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Littlewoods Debt Collection Payment Plan – Must You Pay?

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

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Littlewoods Debt Collection

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

If you’ve had a letter from Littlewoods Debt Collection, it’s normal to feel worried. But do you really need to pay? Let’s find out together.

Over 170,000 people each month come to our website for help with debt problems, so you’re not alone. In this article, we’ll help you understand:

  • Where your debt might have come from.
  • If you should pay it.
  • How to know if the letter is really from Littlewoods.
  • What to do if you can’t afford to pay.

We understand that dealing with debt is hard. Many people worry about how to pay or if they should pay at all.

We’re experts in debt solutions, and we’re here to help just like we’ve helped several other people in the past. We’ll show you how to check if the debt is yours, how to set up a payment plan if you need one, and even how to write off some of your debt if it’s too much.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Littlewoods Debt Collection have sent me a letter – what do I do?

Your first reaction to getting a letter through the post saying that you owe money is undoubtedly going to be panic. The amount you owe, whilst no doubt a big deal to you in your position, can easily be sorted out. First of all, let’s take a look at who Littlewoods Debt Collection is, and whether they are legitimate.

What are my next steps?

Sometimes, you may realise that you won’t be able to make one of your payments in your payment plan. When this happens, you should reach out to Littlewoods before they’ve even taken motions to get Littlewoods Debt Collection on your case. 

By doing this, you will get the chance to explain why you can’t repay at that time, and perhaps even negotiate a lower repayment amount as you proceed. We all let things fall through the cracks though, especially in these troubled times, so if you do receive a letter from Littlewoods Debt Collection, here’s what you should do.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Information

The letter Littlewoods Debt Collection should have all the details of the debt that you owe on it. Unfortunately, debt collection companies don’t often make mistakes, so it’s likely the debt is for you. 

What you should do at this point is gather as much information and correspondence as you can find about the issue, and cross-reference each payment and amount to make sure that it is all correct. If it isn’t, you don’t have to pay Littlewoods Debt Collection.

Evidence

As you proceed with your dealings with Littlewoods Debt Collection, it may seem really daunting and worrying. It’s never nice dealing with situations like this, but it’s part and parcel with modern life. 

You should keep a concise record of all conversations you have with Littlewoods Debt Collection – note down the date of their letters and phone calls, and try and get the names of all the people you speak to. If you do this, if there’s any confusion down the line, you’ll have all your bases covered.

Payment

If you are certain that the debt is yours, and you have the money to pay Littlewoods Debt Collection, then you should pay them in full, as quickly as you can. The sooner that you pay the debt, the sooner they will stop sending you letters and calling you – and debt collection agencies like Littlewoods Debt Collection are notorious for their persistence.

If you are not able to pay the full amount in one go, contact them anyway, and you may be able to arrange a repayment scheme that will suit your income.

» TAKE ACTION NOW: Fill out the short debt form

What are catalogue debts?

Catalogue debts are debts that usually come about after a company offers a ‘have now, pay later’ scheme. These may seem like an easy way of getting what you want, but what happens is that you’re expected to spread out the repayments using a payment plan to the company on either weekly or monthly terms. 

If you make these payments on time, it’s a very convenient way to shop. It is very easy to accidentally miss these payments however, and if this happens, problems arise. This is when Littlewoods Debt Collection would step in.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Littlewoods Contact Information

Company Name: Littlewoods Catalogue
Parent Company: Shop Direct Home Shopping Limited
Correspondence Address: Payment Department G, Sandringham House
Sandringham Avenue, Chelmsford, CM92 1LN
Correspondence Address 2: C/O Shop Direct Home Shopping Ltd
First Floor, Skyways House, Speke Road, Speke
Liverpool, L70 1AB
Reg Company Number: 4663281
Consumer Credit Licence: 535857
Website: www.littlewoods.com
Direct Postal Address: Skyways House, Speke Road, Speke, Liverpool
United Kingdom, L70 1AB

FAQs

So that’s the basics as to who Littlewoods Debt Collection is, and what to do if they contact you. Below, we go through some more of the most common questions regarding Littlewoods Debt Collection, and debt collectors in general.

Can Littlewoods Debt Collection fine me for not paying?
Yes. Littlewoods reserve the right to impose a charge to cost the cover of any action they might take and are entitled to debit your account with any costs incurred by them. This is only in respect of any missed or insufficient payments though.
Can Littlewoods Debt Collection visit my home?
Yes. Littlewoods Debt Collection has the right to visit your home if you make no motions to rectifying your debt. They do not have the power to remove or requisition any of your property, however.
Are debt collection agencies and bailiffs the same thing?
No. Bailiffs are usually hired or used by debt collection agencies when they see no other path to take, usually if the person who owes the debt has not been forthcoming in repaying. Bailiffs have the power to remove your possessions to settle whatever debt you have.
How can I complain about Littlewoods Debt Collection?
Often debt collection agencies use quite forceful and unpleasant tactics to get you to pay the debts. While these can be distressing and upsetting, their actions aren’t illegal. If, however, you believe that Littlewoods Debt Collection have behaved in a way that was unacceptable, you can raise a complaint with them. If they ignore this, you would be able to escalate this complaint to the Financial Ombudsman Service.
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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