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ANOTHER Letter from Debt Collector..what to do?

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Comments

  • Hi,
    you should never have agreed this.
    Littlewoods cannot sell an unenforceable debt. I would now wright to the DCA asking for a copy of the credit agreement.
    The law is simple, if no agreement can be found by the creditor or their DCA= THE DEBT IS NOT ENFORCEABLE.

    I think i would be telling the DCA to get knotted.
  • fuzzgun19
    fuzzgun19 Posts: 7,767 Forumite
    Part of the Furniture 1,000 Posts
    MCBIRNIE25 wrote:
    Hi,
    you should never have agreed this.
    Littlewoods cannot sell an unenforceable debt. I would now wright to the DCA asking for a copy of the credit agreement.
    The law is simple, if no agreement can be found by the creditor or their DCA= THE DEBT IS NOT ENFORCEABLE.

    I think i would be telling the DCA to get knotted.
    I sent the DCA a letter asking for a copy of the credit agreement last week.

    When we called the DCA they said they had received it and we would receive it shortly.

    Littlewoods also confirmed that they had sold the debt to the DCA.

    We will just have to pay it, like the other debts we have paid off :(

    O well... you live & learn...
    I Hate Jobsworths!!!
  • Not really, you can cease paying until the credit agreement is provided.
    Honestly, if this even made court it would be booted out.
    I can muster a little letter together if you like....
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    MCBIRNIE25 wrote:
    Not really, you can cease paying until the credit agreement is provided.
    Honestly, if this even made court it would be booted out.
    I can muster a little letter together if you like....

    I TOTALLY agree with MCBIRNIE - of course the DCA and Littlewoods are not going to say that you don't need to pay, but ANY court in the land is going to tell them that they simply can not enforce this debt. If you haven't put anything in writing - don't pay.
    I'm really sorry that I was away at the weekend - I would have suggested that you pm MCBIRNIE for a template letter.
    It really isn't too late:beer:
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • fuzzgun19
    fuzzgun19 Posts: 7,767 Forumite
    Part of the Furniture 1,000 Posts
    We havent paid anything yet, due at the end of the month, and we should have the credit agreement by then...

    And we REALLY dont want to get into a court situation.
    I Hate Jobsworths!!!
  • If this ended up near court I would pay the bill for you myself.
    Once they got the letter the DCAs will leave you alone.
    Believe me, a lot of experience here.
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fuzzgun19 wrote:
    We havent paid anything yet, due at the end of the month, and we should have the credit agreement by then...

    And we REALLY dont want to get into a court situation.

    I can understand your reluctance to get into a court situation, but please remember that the legal system exists as much for you as for the DCA or Littlewoods. It really is the one link in the process that they can not influence.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • fuzzgun19
    fuzzgun19 Posts: 7,767 Forumite
    Part of the Furniture 1,000 Posts
    MCBIRNIE25 wrote:
    If this ended up near court I would pay the bill for you myself.
    Once they got the letter the DCAs will leave you alone.
    Believe me, a lot of experience here.
    I cannot believe that one letter would make them write off a debt?
    I Hate Jobsworths!!!
  • prudryden
    prudryden Posts: 2,075 Forumite
    fuzzgun19 wrote:
    I cannot believe that one letter would make them write off a debt?

    It probably won't.
    FREEDOM IS NOT FREE
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fuzzgun19 wrote:
    I cannot believe that one letter would make them write off a debt?

    Littlewoods already had.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
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