DMP Mutual Support Thread (Part 5)

bexxie90

Alliance and Leicester own MBNA the co-op is ok to use. I was told this as I originally opened A&L but changed to co-op as major debts with MBNA
hth
bex.xx

cheesypuff

Thanks Bexxie90 and 50Broke, am relieved I dont have to change to a different Bank:T

Toffee_Penny

Hi you lot! :beer:

Had 2 cheques from Halifax today for ppi refund :T obviously they haven't bothered closing OH bank account so... still have 11 creditors :rolleyes:

MONUMENT argh!!!! :mad: :mad: :mad:

offered refund of ppi, I wrote to them to accept offer. OH had 2 letters today at MUM's HOUSE :mad: from Lowell's to say we own the debt now for the FULL amount, no refund no nothing!! The other letter from Monument saying contact Lowells now they have been assigned the debt.

However on closer inspection the letters look like they are from the same company. Lowells have a barcode across the top of the address and both letters are typed in the same font; Monuments standard letters are very different to the one claiming to be from Monument.

To say I am fluffed off is an under statement :mad: :mad: :mad: , how the hell can these people write to OH mum's house when I have written every letter with our address on? How can Monument sell the debt on when they haven't refunded ppi?

Why do creditors have to do confusing annoying things like this just to pee us all off even more? like we don't already feel like !!!!! for being in the situation in the first place. :mad:

Sorry had to rant but I feel like I have tried to be 'civil' (is that the right description?) with all the creditors, we have acknowledged our debt and done it the right way but sometimes just sometimes you just think 'what is the point?' sod them all :mad:

By the way contacted the Financial Ombudsman in respect of ppi reclaims for MBNA, Capital One, Lloyds TSB and Barclaycard. I couldn't be bothered to keep waiting for them ignoring letter after letter.

oh well hope all of you having better luck than me this week?

take care all of you :A


p.s Kudox great news about OH job :beer:

2spicy

St0lli wrote: »

Thanks 50Broke and Yellow Monkey... Funny but I've been totally laid back about it until these letters arrived....

It's such a relief to have the help, support and advice of this thread.:j

Thanks :beer::T

You may also get a post card from them saying "we will be calling on Thursday" or something similar.
Dont sweat, plenty ofo threads on here about them .. no one will turn up, if yoru worried about it, write to them telling them you revolk any right of access or implied access to your property, and they cannot visit without an appointment / agreement with yourself ( or a court order signed following a court judgement ).

geoffmr1

msc1977 wrote: »

thank you for this info - I have had my natwest CC for about 14 years i think - is it really worth trying to get hold of the agreement? thanks

Hi msc,

It's definately worth asking for a copy of your CCA (after all it's only a £1). A large percentage of agreements prior to 2007 were not properly executed & should that prove to be the case with Natwest it will leave you in a position of power. It also shows them you're not willing to just lay down & accept whatever threats they throw at you. I know you said you believe the threat of them taking you to court is just a bluff but I wouldn't count on that being the case. I thought the same about HFC based on wrong information I was given by CCCS, it wasn't until a court claim arrived I knew I had problems.

massivedebts

Morning all.
Geoffmr1 -all our loans and creditors are taken out within the last couple of years, is it worth requesting CCA's on them ready for the future - just incase- or are they too new?
Thanks
MD xx

geoffmr1

massivedebts wrote: »

Morning all.
Geoffmr1 -all our loans and creditors are taken out within the last couple of years, is it worth requesting CCA's on them ready for the future - just incase- or are they too new?
Thanks
MD xx

Hi md,

I'm of the belief that everyone should request CCA's regardless of how new etc. It's not about debt avoidance it's purely a case of making sure the creditor did execute the agreement properly. If it turns out they didn't it doesn't mean people have to stop paying them it just means they will eventually have to agree with whatever payments you offer them until the debt is paid.

The main reason I request them is so I know exactly where I stand. If a creditor sends you a CCA which is properly executed & later instigates court action then you know from the start you can't beat them. If thats the case then should they be attempting to gain a charge over your property it's sometimes better to agree a voluntary charge on the basis that 1) All interest is stopped, 2) That the creditor won't go for an order of sale & 3) That they will agree to the DMP payments for the duration of your debt.

massivedebts

Thanks for that. I think it's worth a go, like you say, it's nice to know where you stand, and I'm all for covering all my options. I have seen a template letter flying around somewhere but am struggling to find it, can you point me in the right direction pls? Also, is it the same letter for cc's as loans?
MD xx

ad1jnl

Hi all,

Quick question - should I send a seperate letter with my DMP notification letter to creditors explaining the token payment. if so does anyone have a template?

Thanks
Jon

billybobberyl

thanks ad1jnl i was just coming on here to ask that question, also are we supposed to just send the cccs notice of dmp or are we meant to include the budget and the list of creditors that cccs sent, only we have 7 copies and 7 creditors so thought maybe they were meant to have them