DMP Mutual Support Thread (Part 5)

geoffmr1

icecube2009 wrote: »

Thats what I thought, thanks for your help.

I would guess that your friend has either CCA'd those companies & had nothing back meaning they have defaulted & he is refusing to pay them or he doesn't understand what a default notice is.

If it happens to be the latter then that friend will find themselves in court eventually & probably owing a lot more than they do now. You should try & talk them through it a bit to see how much knowledge they have as you don't want them getting deeper into problems if it can be avoided.

St0lli

Just having a quick look around the site and I'm not really sure what letter to send to MBNA. The one suggested on the 'CCA Requests' thread is a National Debtline letter with which I need to enclose £1. Is this the correct letter as it will give me (if MBNA have it!) my original CCA and list of any charges incurred. Is this the right one or is it the other one (which I can't find the template for) with which I need to enclose £10?

Thanks from a very confused St0lli!

geoffmr1

St0lli wrote: »

Just having a quick look around the site and I'm not really sure what letter to send to MBNA. The one suggested on the 'CCA Requests' thread is a National Debtline letter with which I need to enclose £1. Is this the correct letter as it will give me (if MBNA have it!) my original CCA and list of any charges incurred. Is this the right one or is it the other one (which I can't find the template for) with which I need to enclose £10?

Thanks from a very confused St0lli!

Hi StOlli,

Its an SAR request letter, this is the content of the one I've been using. Hope it helps.

Subject Access Request (Data Protection Act 1998)

Re:- Account Number:

Dear Sir/ Madam

As per the Data Protection Act 1998, I hereby request that you disclose to me all data in your possession that appertains to me, Furthermore can I elaborate on my request and listed below is a clear definition of what I require from you.

A true copy of the original signed executed agreement, duplicate statements and/or print outs of all account transactions, all internal and external correspondence sent or received by you including logs, notes, screen prints and transcripts, notes of manual interventions such as telephone attendants' notes, internal and external e-mail, any other information held on any/all types of media in any relevant filing system (microfiche included).

I enclose the statutory fee of £10.

I look forward to your full compliance within a maximum of 40 days of this letter.

WorriedMart

jaybag wrote: »

Hi new on the thread,have been reading this thread for the last few days and going to start a DMP shortly,have organised new bank accounts,changing home phone number and so on.You say above that you have had exprience with the fee paying companys,would you say that these take more of the flack form people u owe the cash too as you are paying them to do so? Myself and partner was going to start one with a fee paying firm for the first 6-12 months,until we know what we are doing them maybe go to CCCS/payplan...
Thanking u in adavance for your comments
jaybag

Hi Jay,

Don't go with a fee paying one, its totally pointless and they will do nothing for you that the free CCCS/Payplan can't do, apart from take your money.

Kudox

St0lli wrote: »

Just having a quick look around the site and I'm not really sure what letter to send to MBNA. The one suggested on the 'CCA Requests' thread is a National Debtline letter with which I need to enclose £1. Is this the correct letter as it will give me (if MBNA have it!) my original CCA and list of any charges incurred. Is this the right one or is it the other one (which I can't find the template for) with which I need to enclose £10?

Thanks from a very confused St0lli!

Hi St0lli, If you just want the CCA then the letter from the National debtline website that you enclose £1 with is fine, if you want the list of charges as well and any other information that MBNA have on you, you need to send a SAR request which is the one for £10.
Hope that helps.

ianmak

cocker100 wrote: »

Hmm. I suppose you could always mention the charges in any negoiations with them. Tell them you would eventually be able to reclaim them back, so deduct them from the alledged amount owed and then offer from there. Start with 50% of the total minus charges. They can only say no.

Never accept their first offer, they'll always go lower, especially a DCA.

Well, I can confirm that KPR are an internal department of Nationwide.

They didn't like the fact that I've doubled my payments from £1.12 to £3.54 on a £400 debt (now £500) and they offered a discount of £370! Woopdeedoo.

So I can't pay that. Only concern is that Nationwide is who my mortgage is with...

geoffmr1

ianmak wrote: »

Well, I can confirm that KPR are an internal department of Nationwide.

They didn't like the fact that I've doubled my payments from £1.12 to £3.54 on a £400 debt (now £500) and they offered a discount of £370! Woopdeedoo.

So I can't pay that. Only concern is that Nationwide is who my mortgage is with...

Hi ianmak,

I've had dealings with KPR as well. I owed Nationwide £750 for an overdraft & they offered me a settlement of £550. I rejected it & they subsequently sent my account to Fredrickson's who immediately accepted the £5 monthly payment from CCCS. They recently offered me a settlement of £450 but I couldn't afford that either in one lump sum. I'm also waiting for this bank reclaim stay to be lifted as I have a claim against Nationwide ongoing for over £900.

ianmak

Thanks Geoff. They're the only creditor who haven't really acknowledged the payments or my DMP. Interesting to see what happens now... Frustrating as I'm paying interest on my fixed mortgage of 6.5% so they're getting an awful lot of money from me at the moment!

newlywed

Thanks geoff... wanted a SAR letter for OH as his ex went on an IVA which was meant to contribute towards their joint loan (but apparently now won't) and we're hoping for a bit of information

Here's hoping they let on more than they should

dlb

Jaybag.
Dont go with the fee paying firm i went with one and stayed for just under 3 years , i have only just swapped over and wished i had done it months ago.
I have paid over 2.5k in fees which could have gone off my debts.
They do the same as payplan are doing for me now...the only different is the crediotrs are overly happy as are getting more money each month.
Stick to the free dmps.
Donna
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