Help Littlewoods debt

[manc girl]

i need some advice please,

 

i had a littlewoods catalogue over 5 years ago, i ran a debt up of £618.00,

 

one thing lead to another and i diid'nt pay it.

 

Yesterday morning i got a letter from a preofessional debt collector asking me to pay this amount in full.

 

I phoned this comapany up and explained i can not pay this amount in full,

i offered to pay £10 a month as i am not working,

 

they told me to send proof of my income and out going which i am in receipt of sending this off today 29/11/2012,

 

what i want to know is what are my rights and can they make me pay the full amount all at once,

 

any advice would be grateful as i am worried sick incase they come to my door and start harrassing me over this.

 

thank you in advanced

[Bazooka Boo]

DO NOT SEND THEM YOUR I&E!!!

 

DCA's have NO legal powers whatsoever, who is it that is calling themselves professional? They are far from it.

[manc girl]

They call themselves Rossendales collect, professional debt collectors

[BRIGADIER2JCS]

Hi, I'm afraid that phoning a DCA is a big mistake, but luckily it does not amount to an admission of liability!!

 

Now you need not send any I&E they are not entitled to that information.

Which debt collection agency is this please?

You do not have to speak to or deal with anyone who may visit you, they have no authority wj=hat so ever.

 

Check your credit reference files asap Experian (Credit Expert) Equifax have 30 day free trials or Noddle (Call Credit) Is free but not allways up to date.

 

When was the last payment made on the account.?

[ims21]

When was the last payment you made on the account?

 

Have you got all of your account statements as there may well be penalty charges on there that you can claim back?

[Crocdoc]

Never under any circumstances contact debt collectors by telephone. WRITING ONLY, THERE ARE NO EXCEPTIONS TO THIS RULE.

[Bazooka Boo]

Ha ha Rossers, yes very well known.

 

Far from professional as well!

 

No they cannot force you to pay the full amount, and no they cannot view such a personal and confidential piece of information such as your I&E.

 

You should deal direct with the catalog, ignore rossers, I bet there is loads of fees and charges added to that amount which you should reclaim form the catalog. A SAR (cost £10) should be sent to Littlewoods to get all the history of your account so you can see what fees and charges you can reclaim.

[manc girl]

Its that long ago i do not remember when the last payment was payed, i do not have any statements i have moved house since, this company wanted my phone number which i refused to give as the guy i spoke to was a little arragant with me.

[ims21]

As BB says, SAR the catalogue company to get all the data on the account.

[BRIGADIER2JCS]

Its that long ago i do not remember when the last payment was payed, i do not have any statements i have moved house since, this company wanted my phone number which i refused to give as the guy i spoke to was a little arragant with me.

Yes the SAR is the answer, use the tenplate from the CAG library, there is a £10 statutory fee payable Littlewoods have 40 day to comply, addresss the SAR to the data controller.

[i hate bailiffs]

Rossendales collect, professional debt collectors

 

 

:lol:

[manc girl]

Thank you all for the advice it is very much appreciated. Will let you know the outcome, i just panicked when i got the letter yesterday i just thought i was doing good when i phoned them, untill the guy on the other end was such an arrogant sod lol, and am still panicking cause i do not have that kind of money and with christmas coming up its hard enough but thanks for the advice.

[Bazooka Boo]

There is zero need to worry, honestly.

[manc girl]

Thank you bazooka boo will keep you posted

[manc girl]

Just updating. Not heard a peep from this crowd yet but expecting some reply in a day or 2.

Will keep you informed.