ANOTHER Letter from Debt Collector..what to do?

johnbrooks

Absolutely - I can't see what else the letter can mean and its dated AFTER your OH had his conversation. I wouldn't pay a penny. I would keep the letter very carefully!

fuzzgun19

So does this letter mean they can't/won't provide a copy of credit agreement?

johnbrooks

Absolutely - I can't see what else the letter can mean and its dated AFTER your OH had his conversation. I wouldn't pay a penny. I would keep the letter very carefully! The poster in No.15 may well have got his costs because the Debt Collector couldn't produce the document! Why not PM him and ask?

johnbrooks

fuzzgun19 wrote:

So does this letter mean they can't/won't provide a copy of credit agreement?

Yes - and therefore they can't enforce the debt.

fuzzgun19

johnbrooks wrote:

Yes - and therefore they can't enforce the debt.

So what should we do If we get another 'court action letter' and they file a claim against us?

pipkin71

If you withheld the £10 payment, what's the worst that could happen? They could send you another letter suggesting court action, but as other posters have pointed out, you could then set up a payment plan before it ever got to court.

If it makes you feel better, a couple of days before the payment is due, you could buy a £10 postal order which will be date stamped by the post office. Then, if you get another letter, you could then post it and blame the delay on Royal Mail or

you could do nothing and see what follows.

In your situation, I would do nothing. Your requests have not been fulfilled - ie signed credit agreement etc. You have letters from both littlewoods and debt managers saying they are not pursuing the debt or words to that effect so I really would just sit tight for now.

Regards
Pipkin xx

prudryden

Write them a letter asking what they meant by "closing the file". You now have two letters which seem to imply that no one is pursuing the debt. You are slowly building up a good case to present at a hearing, if it ever comes to that.

prudryden

If you pay anything now -it could be used against you as an admission of guilt.

johnbrooks

fuzzgun19 wrote:

So what should we do If we get another 'court action letter' and they file a claim against us?

I wouldn't worry about that until it happened, which it won't because they have closed their file! Seriously, I don't think any court would enforce this debt UNLESS they can produce the agreement and they say they can't.

fuzzgun19

prudryden wrote:

Write them a letter asking what they meant by "closing the file". You now have two letters which seem to imply that no one is pursuing the debt. You are slowly building up a good case to present at a hearing, if it ever comes to that.

Thanks prudryden.

Dont suppose you could give me an idea of what to write?

TBH I don't think hubby would be willing to go to court, think he'd rather just pay to shut them up.

I'm not sure what to do.