On a DMP and want to treat one creditor differently...?

insider66

Deep_In_Debt wrote: »

I appreciate that but creditors still like to see that they are being treated fairly.

Not sure who are are or where you are from but you seem to be going against all the advice that people are trying to give.

How am I going against others advice??

You yourself "broke" the terms of your own DMP by making F & F payments to some of your creditors.

If someone else wants to make non pro rata payments - then why is it ok for you but not for them:mad:

insider66

Deep_In_Debt wrote: »

Other creditors might then start to charge interest if they feel they are not being treated fairly.

Did they for you??????

insider66

Deep_In_Debt wrote: »

I'm on a dmp with CCCS and have done a similar thing with no problems. I've offered a couple of F&F on debts that I can afford to pay off.

My other creditors are now receiving more money so, can't see the problem. The creditors wanted more money in the first place and are getting it now s they are happy too and CCCS were fine about it - even sent me standard letter templates.

I think maybe you should be consistent.....

MyLastFiver

Wait wait wait - don't fight boys.

DiD - can you clear something up for me because there appear to be contradictions in your advice. Firstly you say that you have given preference to some creditors while you've been on your DMP, and nothing bad has happened as a result. Then, you advise me not to miss creditors off my DMP, and that creditors will want to see that they've been treated fairly. Can you clear this up?

Deep_In_Debt

insider66 wrote: »

Did they for you??????

Yes, they did and there was nothing in my agreement to say that I couldn't make F&F settlements.

Deep_In_Debt

MyLastFiver wrote: »

Wait wait wait - don't fight boys.

DiD - can you clear something up for me because there appear to be contradictions in your advice. Firstly you say that you have given preference to some creditors while you've been on your DMP, and nothing bad has happened as a result. Then, you advise me not to miss creditors off my DMP, and that creditors will want to see that they've been treated fairly. Can you clear this up?

I came into a little money and offered to clear my smaller debts, thus my larger creditors getting more money each month - I guess it could be viewed as favourtism but on the other hand, existing creditors are receiving more money, so they are happy.

I'm only advising not to miss creditors off your dmp as Payplan will chuck you off - as the the dmp providers will. That's their rules and it's clearly stated. Just going on what happened to me.

However, if you clear your debts whilst included in a dmp it seems ok.

MyLastFiver

Deep_In_Debt wrote: »

Yes, they did and there was nothing in my agreement to say that I couldn't make F&F settlements.

See, now, there's the problem. You admit that when you paid some of your creditors, the others started charging interest again, however in your original reply to my post you said:

I'm on a dmp with CCCS and have done a similar thing with no problems. I've offered a couple of F&F on debts that I can afford to pay off.

My other creditors are now receiving more money so, can't see the problem. The creditors wanted more money in the first place and are getting it now s they are happy too and CCCS were fine about it - even sent me standard letter templates.

In other words you were positive about the experience and didn't say anything about having interest re-charged, nor did you say anything about having offered *all* of your creditors f&f.

Thanks DiD - you've taught me an important lesson - that people on internet forums aren't always right and don't always tell the truth.

Edit: Deep In Debt, You edited your last post considerably a few minutes ago, drastically changing the sense of what you said. So was the first version the truth, or the current version? If you're going to lie to people then don't come on forums for people who are in financial trouble pretending to give advice.

Numpty_Monkey

I don't think there is any need to call anyone a liar

Deep_In_Debt

So I'm a liar?

No worries, will leave the forum.

Good luck to you.

MyLastFiver

Numpty_Monkey wrote: »

I don't think there is any need to call anyone a liar

Yes there is, if it's true.

And it is true.