Another littlewoods problem

[nelsonsix]

Hi,

 

I have a littlewoods account opened in 2005 balance is around £1300. I'm at university and have just lost my summer job. I really dont mind paying for my purchases but they are asking for £500 per month minimum payment and im being charged £44 per month in interest and charges and im unable to pay anything untill at least February.

 

Ive CCA'd littlewoods and received a response saying they haven't got one. As I thought! I have an account in dispute letter ready to go to stop the charges and nasty letters.

 

I want to pay the balance off as I dont really want the bad credit, (Im going to be looking for my first mortgage in the next couple of years), but I want all the charges knocked off the bill.

 

Has anyone had any luck getting a chunk of their balance knocked off to make a final payment? Or am i better just leaving the debt and wait the six years.

 

Hope someone can help.

Thanks.

Neil

[evancosmo]

Hi Neil

 

Your credit files can only be affected depending on how you deal with Littlewoods now. In the absence of an enforceable properly executed agreement you need to make sure they do not pass your information to a DCA who will start making credit searches & worst case scenario start filing defaults on your files. You are in the driving seat with this issue now. Not sure which way I'd proceed; to negotiate a full & final maybe prejudicial at some point later on. Hopefully bumping this thread will mean it gets picked up by a Cagger with much more experience than I. Whatever the outcome; good luck!

 

EC