do

 

dx

[pjc71]

how did it go with very i am having problems with them at the mo

[SURFBOY]

What I did with Littlewoods and very was to work out the value of the goods i had orderd, split that up into monthly payments THAT I COULD AFFORD TO PAY!

Then TOLD them that is what they were getting from me !

They can add all the charges they want, dont make any difference, they are getting paid for the goods i orderd and nothing else!

YOU need to take the driving seat with these companies and dont be bullied by them!!

[dx100uk]

you dont offer you TELL THEM.

 

end of

 

its a cat debt

 

the very very lowest of priorities.

 

dx

[Space Cadet uk]

Ignore the DCA letter and keep paying, it's all huff and bluff, they will never take you to court, balliffs will not call, regardless of what the letters say, just keep paying the £1PCM without fail.

[SURFBOY]

Just pay the £5 pm you have offerd them and forget about all the rubbish they will tell you. And stop worrying about this, there realy is no need to fret.

YOU take controll , dont be intimidated by them.

[SURFBOY]

Just carry on paying the £5pm to very. IGNORE the debt collectors, trhey can do NOTHING to you only send silly letters.

[Space Cadet uk]

thanks for the advice, but what can these dca do and how should i deal with them thanks once again.

 

They can do nothing except make threats, just ignore them, no matter how hard it feels.

[Space Cadet uk]

thanks, but keep thinking bailiffs are going to turn up at the door.

 

 

That's the idea of the letters, to make you think they are, they cannot and will not.

[SURFBOY]

I think you will find NDR and Very are the same company anyway.

[SURFBOY]

Bailifs will NOT turn up.

They can only do this if you lose case in court and refuse to pay the judgment ammount.

Now as you are paying them £5 pm it wont even get to court.

Realy, Stop worrying!

Do not confuse debt collectors with bailifs!

[SURFBOY]

Dont waste a stamp, just IGNORE and carry on paying £5 pm to Very.

If they telephone just refuse to answer security questions and then put phone down.

It realy is as easy as that.

[SURFBOY]

Please dont worry about Very. you pay what you can realisticly afford, when you can afford. You are not refusing to pay, you are doing nothing wrong.

DONT WORRY.

Why do you think you will have bailiffs banging on your door?

[SURFBOY]

NDR ,Very, Littlewoods. They are all the same. Just carry on with your Very payments.

[dx100uk]

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

 

 

 

did you get that SAR off?

 

dx

[pjc71]

hi dx would you have the address to send this too as i am getting letters from a ndr debt company do i send it to them or straight to very

 

thanks for your help and time in advance

[dx100uk]

shop direct address

 

dx

[pjc71]

thanks mate i will get that off in the morning

[dx100uk]

did you ever send shop direct an sar to get all the statements?

 

 

might be an idea.

 

 

as for capquest

 

 

please STAY OFF THE PHONE.

 

 

dx

[dx100uk]

so post 23 sar time?

 

 

stay off that phone too

 

 

dx

[Emma19860789]

Hi all,

 

I have a little woods catalogue with a balance of £5000.

 

 

I opened the acct back in 2008 .

 

 

I got by now pay later items then lost my job couldn't make the payment in full

only able to pay min payment interest and charges were going on making my acct spiral into the amount it got to now.

 

 

little woods have now sold my debt to cap quest.

 

 

I want to know if there is any way of getting some of the interest and charges took of my acct

 

 

I'm now disputing the fact I owe them money or trying in any way to get out of paying the back

 

 

it just that the balance now £5k probably £2k of that is intrest and charges . Any help much appreciated.

 

Regards Emma,

Edited October 26, 2014 by citizenB