DMP Mutual Support Thread (Part 5)

DMPDarling

ianmak wrote: »

myeyesropen - here you go! 274
Welcome to all newcomers. Let me know if you'd like a number as well!

Hi, I'd love to have a number too, thanks!

cheesypuff

Could I please have a number too please.

ianmak

Good afternoon, hope everyone is well.

New numbers:
Louise82 276
DMPDarling 277
Cheesypuff 278

dlb

Afternoon all.

Well iv just had a letter from my OLD dmp company thanking me for completing the plan with them and now all my creditors have been paid in full they have confirmed this with the creditors and wish to thank me for using their company to get me debt free ???????

WHAT THE @@@@

I wish it was true that all the debt was gone wondering if there is some little law i can use to inforce this letter and make old dmp company pay the lot lol
Just goes to show they hadnt a clue what they were doing apart from taking my fee each month lol
Donna
xx

Daffykjs

That's ridiculous dlb! they obviously didn't even think about what standard letter they were sending!!

Wouldn't it be nice if it were true or enforceable tho!!

Hi all, hope you're all well. Welcome to all the new newbies!!

Not much to report today! Had to go to the bank to change around some money from one account to another to cover my stupid 2008 institution fee!! But it's done now and hopefully will save me from going into an overdraft i don't have and should be able to forget about it now! Altho i am still tempted to speak to my boss about it! hmm!

Had a bit of an ooops on friday! Ages ago i 'won a holiday' if we went along to a 2 hour presentation! Anyway, we didn't end up going and when they phoned to rearrange i said no thanks and thought that was that!

But they phoned again on fri offering me a stay in a british hotel instead! the deal they offered me was £58 for both of us mon to fri over our anniversary for a spa hotel in cornwall. and the catch is a 90 minute presentation we have to sit through! i ummed and arred and really wasn't sure. i know they will try the hard sell, but we really can't afford it so i can't see us giving in however good they are! I'm even tempted to take my income and expenditure to SHOW them how we can't afford it! hehe! in a way i'm even partly quite looking forward to the challenge! but on the other hand i'm nervous they will pester us and ruin our break!

But anyway i did it! I hope i didn't make a huge mistake! I go between being nervous I've messed up and shuold never have said yes to being excited about our mini holiday that we'd have had no chance of getting this year otherwise!

What do you think? Am i a complete mug??? Did they see me coming? I intend to read the small print thoroughly (something i think i've probably never done in my life!) and also we will cost cut whilst there by taking some food and drink so we don't have to pay hotel prices the whole week!

Oh well it's done now!! eeek!!!

Daffykjs

PS. I bought a folder for filing yesterday!!!

It was pain tho as the one i picked up and wanted was the last one there and had no label or barcode, so i couldn't have it! and had to go back after getting my shopping to get a different one!

Tis done tho, and this weekend I will file all my dmp stuff in one place! Oh what fun!!!!

ianmak

dlb wrote: »

Afternoon all.

Well iv just had a letter from my OLD dmp company thanking me for completing the plan with them and now all my creditors have been paid in full they have confirmed this with the creditors and wish to thank me for using their company to get me debt free ???????

WHAT THE @@@@

I wish it was true that all the debt was gone wondering if there is some little law i can use to inforce this letter and make old dmp company pay the lot lol
Just goes to show they hadnt a clue what they were doing apart from taking my fee each month lol
Donna
xx

It'd be interesting if you're listed as debt free on their records, as it'd be another customer that they've saved... You'll have an actor playing you in an advert next, saying what a great company they were!

tunathe_cat

Hi
please can anyone advise where to find a template letter re stopping the telephone calls communication in writting only.
please
thank u
tuna the cat

2spicy

Daffykjs wrote: »

That's ridiculous dlb! they obviously didn't even think about what standard letter they were sending!!

Wouldn't it be nice if it were true or enforceable tho!!

Hi all, hope you're all well. Welcome to all the new newbies!!

Not much to report today! Had to go to the bank to change around some money from one account to another to cover my stupid 2008 institution fee!! But it's done now and hopefully will save me from going into an overdraft i don't have and should be able to forget about it now! Altho i am still tempted to speak to my boss about it! hmm!

Had a bit of an ooops on friday! Ages ago i 'won a holiday' if we went along to a 2 hour presentation! Anyway, we didn't end up going and when they phoned to rearrange i said no thanks and thought that was that!

But they phoned again on fri offering me a stay in a british hotel instead! the deal they offered me was £58 for both of us mon to fri over our anniversary for a spa hotel in cornwall. and the catch is a 90 minute presentation we have to sit through! i ummed and arred and really wasn't sure. i know they will try the hard sell, but we really can't afford it so i can't see us giving in however good they are! I'm even tempted to take my income and expenditure to SHOW them how we can't afford it! hehe! in a way i'm even partly quite looking forward to the challenge! but on the other hand i'm nervous they will pester us and ruin our break!

But anyway i did it! I hope i didn't make a huge mistake! I go between being nervous I've messed up and shuold never have said yes to being excited about our mini holiday that we'd have had no chance of getting this year otherwise!

What do you think? Am i a complete mug??? Did they see me coming? I intend to read the small print thoroughly (something i think i've probably never done in my life!) and also we will cost cut whilst there by taking some food and drink so we don't have to pay hotel prices the whole week!

Oh well it's done now!! eeek!!!

They will hound you.
They will try and use high pressure selling techniques on you to make you buy. I "won" one of these last year in spain. all we had to cover was the flight £80 for the 2 return for a weeks holiday and a presentation to attend to.
It is a scam to a certain extent, but if you make it known from the outset that you have no intention of buying / signing up and you cannot afforord it, they will eventually give up.
Ive known people who have literally been locked in a room and subjected to 4 - 6 hours of this high pressure selling, in the end, the threat of violence put a stop to it, and the "rep" who collected them from the hotel refused to take them back, resulting in a taxi fair.

Just be very careful

rachaelfleur

Hi everyone, haven't been on here for a few days so just reading all the posts to catch up.

Can I have a number too?

I contacted CCCS last week, so just waiting on my welcome pack. Do I send token payments to my creditors now or wait till I've got my pack from CCCS? Also I don't have statements for everyone so not sure exactly how much I owe but I do now roughly the amounts. I've cancelled my direct debits so I'm expecting communication from them anyway. Should I expect them to be pretty awkward about accepting my DMP? I have 8 creditors in total. Can anyone tell me good/bad experiences with them?

Barclaycard CC - £251
Capital One CC - £184
Citifinancial PL - £9248
Lloyds TSB OD - £342
PaydayUK PDL- £475
RBS OD - £2066
Vanquis CC - £507
Welcome Finance PL - £8275

I've applied for a new bank account so hopefully get that this week, however my cut off point for my wages to go in the new account is the 12th so hopefully it'll be set up by then, if not my OH says I can use his account. My wages go in on the 25th of every month and I usually pay all my creditors on that day or after, so should I expect the harrassment to start then? I have a habit of binning unopened mail from them so I'm going to get a folder and keep all correspondance from now on.