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catalogues
emandden
Posts: 49
Forumite
not sure if this is in the wrong section so if it is feel free to move it!!i have recently written to a few catalogues asking them to freeze my account and offered them monthly payments due to problems.one catalogue replied and said they could not do this unless thru a debt management plan as it would be illegal.but another catalogue has just called me to say yes thats fine,no problems.does that mean the first catalogue was fobbing me off or do they all have different rules??
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Comments
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Hi, Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere (please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email [EMAIL="abuse@moneysavingexpert.com"]!!!!!![/EMAIL]
I am a Senior Forum Ambassador and I support the Forum Team on the Wales, Small Biz MoneySaving, In My Home (includes DIY) MoneySaving, and Old style MoneySaving boards. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.All views are my own and not the official line of MoneySavingExpert.0 -
.one catalogue replied and said they could not do this unless thru a debt management plan as it would be illegal.
Complete cobblers.
if you are in a debt management plan with a debt charity, they will allocate your surplus to the creditors pro rata. But this is not a legal requirement.
What you are doing is effectively a self administered debt managment plan anyway, and you can do what you like as long as the creditors are happy and the debt is being paid over time.
When were these catalogues taken out?If you've have not made a mistake, you've made nothing0 -
ive had the catalogues (littlewoods and additions which i think are same company)for about 3 years.they say has to be thru debt management but next catalogue have been great,really helpful0
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Hi emandden,
It is not illegal to offer reduce payments. Just make the reduced payment to them anyway, either through standing order or payment book – don’t set any direct debits up with them.
It’s good that your other catalogue has accepted. Are you dealing with any other debts at the moment?I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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yeah i could pay reduced payments but that would just go toward interest.they wont freeze my accounts or the interest which is what i need them to do.im dealing with loads of debt and finally kicked myself into doing something about it!!!i went on the cccs website,filled in the questions and spoke online to an advisor.he told me my debt plan was ready to view so i logged out and then in and it said my details were wrong so i will have to start it all again.sent them an email but not been answered:(feel like banging my head against a wall at the moment:eek:0
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What email address did you contact? Was it a debt remedy one? They will get back to you as soon as possible. If not let me know and I will look into it for youI am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
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it was the "contact us" bit on the cccs website.will give you a shout if not heard anything soon.thank you
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