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Littlewoods/NDR - debt all penalty fees - anyone batted off a claim using these as a counterclaim?


jimjim5
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what do you mean JJ?

 

reclaiming?

 

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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If someone filed a claim e.g Littlewoods / ndr and the debt consisted entirely of late payment charges and interest. Unsuccessful claimback.

 

Can you successfully defend against it? Has anyone?

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it would certainly be a nice counerclaim.

blow them straight out the water!

 

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... 

Link to post
Share on other sites

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

If someone filed a claim e.g Littlewoods / ndr and the debt consisted entirely of late payment charges and interest. Unsuccessful claimback.

 

Can you successfully defend against it? Has anyone?

 

Why was the claim back unsuccessful? Did you just take no as an answer or did you issue Court papers?

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I tried a number of times to claim fees back, its just a point blank refusal.

 

Between losing job, stress depression, ill child with ongoing behavioural issues. Money worries in general, fighting with tax credits, other debts and another court case, I just havnt had the energy to continue the fight

 

They have not filed a claim yet they are threatening too.

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  • 3 months later...

Ok, I have my head together now and want to take on these buggers. The debt currenly stands at around 450.00 and the entire thing is ppi and charges. I got a final response this week and they are refusing to refund. They have passed it to lowell.

They delibrately sold the policy to me I was working full time, Temping. there is no way the policy would have covered me.

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ok well things have moved on a bit

 

which spreadsheet have you filled out?

 

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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I used the spreadsheet from year. The charges lowell are listing are way higher in the last year and shop direct have kindly shut me out of my account so I cant see if they have added more late payment charges on to it.

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sar

 

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... 

Link to post
Share on other sites

Got an email today from Lowell regarding the above, ordering me to contact them. They advised in the email that the debt was sold to them !!!!!!!!!!!!!!!! this is the first I have heard, i presumed that the debt was just passed to them for collection. As far as I am aware I should have recieved something from littlewoods to say as such. Can you please advise

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