littlewoods debt passed to lowells

[Geddy1961]

i got into trouble paying littlewoods each month,

as i lost my job and was tough to find monthly payments.

 

last time i paid littlewoods i only had half the amount they wanted,

 

think they wanted £85 and i only had £40.

though the £40 was the only money i had that week,

so i didnt pay,

as we needed to eat.

eventually littlewoods passed this debt of around £530 to lowells.

 

i remember getting letters from lowells about making arrangements to pay this debt off.

 

after awhile i decided to phone them.

 

i said i would pay them £15 a month till debt was paid off,

 

by this time the had gone from £530 to £684,

with their charges.

 

guy i spoke too said £15 wasnt enough,

and said id have to fill in a income expenditure form,

which i said i didnt want to do,

so i said ok ill give you £20 a month,

then he said if i paid £22.50 a month it would be paid off 4 months earlier,

so i said ok,

and set up a direct debit,

the debt is down to £507 now.

 

after reading about lowells on here i am seriously thinking of stopping the direct debits to them,

and getting in touch with littlewoods and say to them ill pay them direct

,id like some advice on this matter,

if i should cancel dd or carry on paying lowells till debt is paid ?

[rebel11]

Hi geddy

 

Have a read of no1, 2 and 7 in my signature? Were you mis-sold PPI on the account?

[Jam_Buttie]

Tell Lowells what you can pay. Even if this is £1.00 per month.

[rebel11]

But set up a Standing Order, so they take the fixed amount each month, cancel the Direct Debit.

 

Tell Lowells what you can pay. Even if this is £1.00 per month.

[dx100uk]

no never ever pay a dca

 

and STAY OFF THE PHONE!!

 

a DCA has NO LEGAL POWERS

 

they are NOT bailiffs and can do NOTHING bar send threat-o-grams. regardless to the 'things' they claim they can on the phone

 

 

cancel the DD

 

ring you bank and specifically tell them not to honour ANY further requests for payments to lowlife.

 

pay LW direct by YOUR interent banking site.

 

Write and TELL THEM

 

they will be only be getting £xx for xxMTS as a goodwill gesture, then you will review

TELL them as a reciprocal GOGW your require all interest frozon & them to refrain from levying ANY PENALY charges.

 

if they fail to help [as they should under various guidelines]

 

then you will have NO alternative than to DROP the payment to £1PCM till you die.

 

and get relaimign all those PENALTY fees.

 

moved your thread to the cat forum

 

have a read of a few threads here

 

dx

[Geddy1961]

thank you for the replies.

 

ill cancel direct debit today

 

.then i should write letter to lowells ?

 

stating what you said ?.

 

and phone littlewoods and explain my debt had been sent to lowells,

but i want to pay them directly

 

,i remember littlewoods would not accept the offer i gave them before they sent this to lowells,

 

and they just kept adding £12 charges every month

 

,thats how debt got as big as it is.

 

if you could help me with a letter id be much appreciated.

 

also lowells do not have my newer address,

 

should i give them my new address when i write to them ?

[Geddy1961]

i went to the bank and cancelled the direct debit with lowells.she asked me if lowells knew i was cancelling it,i said yes,dont know if that will make much diffrence ? as they dont

[rebel11]

I would send Lovell's a letter Recorded, informing them of the fact.

 

i went to the bank and cancelled the direct debit with lowells.she asked me if lowells knew i was cancelling it,i said yes,dont know if that will make much diffrence ? as they dont

[dx100uk]

post 5 stuff goes to the OC NOT lowlife

 

ignore lowlife totally.

 

and get reclaiming..

 

if you've not got all the statements

sar LW

 

DX

[Geddy1961]

ok,

im getting a bit confused now,

sorry, what is OC ?

 

and post 5 ?

 

and when you say statements you mean bank statements showing direct debits going out ?

 

also on link to letter

,i just start letter with dear sir or madam bit or from top with addresses of myself and lowells ?

 

and give them my new address ?

 

also should i phone littlewoods right away and explain i will pay them not lowells ?

 

and what should i offer them a month ?

Edited August 20, 2012 by Geddy1961

[dx100uk]

OC is original creditor

 

read post 5

follow that

 

you need all the littlewood statements to get reclaiming their PENALTY fees.

 

SAR them.

 

dx

 

 

 

dx

[Geddy1961]

so i write a letter to littlewoods,the letter you put in link ? and what do you think i should offer them a month to pay this debt off ?

[dx100uk]

its a cat debt very very low priority ... £5

 

have a read of a few others threads here to get the idea

 

dx

[Geddy1961]

its a cat debt very very low priority ... £5

 

have a read of a few others threads here to get the idea

 

dx

ok thanks dx

[Geddy1961]

ill send a letter telling them ill pay them £5 a month,and say about freezing any interest etc like you said,and also send sar about reclaiming penalty fees ? if i end up having to pay themonly a £1 per month can they take me to court ? which im not bothered about really, ill go to court,just curious what will happen if they did take me

[citizenB]

Lowells shouldnt be adding any charges or interest ?

[dx100uk]

ill send a letter telling them ill pay them £5 a month,and say about freezing any interest etc like you said,and also send sar about reclaiming penalty fees ? if i end up having to pay themonly a £1 per month can they take me to court ? which im not bothered about really, ill go to court,just curious what will happen if they did take me

 

a judge would never make you pay anymore

 

they'd be laughed out of court

 

dx

[Jam_Buttie]

Offer them £1.00 per month. They'll moan about it and tell you how they cant accept it. But just pay it anyway by S/O.

 

That way if it EVER did go to Court (which it wont) then a Judge will laugh them all the way Never let some two-bit DCA tell YOU what to pay.

[Geddy1961]

Offer them £1.00 per month. They'll moan about it and tell you how they cant accept it. But just pay it anyway by S/O.

 

That way if it EVER did go to Court (which it wont) then a Judge will laugh them all the way Never let some two-bit DCA tell YOU what to pay.

i am not paying lowells anymore.its littewoods i am going to offer £5 a month.and if they dont accept or give me back the penalty fees they will end up getting £1

[Jam_Buttie]

i am not paying lowells anymore.its littewoods i am going to offer £5 a month.and if they dont accept or give me back the penalty fees they will end up getting £1

 

 

 

 

I'd just offer Littlewoods a quid a month. They wont accept it but just pay it anyway.

 

I managed to get a catalogue debt written off just by asking and sending in a letter from the DWP lol.

[Geddy1961]

 

 

 

 

I'd just offer Littlewoods a quid a month. They wont accept it but just pay it anyway.

 

I managed to get a catalogue debt written off just by asking and sending in a letter from the DWP lol.

how did you go about doin that ?

[PC Dire Hots]

no never ever pay a dca

 

pay LW direct by YOUR interent banking site.

 

Littlewoods will not take payment on the account if it has been passed to Lowell.

 

It goes like this.

 

Aprox 6mnths in arrears department -> Aprox 6mths in Nationwide Debt recovery -> Debt is sold to the highest bidder

 

Obviously after this Littlewoods no longer own the debt.

[Geddy1961]

so lowells are the highest bidder ? and if i dont pay them ill have to pay somebody else ? like another dca ? who i wont pay.

[dx100uk]

Littlewoods will not take payment on the account if it has been passed to Lowell.

 

It goes like this.

 

Aprox 6mnths in arrears department -> Aprox 6mths in Nationwide Debt recovery -> Debt is sold to the highest bidder

 

Obviously after this Littlewoods no longer own the debt.

 

passed is not 'sold'

 

poor advice.

 

dx

[PC Dire Hots]

passed is not 'sold'

 

poor advice.

 

dx

 

Except I work there, so I do know what I'm talking about. It's sold to them not passed for collection.

 

I can give you the number for the debt sales team if you like, you can ask them.