We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

DMP/Bankruptcy...DILEMMA! Any help appreciated

2»

Comments

  • Deep_In_Debt
    Deep_In_Debt Posts: 8,579 Forumite
    Part of the Furniture 1,000 Posts Photogenic Mortgage-free Glee!
    RAS wrote: »
    DID

    You mean this? Fourth outing this evening!

    Nicked from fermi

    You need to send a letter telling all the creditors to stop telephoning you. It may take time to take effect.

    So send this first letter registered post. If they make any further calls after it is signed for, send the second letter and copy in the Information Commisioner, the OFT and the Trading Standards office nearest the debtor's office.

    No it is guaranteed to stop them but if you

    1.Point out it is your right under the OFT Guidelines.
    2. refuse to answer security questions.
    3.Advise them that you are recording the call

    they will take the hint.



    Wish Hellifax would take the hint after my letters!
    Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free :)
    Mortgage free since 2014 :)
  • RAS
    RAS Posts: 36,558 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    yep

    Fourth time I have posted it or one for the letters tonight.

    Regarding helifax, write the second letter and if they do not play ball, put in a formal complaint and sound off to the OFT etc.
    If you've have not made a mistake, you've made nothing
  • Deep_In_Debt
    Deep_In_Debt Posts: 8,579 Forumite
    Part of the Furniture 1,000 Posts Photogenic Mortgage-free Glee!
    RAS wrote: »
    yep

    Fourth time I have posted it or one for the letters tonight.

    Regarding helifax, write the second letter and if they do not play ball, put in a formal complaint and sound off to the OFT etc.


    Done all that.

    Not sure the OFT deal with the complaints. Just my opinion. So just ignore Hellifax now.
    Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free :)
    Mortgage free since 2014 :)
  • RAS
    RAS Posts: 36,558 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    The OFT are not allowed to deal with individual complaint but they sort of stack them up and then send a warning to any comapny who are getting too many, so it is worth it.

    Since they got a few teeth this spring they have warned 25 percent of debt companies about specific their activities, some severely.
    If you've have not made a mistake, you've made nothing
  • pepe2008
    pepe2008 Posts: 5,158 Forumite
    So PLEASE COMPLAIN, dont just think about it!

    Its free,
    Its anonymous,
    It feels good,
    It wont send you blind,
    Happy Days.
    :D:D stay wonky :D:D

    ....one-way ticket to Portugal booked !
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.3K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.2K Work, Benefits & Business
  • 603.9K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture