Logic Group Grrrr

xmaslolly76

I have just had a coversation with the logic group and told them i am not paying them until i have had a responce to a letter i was given on here regarding providing a copy of the credit agreement. After a lot of arguing and moaning he acceted this but they are real pigs. Also i have recieved 2 letters one from logic and one from a company called downland debt recovery that is why i called to see who to send the letter to they are one and the same company. Why did i ever get a littlewoods book.

How likely is it this letter will be effective. All he kept saying is it wasnt his responcibility to provide a copy of the credit agreement as i didnt take the debt out with them to which i said if you are chasing recovery it is hope i was right. e also emntioned that because i had been making paments then i had acceted the debt. my argument was they threatened court action whihc i didnt want and i wasnt aware of the law at the time.

OOOHH my blood is boiling now why do they have to be so arrogant :mad:

file_wizzard

xmaslolly76 wrote:

I have just had a coversation with the logic group and told them i am not paying them until i have had a responce to a letter i was given on here regarding providing a copy of the credit agreement. After a lot of arguing and moaning he acceted this but they are real pigs. Also i have recieved 2 letters one from logic and one from a company called downland debt recovery that is why i called to see who to send the letter to they are one and the same company. Why did i ever get a littlewoods book.

How likely is it this letter will be effective. All he kept saying is it wasnt his responcibility to provide a copy of the credit agreement as i didnt take the debt out with them to which i said if you are chasing recovery it is hope i was right. e also emntioned that because i had been making paments then i had acceted the debt. my argument was they threatened court action whihc i didnt want and i wasnt aware of the law at the time.

OOOHH my blood is boiling now why do they have to be so arrogant :mad:

If they cant provide a copy of the signed agreement then court action is a no starter anyway, further more if they continue to chase you without complying to your request for validation of the debt then just report them directly to your local trading standards office

xmaslolly76

Thanks wizzard

I needed some reasurance they can really knock your confidence when you call them as they make out you dont know what you are talking about and i have been bullied in to paying more than i can afford before and i dont want it to happen again.

Harassed_2

You have to send the letter, together with the statutory £1 fee (postal order's best) to the creditor, not the debt collector. Littlewood's in your case.

As far as the dc's go, just write and tell them the account's in dispute.

file_wizzard

Harassed wrote:

You have to send the letter, together with the statutory £1 fee (postal order's best) to the creditor, not the debt collector. Littlewood's in your case.

As far as the dc's go, just write and tell them the account's in dispute.

Providing the debt has not been legally assigned / sold, if it has you should of received an assignment notice from the original creditor.

jason.lawrie

Logic and Downland are the same company, based in the same building, on the same floor, using the same telephone collectors. When the debt gets passed on to Downland they send out 4 letters or so, then gets passed onto Logic for another 4 letters before being referred back to the client. They think by being passed on to "another firm" might prompt you to pay???Downland/Logic has a client support team - write to them requesting your copy of credit agreement and they will return your account back to the client as not viable to pursue as they know they cant take legal action. Its a case of calling your bluff.

xmaslolly76

Jason.lawries. Does this mean that i can send my letter to logic and not to little woods the debt is almost 10 yrs old and wouldnt now where to send it if it has to go to the club?

Percy_Vere

file_wizzard wrote:

If they cant provide a copy of the signed agreement then court action is a no starter anyway, further more if they continue to chase you without complying to your request for validation of the debt then just report them directly to your local trading standards office

NO NO NO NO NO !!!!!!

As I have mentioned previously this is just not the case. Littlewoods have litigated on many cases where their customer thought the same thing, the judges take a very dim view of this defence if the goods have been accepted and/or payments have been made which effectively admit the debt WITHOUT a signed agreement.

Usually Littlewoods will send out an unsigned copy of their agreement to comply with the CCA.

xmaslolly76

Up to you as to how you proceed but I would get in touch with Littlewoods and see if you can resolve with them, explain that you are unhappy with Logic.

Best of luck.

'edit'

Just noticed you say the debt is 10 yeard old - when was the last time you made a payment on it ? - if it was longer than 6 years ago then do not admit the debt and advise Logic that it is statute barred and they cannot pursue you for it.

Bargain_Rzl

Percy_Vere wrote:

Just noticed you say the debt is 10 yeard old - when was the last time you made a payment on it ? - if it was longer than 6 years ago then do not admit the debt and advise Logic that it is statute barred and they cannot pursue you for it.

Is this true? I thought it was only if the creditor had not "made any attempt to recover" the debt in the past six years. In this case they're clearly chasing it

xmaslolly76

so can some one please give me a definative answer should i send this letter as advised previously or not i have no aversion to paying them its just they bully you into paying more than i can afford my partner ended up paying the direct debit before and he wont do that anymore. I also sent them a break down of expences and they still refused my offer the only reason i dont let them take me to court is i am due to be rid of my one and only court judgement next year which means i can get a cheaper mortgage.

Percy_Vere

xmaslolly76 wrote:

so can some one please give me a definative answer should i send this letter as advised previously or not i have no aversion to paying them its just they bully you into paying more than i can afford my partner ended up paying the direct debit before and he wont do that anymore. I also sent them a break down of expences and they still refused my offer the only reason i dont let them take me to court is i am due to be rid of my one and only court judgement next year which means i can get a cheaper mortgage.

Please answer my question - Have you paid them at all in the last 6 years ? If not AND you haven't acknowledged the debt in writing to them then they cannot enforce it and make you pay.

I am unsure what letter you are referring to.