fact or fake ?????????

stringer_2

Hi

I had an account with littlewoods finance, unfortunately my circumstances changed and I was left with 9800 debt from myself £1500, customers the rest. I could no longer pay as the customers stopped paying.

I contacted littlewoods to explain and they cant seperate the debt.

I am now on my own and cant even pay mine.

I received a letter from lowell stating shop direct finance company hasd assigned the debt.

True or False as my debt was with Littlewoods finance I have been told as I wasnt informed of this change to shop direct finance I now don't need to pay as the debt assigned is not from my original company???

HHHHEEEEEEEEEEELLLLLLLLLLLPPPPPPPPPP

Please

Thanks

[Deleted User]

They are allowed to reassign the debt. Still needs to be repaid.

themull1

Why did the customers stop paying - all of them?

stringer_2

Thanks

Even though it wasn't with that company and I wasn't informed of the name change and didn't s agreement with shop direct finance?

gb12345

They have no need to tell you that they changed their name - the original agreement still stands.

Had they told you of the name change and you objected would you have been in the position to pay back what you owe straight away? (I'm guessing not)

stringer_2

themull1 wrote: »

Why did the customers stop paying - all of them?

it was one a family member setting up a new house and they paid for a while until they realised how expensive running a house is and said they aren't paying get the catalogue to contact them which I did but no joy from them

gb12345

stringer wrote: »

it was one a family member setting up a new house and they paid for a while until they realised how expensive running a house is and said they aren't paying get the catalogue to contact them which I did but no joy from them

A letter before action followed by Small Claims is the way to go for them.

stringer_2

gb12345 wrote: »

A letter before action followed by Small Claims is the way to go for them.

Ok thanks very much

fermi

So you were acting as an agent for ShopDirect/Littlewoods?

The Financial Ombudsman has been upholding a lot of complaints against Shop Direct where they are trying to make people acting as agents liable for their customers purchases.

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=21376

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=26219

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=20257

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=24105

Are just a small sample.