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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Rachandgary9

Help!! Littlewoods harassment started so soon!

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Hello, I’m very sorry I don’t think this post is in the accurate place, I couldn’t find where I needed to post.

 

I have an issue with Littlewoods and Very. I have been with them for about 6 years, I owe £6000 to Littlewoods and £500 to very.

 

I have always maintained payments up until 10 days ago when I have missed my first littlewoods payment due to have some financial difficulty. I received a few text messages from them saying they haven’t received my payment, which was fine.

 

That was until today, I have now unplugged my home phone because I was in double figures on the calls I had received, they now have started to call my mobile as they are not getting anywhere with the home phone.

 

I can’t afford to pay them anywhere near the amount that they want but I don’t know what to do or where to go from here now to protect myself and my family.

 

The calls started at 8 o clock this morning and haven’t stopped since, any advise would be greatly appreciated and I again I’m sorry for posting this in the wrong area.

Edited by fkofilee
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Welcome to CAG :)

 

Ive moved your thread - Dont worry about it being in the wrong place :)

 

On your mobile do you have a full log of the calls that have been made? If So write them down and post them up... Id like to see how many times they have contacted you!

There are rules against arrears and contact methods.

Most of that falls under Section 7 of the FCA CONC Sourcebook :)


**Fko-Filee**

Receptaculum Ignis

 

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Hello,

Thank you for your kind welcoming,

 

I have only received one call on my mobile since they switched from calling the house phone, I’m unsure how many times they called that as I unplugged it because nobody else uses that number,

 

They called me on my mobile at 13:07,

I just let it ring out because I knew it would be them too.

 

This morning when they called the home phone at 8, it’s school morning rush hour, and I didn’t really want to have a conversation with littlewoods when my children are running crazily around the house.

 

I would understand if this payment was months overdue but it was due on the 6th.

 

Thank you for getting back to me and for moving my post :-)

Edited by dx100uk
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Pop up online to you accounts and remove your numbers on both accounts

Put in a fake number of you can't leave it blank

 

Don't forget £12 penalty fees and ppi reclaiming


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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And don't talk on the phone about debts ever!

 

Esp to a no powers debt collector


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I will do that,

PPI was already checked on the account and it was found to have none apparently however they have charged me £12 lots of times for paying the day after the due date.

Do I write to them to tell them I can’t afford to pay them?

Thanks again

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I will let DX help you on this - Very clued up on this :)

But also go take a read of what i told you - When being dealt with in arrears - a company must treat you fairly - But harrasing phone calls etc - This is not fairly.

But if you do need any advice or clarification on the rules - Please do shout.


**Fko-Filee**

Receptaculum Ignis

 

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The mobile number has been removed now and the home phone number changed to a made up one.

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Thank you Fko-filee I appreciate your help.

Much appreciated

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Fko carry on

I'll be around later to detail things randg9...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The monthly payment for last month was £206, there has been a new statement issued from customer arrears team stating that I need to pay the £206 to bring the account up to date and also the new statement balance of £226 which also includes the £12 charge for late payment, so the amount they want off me now is £431.45 to bring the account up to date.

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Yes this is very early on,

I won’t be able to catch up,

my husband has taken a cut in pay and hours and we are now just surviving,

 

I need to ensure that my mortgage and priority bills are paid,

this is going to carry on for the foreseeable until financially my circumstances improve,

but obviously that won’t stop them because I owe them money.

 

I can understand that but the charges are going to be going on every time I miss them along with any interest they want to put on,

I was unsure whether to carry on like this for now or whether I needed to write to them or where to go from here.

 

The late payments on the CR is totally fine, well not fine but it’s not something that I am overly concerned about at the minute.

Edited by dx100uk
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As you already have a Mortgage then this wont be an issue.

And yes please do keep priority bills up to date. Mortgage / CT etc is KEY!

 

Not a mail order account which inst a PRIORITY DEBT.

 

Their charges can be challenged and removed. £12 etc

 

You can write to them offering £x per month based upon an I+E that you have completed.

Dont be worried if you can only offer them £1 a month for the foreseeable future etc. If they sell to a DCA - Then no matter :)

 

If legal action is bought - We can help defend :)


**Fko-Filee**

Receptaculum Ignis

 

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That’s what I shall do,

I will write to them offer them a small payment amount per month and then we shall take it from there.

Yes of course priority bills are up to date,

Thank you very much for getting back to me

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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and if they don't accept your offer [say

 

have you got any other consumer debts?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Andy thank you.

Ok that’s what I will do,

I will check out the template letters for a brief outline of what to put and how to put it. I will do that and keep you updated on any correspondence I receive or don’t receive as will lol probably be the case.

Thank you all for all your help and guidance.

Dx no consumer debts just a littlewoods and a very but I’m certain they are the same shop direct company, I missed the very payment so I’m sure I will hear off them too soon.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Yes Andy, I did see that report in the news. I’m sure I will still have to contact them both separately through letter because of the different accounts that correct?

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Yes...send the template to both for each account.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Ok I will do that,

I will keep you updated on progress.

Thanks

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