Tweet
All,
I'm new here so apologies if this has been covered already I have gone through previous posts but can't see anything similar to me. I had a debt with Littlewoods from many years ago and I was on a payment plan with them which came to an end (or so I thought) some time 2 years ago. I never heard from Littlewoods to say I had defaulted or there was a balance remaining so I thought all was paid off (my own stupidity there) however I have since had letters from Lowell saying they bought the debt July 2012 yet only contacted me for the first time in December 2013 - what took them so long? They sat I owe £3912.25 but according to my credit report there is nothing showing I owe Littlewoods but that Lowell have this "debt" defaulted from July 2012 and the default balance was £1189? I have tried to call them and advise I do not owe them a penny and I have been through to Littlewoods who tell me they cannot give me any info now as Lowell bought the debt so they have no information? Lowell won't give me any info other than they bought the debt and they want the full amount or a suitable payment plan which I am refusing to acknowledge as I don't owe anything as far as I'm concerned - why take nearly 2 years to contact me for a debt that has since doubled from when they apparently bought it?
I have sent them the email seen in a previous thread as I refuse to speak to them now demanding information otherwise I assume it is closed.
Any thoughts? Have I done the right thing and is there more I can do?
Thanks in advance
I'm new here so apologies if this has been covered already I have gone through previous posts but can't see anything similar to me. I had a debt with Littlewoods from many years ago and I was on a payment plan with them which came to an end (or so I thought) some time 2 years ago. I never heard from Littlewoods to say I had defaulted or there was a balance remaining so I thought all was paid off (my own stupidity there) however I have since had letters from Lowell saying they bought the debt July 2012 yet only contacted me for the first time in December 2013 - what took them so long? They sat I owe £3912.25 but according to my credit report there is nothing showing I owe Littlewoods but that Lowell have this "debt" defaulted from July 2012 and the default balance was £1189? I have tried to call them and advise I do not owe them a penny and I have been through to Littlewoods who tell me they cannot give me any info now as Lowell bought the debt so they have no information? Lowell won't give me any info other than they bought the debt and they want the full amount or a suitable payment plan which I am refusing to acknowledge as I don't owe anything as far as I'm concerned - why take nearly 2 years to contact me for a debt that has since doubled from when they apparently bought it?
I have sent them the email seen in a previous thread as I refuse to speak to them now demanding information otherwise I assume it is closed.
Any thoughts? Have I done the right thing and is there more I can do?
Thanks in advance
