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Littlewoods / Premierman


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i have recently came out of work and can now longer make the payments to the above.

 

I have tried to reason with littlewoods and all they offed me was a way of transfering my credit balence to a payment plan loan

i think it is now i cant afford the payments and am looking to start the process of getting them to agre to a lower ammount (£1) per month

if i can and i would also like to claim back all my charges

 

i have the first letter template and will get this sent ASAP but need to know how i go about claiming back the charges if i can

 

i am looking to do this for both little woods and premier man.

 

with premier man they are also harrassing me for payments

 

any help would be great :wink:

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hi

see the guide in my sig.

 

have you got all the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yep

 

you'll need to SAR the OC

 

i've moved your thread to the cat forum

pleanty of threads here on the same to read up on.

 

can i just clarify

you've not taken the load have you?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you did.

 

ok so sadly the loan now included int on penalty charges & prob int on PPI

 

not got fleeced into taking out PPI on the loan did you?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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im not sure if its a loan its a repayment plan they put me on were the took my balence and added intrst to it i have been regular with pyments but last week i rang them to make my agreed payment of £21 and they told me it was £33 now because of charges after having a long argument with a very snotty advisor i was told i have to make the payment as i had agreed to it i am now at the point were icannot afford the 21 anymore so i think its time they got £1 a month for being snotty and not being willing to help me.

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oh me thinks this debt wil be 90% their charges

 

they even charge for giving you debt management advice

 

i'd get that SAR off pronto

 

and yes £1PCM is fine

 

its a cat debt, lowest of the lows in priority

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

After sending a email i have today recived the following response

 

Thank you for your e mail regarding a possible payment arrangement.

Unfortunately we are unable to accept your offer as it does not meet our minimum payment criteria.

Please contact us on 0844 822 4646 within the next 7 days to discuss the options available to you. If we do not hear from you, we will assume you no longer require our assistance in this matter and we would expect normal payments to resume.

Please note that failure to bring your account up to date will lead to administration charges being applied to your account and could affect your ability to obtain future credit. Your account may ultimately be passed to external debt collection agencies

they have a cheek i have subbited my income and outcome and i cannot afford the payments they are quoting

 

what should be my next step ?

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no one has any legal right to see your personal financial details

 

only a judge!

 

as for offering a payment

 

you DON'T

 

you TELL THEM - end off

 

its YOUR MONEY take control of it!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

After sending the second letter that was in the templates section I have today received the following reply from littlewoods. I need some help with this as I am unsure what to do next. Also I would like to claim back any charges they have put on the account. So how would I go about doing this ?

 

Thank you for your email and I am sorry we have been unable to agree an arrangement with you.

 

Unfortunately, the lowest arrangement we can offer on your balance is £18.50 which would be for 12 months. (I can only afford £5 per month)

 

I can see you have mentioned county court in your last email, are you dealing with a debt management company at the moment at all? If this is the case we would need to put you in touch with an alternative department who may be able to help you further

 

Any help anyone can off with regards to this would be much appreciated, thanks

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just pay what you want via internet banking

 

as for charges reclaim

 

the link is in my sig below

 

dx

 

another no sig day i see..

 

here:

 

GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT

read here

Credit Reference Agencies:Experian Equifax CallCredit

 

 

1. Single Premium PPI Q&A Read Here

 

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

rather than hittting to be my friend - hit the star

DX

Siteteam

rant.gif

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

After sending the second letter that was in the templates section I have today received the following reply from littlewoods. I need some help with this as I am unsure what to do next. Also I would like to claim back any charges they have put on the account. So how would I go about doing this ?

 

Thank you for your email and I am sorry we have been unable to agree an arrangement with you.

 

Unfortunately, the lowest arrangement we can offer on your balance is £18.50 which would be for 12 months. (I can only afford £5 per month)

 

I can see you have mentioned county court in your last email, are you dealing with a debt management company at the moment at all? If this is the case we would need to put you in touch with an alternative department who may be able to help you further

 

Any help anyone can off with regards to this would be much appreciated, thanks

 

Dont bother ASKING them if they will accept £5 PCM,

TELL them that they are getting £5 PCM !

hello all:-)

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