ANOTHER Letter from Debt Collector..what to do?

fuzzgun19

rog2 wrote:

Littlewoods already had.

Yes Littlewoods wern't pursuing it anymore, but had sold it to DCA, I very much doubt the DCA would 'write it off' in receipt of a letter?

prudryden

Fuzzgun-
If you want to do battle, it is your decision. There are enough posters here ready to help. But you need to be prepared that you will receive a summons. There is a lot of time between receiving a summons and the actual court date.That time is when the real psychological games begin. Bluff and counter-bluff.

I will be surprised, however, if it ends up in a court room. Your case will probably rest on the interpretation of the Littlewood's letter. I personally think that it is misleading enough to make the DCA think. Will a judge think the same thing? One never knows until he makes his decision. Remember, for every lawyer that wins, one also loses and they both thought they had good cases.

rog2

Hi Fuzz,

Please believe me in that I don't want you to get into something that you may regret, and, as I said earlier, if you are happy with what you have agreed, then as far as I am concerned that's fine:beer:
It is my opinion that the DCA has acted unlawfully in this instance, and seemingly gotten away with it. Whilst I hope that there is not a 'next time' please remember that there will be people here who are prepared to help should the need arise. :grouphug:

prudryden

Fuzz -
Personally - I would send the debt collectors a letter stating substantially "that they have sent you a demand for payment of a debt IN ERROR." I am not aware of any debt remaining with Littlewoods as per a letter from Littlewoods dated .....2005 acknowledging that fact.
Call their bluff. Let them send a summons. You will probably have about 3/4 months before any court date anyway. You can always change your mind and do the same deal much later, if you don't want to go all the way.
My guess is that they will eventually move on to someone else. At a minimum, they will settle for 1/2 the alleged debt.
Let us know.

fuzzgun19

Have today received this.

Does this mean they cannot provide a copy of the credit agreement?

pipkin71

Hi. Just read this topic and it raised a query:

If Littlewoods had sold the debt why do Debt Managers list Littlewoods as their client?

Regards

fuzzgun19

What do you mean pipkin?

pipkin71

Hi fuzzgun - just back from the school run.

Right, in the opening post the letter from debt managers states: CLIENT: LITTLEWOODS HOME SHOPPING PLC towards the end of the letter, however, Littlewoods say they have sold the debt to debt managers and therefore the debt is owned by debt managers which means Littlewoods cannot be their client if littlewoods no longer own the debt.

Does that make sense? This is of course just the way I read it but if debt managers owned the debt, they would recover the amount owed on behalf of themselves. By stating that the client is littlewoods they are acting on behalf of littlewoods and therefore I would not be paying them until you have it in writing that the debt has been sold on.

Regards
Pipkin xx

pipkin71

In your letter dated 26/11 [post 46] it states near the top of the letter PURSUER: LITTLEWOODS HOME SHOPPING. As far as I am aware, Littlewoods cannot pusue a debt they no longer own so by telling you the debt had been sold on, Littlewoods - in my opinion - were just trying to sneakily extract money from you.

HTH
Pipkin xx

prudryden

pipkin71 wrote:

In your letter dated 26/11 [post 46] it states near the top of the letter PURSUER: LITTLEWOODS HOME SHOPPING. As far as I am aware, Littlewoods cannot pusue a debt they no longer own so by telling you the debt had been sold on, Littlewoods - in my opinion - were just trying to sneakily extract money from you.

HTH
Pipkin xx

Ummmm! Very interesting!