Jump to content


Quick question on CAT debt sold to DCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1009 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I can’t go into many specifics, as it’s not me personally involved. I have just been asked advice on a situation.

 

It’s a straightforward question really.

 

My neighbour had an account with Littlewoods, they hit financial trouble and the account went into arrears.

They arranged a payment plan and were paying.

Suddenly they are contacted by a DCA who has bought the debt and Littlewoods will no longer discuss it.

 

I’m unaware of any notice they intended to pass on the debt, just a phone call out of the blue today.

 

Is this all legal and above board?

I was asked, and to my knowledge,

I’ve said they shouldn’t have passed it on

a) while it was paid and

b) without notice.

Now I’m second guessing myself!

 

If there’s something dodgy, what can be done about it now?

Anyone know the correct procedure here?

 

Thanks

Edited by dx100uk
spacing
Link to post
Share on other sites

You should have received a Notice of Assignment from LOwell.

 

Yes its legal to assign debt to debt collectors...its part of your T&Cs of the agreement with Littlewoods.

 

Irrespective of whether there is a payment plan in place or not.

 

 

Regards

 

Andy

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 The National Consumer Service

 

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

Link to post
Share on other sites

tell them to not talk on the phone to the dca too!

they are not bailiffs

and have ZERO legal powers

 

might it be worthy for them to send a CCA request?

 

moved to mail order forum

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 they don’t talk to the DCA, how can they set up any payment plan to clear it off? Who do they talk to? Apparently littlewoods just put the phone down when he tried talking to them.

Link to post
Share on other sites

You dont...unless you want to pay them the full amount of the debt that they have bought for 10/15p in the £1.

 

If littlewoods dont want payment...why should you pay a DCA ?

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 The National Consumer Service

 

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

Link to post
Share on other sites

Which dca is it. There are a fair few that only buy unenforceable debts. Cabot for example.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
If they don’t talk to the DCA, how can they set up any payment plan to clear it off? Who do they talk to? Apparently littlewoods just put the phone down when he tried talking to them.

 

 

Simple answer is that they don't talk to anybody, certainly NOT over the phone!

 

 

If littlewoods have washed their hands of it then so should your neighbour.

 

 

The reason why they put the phone down is because Littlewoods have already been paid for the debt by their insurance, and then they have made a profit out of it by selling it to a powerless DCA.

 

 

Now this powerless DCA wants their pound of flesh out of them and wants to bribe them into paying the full amount?

 

 

 

And that's before any fees, penalty charges have been refunded!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...