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Quick question on CAT debt sold to DCA

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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
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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


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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?

 

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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.

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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 ?


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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..

 

 

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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!

 

 

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