Littlewoods Debt

[smithy24b]

Hi Guys

 

Looking for some advice on my debt to Littlewoods catalogue.... I had been paying my payments on time for around 6 months, then became unemployed. I had taken out the 'payment protection' but I had to sign on before I could claim anything.

 

I recently became employed again (after around 3 months). I sent a payment of £50 last month, but my account has been passed over to a DCA.

 

I cannot afford to pay the amount that they want. I never signed a Consumer Credit Agreement - Can I ask them to provide it, and if they can't, does this mean I am not liable to pay?

 

Hope someone can help!!

[Innocenti]

I have a Littlewoods debt which has gone to a debt collector. They too wanted a sum I couldnt afford to pay. So I stuck to my guns and refused. They wanted something like £100 a month and I battered them down to £20 a month. It gets reviewed every 6 months and they try to higher the amount but I refuse everytime.

 

When they mention the magic "CCJ" word I tell them to go for it as I will prove to a judge that I can only pay £20 so they wont be any better off or get their money any faster and I would stop all payments and would CCA them.

 

Works for me :grin:

[rory32]

I cannot afford to pay the amount that they want.

You pay what you can afford, if that is £1 a month then that's what you pay. They legally have to accept this even though they often say they won't.

 

I never signed a Consumer Credit Agreement - Can I ask them to provide it,

Yes. Send the CCA request recorded delivery, enclose a £1 postal order and don't sign the letter.

 

and if they can't, does this mean I am not liable to pay?

 

Not quite, the debt still exists it just means that the debt can not be enforced even in a court of law. It is then up to you whether you choose to arrange payment or not.

[smithy24b]

Thanks for the advice guys... Am going to send a CCA request into them, recorded, today.... Will post on here and let you know what happens, and hope that you can advise me further!

 

Thanks again!

 

Smithy24b

[Dibsthefrenchie]

Smithy, what DCA is Littlewoods using? They used Wescot to collect an alleged debt with me, I sent a CCA request to them and they wrote back stating that the account was now closed and there would be no further correspondence.

Hope that gives you more confidence.

[smithy24b]

They're using National Debt Recovery, yes that does give me more confidence! So looks like sending in a CCA request is a good one to go for then?!

[pennypenny]

Yes Smithy, send a CCA. I sent one to NDR for a Littlewoods debt in March and have still not received mine. Since then it has been passed to Red Castle Recoveries so I just sent a copy of the CCA request to them and they have been quiet since then aswell. I would bet they definately wont have a copy of the agreement.

Good luck:)

Penny.

[dpick]

Hi yes send CCA you will get a blank with your name and address hand printed on it but no signatures and some blurb about you should have signed this etc

I sent letter to say agreement unenforceable re no prescribed terms they sent letter 3 weeks later admitting they cannot find agreement (funny we never signed one) and they will not be pursuing agreement.

 

all the best dpick:)

[2862tilly]

Hi can someone please help me, i am honestly ready for putting my head in the gas oven with this littlewoods, i have come out of work due to an accident, my DLA has stopped and i cant afford to pay them what they ask, i have offered them £30 a month, and they fefuse to accept it, they say i can pay it, but charges of £12 a month will still be added to my account, which i refuse to do, they are sending me letters from arrears collection saying i am ignoring their reminders, they are ringing me giving me hassle on the phone, i told them to refare me to a collection agency, oh we cant do that they said, i truly dont know what they expect me to do, and in the meantime my bill is going higher, what is this CCA i havnt signed anything, can someone please tell me what i need to do thankyou.

[Nishikigoi]

Hi can someone please help me, i am honestly ready for putting my head in the gas oven with this littlewoods, i have come out of work due to an accident, my DLA has stopped and i cant afford to pay them what they ask, i have offered them £30 a month, and they fefuse to accept it, they say i can pay it, but charges of £12 a month will still be added to my account, which i refuse to do, they are sending me letters from arrears collection saying i am ignoring their reminders, they are ringing me giving me hassle on the phone, i told them to refare me to a collection agency, oh we cant do that they said, i truly dont know what they expect me to do, and in the meantime my bill is going higher, what is this CCA i havnt signed anything, can someone please tell me what i need to do thankyou.

 

Have a little read and start your own thread as it's unfair to hijack another persons....

 

But if you are in receipt of benefits you should only offer them £1 per month as they will get no more even if they take you to court....