Lowell - Old LittleWoods Debt - Follow On

[wannabeedebtfree]

This is debt 3/5, then I will stop creating new threads for a while!

 

My aim is to clear these debts at the lowest possible cost to myself.

 

If someone can tell me if I am doing the right things here and what action I should take next, it will be very much appreciated.

 

Type of Debt: Mail Order

Collecting: Lowell (Now own the debt. OC is LittleWoods)

Status: Default (04/01/2011)

Balance: £1120.00 (as per credit file).

Last Payment: Jan 2010

 

Penalty and interest charges already reclaimed.

 

06/01/13:

Letter sent requesting CCA.

 

29/01/13:

Sent another letter reminding them of CCA request deadlines and offered 25% F&F.

 

13/02/13:

Received a letter showing:

a) Credit Agreement with LittleWoods and my details ( no signature but was online application.) w/"additional terms and conditions'

b) Credit Agreement with Shop Direct details only w/ "additional terms and conditions"

c) Written statement on the status of my account and the balance payable.

 

They have completely ignored by F&F offers. I have not admitted any debt to Lowell.

 

How should I proceed with this debt?

 

Lowell did send me a letter at the end of last year saying they were going to pass on this debt to another DCA but that has never happened. Or I have not received any letters from them.

 

Thanks for reading

[dx100uk]

urm..

 

litllewoods have solda £1k debt

 

there must be something wrong with it.

 

whats the plan , a clear credit file?

 

dx

[wannabeedebtfree]

Is that unusual for LittleWoods?

 

Plan is to clear the debts on my credit file at the lowest possible cost. I realise the default wont come off my file till the 6 years is up.

[dx100uk]

when was this taken out?

 

dx

[wannabeedebtfree]

I dont have the exact date to hand but it was the end of 2007. Id say, October/November 2007.

[dx100uk]

the date will be on your cra file

 

dx

[wannabeedebtfree]

Of course, I just checked online. It was taken out on 05/10/07

[wannabeedebtfree]

CRA file also shows that "the lender could not provide account information(?)" for a 6 month period before the default was issued. Fishy?

[dx100uk]

oh what the imfamous 'U' ?

 

dx

[wannabeedebtfree]

Nope, It shows a '?' for 6 months. I believe this indicates that payment information could not be provided. Does this indicate anything else?

 

Thanks for your input on all my threads dx, what a guy.

[dx100uk]

wait for a threat o gram then now.

 

dx