A Little Littlewoods Guidance

[closedwindows]

Hi there,

 

I'm sorry if this has been asked a thousand times (it probably has)

 

 

I've an account with Littlewoods which has got out of hand due to a dip in my income (I'm self-employed)

and a rise in the cost of my childcare (nightmare).

 

've been making token payments for a couple of months

 

 

have had a letter from their Nationwide Debt Recovery Limited partners now and am going to write back to them with an offer of payment.

 

 

I've drafted the below - does it sound like the right thing?

 

 

The arrears of the account are £740-ish and the full debt is £1200-ish so I'm proposing paying off the arrears in 6 months.

 

'I am unable to keep up my payments to your company or make a payment in full.

I am able to make a payment of £125 per month as below to ensure the arrears of this debt are paid off in 6 months.

 

I can pay you is £125 per month. I will be able to make my first payment on 10.12.2014. Please send me a direct debit form if this is required.

 

Please agree to freeze interest and other charges on my account as long as I keep to the payments. I will let you know about any changes in my circumstances.

 

If you are unable to accept my offer and freeze interest and charges, please explain why. Thank you for your help and I look forward to hearing from you.'

 

Is this right? Also - should I send this to the NDC Payments address on the letter?

 

Thanks for any advice.

[SabreSheep]

OK get a break down of the charges you have incurred, some of them may be reclaimable.

 

If you have to do a full subject access request to littlewoods

[closedwindows]

Thank you - I think there are about £70-80 in charges which I do want to claim but I'm more keen to stop the 24/7 phone calls (not answering as know they charge) at the mo.

I'm OK sending off what I've said there though?

 

Thank you again

[havinastella]

Remember NDR ARE Littlewoods.

 

NEVER set up a DD, use the standing order to pay them.

 

Use this letter

http://www.consumeractiongroup.co.uk/forum/showthread.php?387346-Ask-Creditor-to-Accept-Pro-Rata-Payments

 

 

Do NOT accept there stupid 28 day payment rule.

[closedwindows]

Thank you very much for this Yeah I do know they're the same company but wasn't sure on the DD so I'll take that out.

Am I required to send them my personal budget as per that letter?

 

Thanks again for your reply.

[renegadeimp]

You send them a very simplified budget summary. Not a fully itemised one.

[closedwindows]

Thank you - I'll try this and get this sent today - 15+ phone calls a day is really disruptive.

[renegadeimp]

If they are contacting you that many times, get a full log of them, contact OFCOM/FCA and FOS and have a read of harrison vs link as well as a few other court cases.

[closedwindows]

Thank you, I will. I never answer them but still, it is a bit excessive.

[havinastella]

http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone-%28update-21.04.2014%29

 

Print out and send them that as well.

[renegadeimp]

Thank you, I will. I never answer them but still, it is a bit excessive.

 

It's more than a bit. They shouldnt be called 15 times in 2-3 months, let alone every day.

[closedwindows]

It's more than a bit. They shouldnt be called 15 times in 2-3 months, let alone every day.

 

Shows what I know - thank you - I'll get that letter out in the morning and hope they accept. I'll probably be back here panicking when they say no

[closedwindows]

Right - next stage.

 

I sent my letter on 14th November (Recorded Delivery 1st Class) to the PO Box Address on the NDR letters I have been receiving.

Today (17th) I have received another letter from NDR stating I have failed to make payment (I know) and that I have also 'failed to let us (them) know if you are experiencing financial difficulties)...

 

Do I assume they haven't got my letter? I'm a bit stuck as to my next move!

 

Thanks

[dx100uk]

sit on your hands

 

 

dx

[closedwindows]

sit on your hands

 

 

dx

 

Haha OK...I guess there could be crossed wires? I'll give it some time...