CCJ from capquest- Old littlewoods catalogue- claim for£299.99

[sonway]

Received a letter today from capquest with a statutory demand under section 268(1)(a) of the insolvency act 1986 attatched to it.

 

can they make me bankrupt for owing the sum of £835.35

 

Any advice appreciated (quickly, as i wont sleep tonight)

 

Thanks

[Tingy]

The threshold for bankruptcy is £750.

[sleepingdog]

I thought that it would cost a company £3000 + to make someone bankrupt so I am surprised that they are doing so for around £800.

sleepingdog

[count orlok]

What are they chasing you for?

[sonway]

a catalogue debt

[count orlok]

How old is it, which company is it with, how did you take it out, do you owe them the money, if so how is it make up, does the balance include PPI or spurious charges?

[sonway]

Hi

littlewoods finance

capquest state that date of assignment is sep 06 but i did take this catalogue around 2000/2001

I feel that i do owe some money to them but not this amount

[Tingy]

I would take the SD with a pinch of salt. They can (and do) send these at when they want as it costs them nothing. After this it starts to cost them serious money and I cannot see them paying that out over an £800 catalogue debt, so personally I wouldn't get too worried.

[sleepingdog]

Hi , do you remember signing a agreement ?

sleepingdog

[count orlok]

When did you last make any payments on the account?

[sonway]

Cant remember signing any agreement but it was a long time ago so not 100% sure if i did or not.

[cerberusalert]

Don't forget, if you have not made payment or written admission of this debt for a clear period of six years (five in Scotland) it will be Statute Barred and they cannot take enforcement.

[count orlok]

Hi , do you remember signing a agreement ?

sleepingdog

Did anybody sign a littlewoods agreement back in 2001? what did littlewoods say when you asked them for a copy of your agreement? When I asked for mine they wrote back to me and said they didn't have one; game over.

[sonway]

i have paid something as they have threatened me many times within the last 6 years, only small amounts tho.

[sonway]

should i request a copy of the credit agreement? is it worth a shot?

[count orlok]

When was the last time you paid, and what did they say when you asked for a copy of your agreement?

[sonway]

i have never asked for a copy of the credit agreement,should i do this?

[cerberusalert]

Send Capquest a CCA request & a SAR to the original creditor. No doubt there are numerous charges you can reclaim + interest.

 

Was there any clear period of six years where no payment was made?

[sonway]

how do i send a cca request?

[Tingy]

Entirely up to you, but they can reconstitute them so easily nowadays it may not be worth it. Hope you took in my post earlier that it is highly unlikely they will make you bankrupt. They issue SD's for nothing, after that it costs them money, so I'd relax a bit.

[sonway]

should i reply to them?

[sleepingdog]

To put your mind at rest , I had Littlewoods catalogue debt taken out in around 2004 ,no agreement sent or signed back then ,only when I hit money troubles and Littlewoods were not playing ball and they had set around 7 different DCAs onto me did I request CCA. No agreement = no more enforcement , I would request CCA from latest DCA , and remember to send registered post.

sleepingdog

[sonway]

how do i do a cca request? please.

[baz1986]

I did cca littlewoods recorded delivery but the royal mail lost it so i have to send them another one tomorrow morning, this account was opened in 2002 so i hope they have lost it or haven't got one so i can have some more time to decide on whats best? can i ask you did they put you on a repayment plan with an in house debt collector.. Seriously though they will not take you to court especially if you paying them a token payment

[sonway]

i didnt go on any payment plan and i have had no in house collector. I hope they have lost it.