ANOTHER Letter from Debt Collector..what to do?

prudryden

immoral_angeluk wrote:

Call littlewoods and find out for certain if they have sold the debt and who to. If they have then ask them why they sent you a letter stating they weren't pursuing it, only to sell it on to someone else. ONLY when you have confirmed with littlewoods that that is happening should you acknowledge the debt with the DCA and organise weekly payments.

I agree that a letter acknowledging the debt is tantamount to an admission and should be considered only with some professional guidance. Calling Littlewoods can't do any harm and is a good starting point. One would hope they would tell you on ethical grounds, if for no other reason.

fuzzgun19

Thanks.

I don't know anyone with 'Legal' knowledge unfortunately. Think I would have to rely totally on the good people of this site.

I am going to call Littlewoods and see if I get anywhere, and then take it from there.

If they have sold it to DCA, do you think THIS letter would be ok, or should I just call the DCA for quickness?

prudryden

You really need to get advice on that letter from someone other than an anonymous poster on a public forum. Just look at the different personal opinions already on this thread. Go to this link and if you don't get help - come back. http://www.clsdirect.org.uk/about/index.jsp?lang=en

One thing though- don't be afraid of getting a court summons. It only means that a third person listens to both sides and makes a decision.

executiverocker

I really think you need to get legal advice rather than from here. So you can make ABSOLUTELY sure you are approaching this the right way

markokeeffe

If they have sold the debt then don't acknowledge it. Ask for proof of the original agreement and a certfied copy of the original signed deed of assigment. I can provide a superb letter should you need it. To be frank its unlikely they will sue. However, I like their wording. It is against OFT guidelines to say you WILL sue if you are not actually intending to, hence many DCAs now say they MAY issue court proceedings.

And why do these companies that deal with people that are apparently broke and cannot pay their debts insist on using the rip-off 0870 numbers!

fuzzgun19

Thanks. Will let you know if I need to take your offer of that letter.

I'm going to call Littlewoods in the morning. Hope i get a straight answer and dont get someone who doesnt know what they're talking about.

Will post back with result tomorrow. Thanks for all the advice so far, much appreciated!

fuzzgun19

ok, Called Littlewoods and it seems they DID sell on the debt to 'Debt Managers' (nice of LW to tell us).

Called DCA and arranged payments of £10 per month to them. They are going to send out a letter confirming this.

Glad it is sorted. Thanks for everyones help!

prudryden

fuzzgun19 wrote:

ok, Called Littlewoods and it seems they DID sell on the debt to 'Debt Managers' (nice of LW to tell us).

Called DCA and arranged payments of £10 per month to them. They are going to send out a letter confirming this.

Glad it is sorted. Thanks for everyones help!

Glad you got it sorted!

immoral_angeluk

Good to hear it's finally sorted hun!

rog2

Hi Fuzzgun,

I am glad that you are satisfied with your decision, although I can't help but feel that this 'debt' was unenforceable by the DCA and that Littlewoods appear to be going back on what they have said in their letter.
Still, as in all things, if you are happy, then that is the main thing.