help with lowering monthly payments to littlewoods.

dandan2121

Hi all,

i owe 700 on my littlewoods account and last month i did not pay as i had just enough cash to pay for my rent. the monthly payment for various items total £102 a month and this months is due shortly and im not going to be able to pay for this months either.

Is there any way i can get some help off them for the next couple of months untill i get back on my feet maybe with lower payments???

dancingfairy

I would phone them and explain the situation and see what they can do to help. Get them to put any payment plan in writing though so you know where you stand. If they refuse then I would send them a statement of your budget and reiterate that you can only afford x amount and that is what you will pay them and then pay them as you say you will.
Unforutanly it is likely that you will get a default on your credit file as you will not be making the proper payments that you said you would when you signed up to them even if they agree to a payment plan - however this is not the end of the world.
Just remember that your rent, food ,electric all come before this debt.
Have you set up a DD with them as you will need to cancel this is you have - tell your bank and write to littlewoods informing them of this and make alternative arrangements to pay.
df

bravobeastie

Give them a call as suggested and explain. I had to do that a few years back and they were really nice about it and helpful. Let them know as soon as possible though, they can't help if they don't know there's a problem.