Hamptons legal/lowell for a debt I owe to litlewoods

[oligunner 84]

Hi dnt know if posted this in the right place.

 

I have been receiving letters from lowell for a debt I owe to litlewoods to the sum of £1170.32p

 

this has been going on for about 15 months.

 

I have now received a letter from hamptons legal stating they are the litigation department for lowell and they have been instructed to assess the account for litigation.

 

They claim to have a copy of my credit file.

 

It also states that when they have assessed it they will be in a position to commence with either litigation or instruct a home visit agent to discuss repayment.

 

litigation could lead to

 

charging order against propert (I dnt own a property)

Attachment of earnings (currently unemployed)

Court bailiff to remove goods

 

can I have some info as how to follow this up or should I just keep ignoring as I have never contacted lowell or anyone confirming its my debt.

 

thanks

[Old Cogger]

cca request have you made one

[oligunner 84]

Not yet what is it credit agreement?

 

I haven't got a clue with all this debt stuff but I think that I need advice on how to handle it

[citizenB]

The letter appears to be a standard threatogram. However, Lowells are quite trigger happy with claims. At least they will be unlikely to issue a statutory demand (prior to application for bankruptcy) as you do not own your home.

 

It is fairly obvious Hampton do not have ALL the facts as they have threatened you with a charging order when you dont own any property !

 

None of those actions can happen prior to their issuing a claim against you anyway and they are not permitted to simply turn up on the doorstep without an appointment. If they were to do this, then you would simply ask them to go away as they have no authority to be there.

 

Can you let us know if you ever received a Notice of assignment that Lowells had purchased the Littlewood debt ? Did Littlewood ever send you a Default Notice ?

 

When did you last make a payment to this debt and why did you cease payments in the first place ?

 

Send the letter from the link below - include £1.00 postal order which is the statutory fee. It is a request for a copy of the agreement and it might keep them occupied for a while longer. If you can afford it, send the request by Recorded delivery, at the very least do obtain a Free proof of posting from the post office.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

[oligunner 84]

It was about 14 months ago I last made payment. I stopped payment as I lost my job and couldnt afford the payments, I did notify littlewoods about this by email and requested if there was a way of setting up a plan and if I could have some payment slips sent to me so could pay in a post office as was having bank issues due to lost my job. I never received any nor a reply to my email. I did have a letter from littlewoods stating my account was overdue but then I started having letters from lowell stating they had now been instructed by littlewoods to recover the debt.

[citizenB]

Righto, well send the letter that I linked you to in post # 4. They have 12 working days + 2 for posting to respond to you.

[oligunner 84]

Thanks for the advice.

 

Having read numerous posts on here am I right in thinking that they possibly wont be able to provide one as I never physically signed a contract was just registered online and started shopping with credit instantly.

[letsgetitsorted]

i had a littlewoods account, defaulted, this then went to lowell, i asked them to prove it (provide credit agreement) they couldnt so cancelled the debt, i also asked them to remove the default from credit file and they did.

your littlewoods account will probably contain charges and fees too.

[oligunner 84]

Hi I sent a letter which you advised me to however I havnt received what i asked for back I however have received another letter offering me a reduced settlement fee been reduced by around £300 - £400

 

Any suggestions on where I go from here as with the offer of reduced settlement it says to me they cant enforce it.

[citizenB]

You could respond by advising that you have sent a CCA1974 request on DATE - which you have received no response to. You can head this letter with FORMAL COMPLAINT - this means they HAVE to respond within 8 weeks.

 

Did you send by a tracked method, and have you checked they have signed for it ?