Its a long road's rambling diary...

Kandipandi

That is mega confusing! If you dont want to contact LLoyds yourself I would contact CCCS and forward that letter on to them. They should be able to sort out which debt the payments are going to (i.e. the OD or the CC) and they should be able to negotiate a freeze on the interest. I would contact them soon.

Kandipandi

Do you still have a current account with LLoyds?!? If so i would scrap that asap and open another account with a different bank.
It is scary news about LLoyds taking over the Halifax.

Sorry to hear about the car!! Hope it works out cheaper than you expect.... if not :beer: (have a beer)x

Kandipandi

Yeah i think you are right, it will not have such a huge impact on general current account people.
Sorry to hear about car, hope you can sort it out as cheap as possible.

itsalongroad

does anyone know if once transferred to a DCA interest is automatically frozen?

thanks

itsalongroad

Bumping Up - Thanks

Glittermonkey

itsalongroad wrote: »

does anyone know if once transferred to a DCA interest is automatically frozen?

thanks

Mine has been.

3 of my cards are now with DCAs and no interest is being paid.

Glittermonkey

I dont really remeber, probably 6 months, maybe a bit more.

I was having a hard time and didnt open any of my mail for months so by the time I did, there was letters from DCAs.

HSBC was passed over quickly as i offered them a pro rata payment and they refused so got rid of me ASAP.

BAA Worldcard haven't passed me to a DCA yet. Gave me 6 months of no intrest and accepted 1% of my balance. I've had to write to them to ask for this again so no dount I'll get passed over.

Capital One and Marbles took a few months.

BTW, I've done my DMP on my own. I did contact CCCS I think but couldn't get the time to talk to them as I had relatives here for a few months so just wrote letters to my creditors myself.

itsalongroad

thanks thats very interesting

I fear that I have mucked up big time. I convinced one of my creditors NOT to pass to a DCA about 3 months ago, on the basis the DMP was commencing and the amount would be worthwhile. I think I am paying enough into the DMP that they are in no rush to pass to DCA's - instead happy to receive say £100 a month and add £80 of charges on, meaning we will be very old before we make real progress:mad:

Different issue - QUIDCO..Does anyone know what this means

Amount earnings status payment date


0.0080.00tracked~ Sep 2008

I am really keen to know if I am going to be getting £80 cashback for home insurance, and thought tracked may be should be validated but not sure.....

Thanks all

itsalongroad

Phoned them, but they said they have no news on the account and I am to ring on Monday after 830 and speak to the relevant department

0870 number

itsalongroad

bump please