DMP Mutual Support Thread (Part 5)

VanillaDelia

No bad news today. Just got 1 statement in the post and at last they have changed my name.

Got a letter from N power giving us £20 cash back, so got to go to post office later to get that, problem is its in my husbands name, but says I can claim it.

cheesypuff

Morning All

Just wondered we have had quite a few letters asking for us to cut up our cards and return them to the cc comany. We have cut them up already but is it necessary to actually post them back to them??

2spicy

dlb wrote: »

With F+F start at abou t 30% of the debt...tell them the offer is limited to 30 days as the money has been offered you by a family member and the offer will not last long.
Then if they refuse work your way up from 30% of full ballance...crediotrs tend to settle anywhere from 30% -75%.
Donna

Not ours.
Barclays said they will only accept 95% of the debt
Mint had the cheek to reply and say they would accept £4000 as "partial" payment of the debt.
A & L / Egg & MBNA said "we are a responsible lender and the amount outstanding is not negotiable" - so were just going to pay them via the DMP over the next 9 years and will book a the last holiday we will be able to afford for a while with the money now we have it

c7sdus

Have printed off SAR for sending to Lloyds today, can anyone advise on content and should I send it recorded delivery ?




Lloyds Banking Group plc
25 Gresham Street
London
EC2V 7HN

19/03/09

Dear Sir/Madam

Data Protection Act Subject Access Request

Current Account 00-00-00 00000000
Credit Card Account 00-00-00 0000 0000 0000 0000
Loan Account 00-00-00 000000000000

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to above accounts.

Please supply me with a complete list of transaction and charges relating to my history with your organisation including loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for these accounts or associated accounts is acceptable.

To clarify, I would be grateful if you would provide the following for these accounts I have with your organisation, details as below:

- Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any original documents and their original associated terms and conditions you hold in support of the same.

- A complete list of all transactions or statements relating to these accounts held with your organisation.

- Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

- Full copies or transcripts of any correspondence in postal, email, telephone or any other format which you have entered into with me, or any other individual, organization or third party which contains my personal or financial, or which pertains to me.

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

- Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a postal order in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH ANY PART OF THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

I look forward to hearing from you in the first instance of receipt.


Yours faithfully

WorriedofSurrey

Morning all

Thanks for the replies to my queries.

Awaiting our CCCS stuff at the moment, but got all of our token payment letters ready, so feeling very positive.

Had a letter this morning from Northern Rock enclosing a new Direct Debit mandate. The payment isn't due to the first, but it seems the date I cancelled the DD, they sent a new form out. Guess they wont be too happy come 1st April. :rotfl:

Have a good day everyone.

WoS

UNCLE_BUCK

hi all,

im about to enter into DMP with paypal and on their advice switched my current account as they NATWEST would be part of the DMP. so i switched to alliance and leicester now i have realised they may be connected to MBNA another of my creditors. advice please, is this true are they connected? and should i switch again?:mad:

Eriberri

UNCLE_BUCK wrote: »

hi all,

im about to enter into DMP with paypal and on their advice switched my current account as they NATWEST would be part of the DMP. so i switched to alliance and leicester now i have realised they may be connected to MBNA another of my creditors. advice please, is this true are they connected? and should i switch again?:mad:

They're separate businesses, so don't worry. I switched to Alliance & Leicester before my DMP started, and MBNA are my biggest creditor and there hasn't been any problems. In fact, MBNA have been sound. Stopped interest & charges straight off and accepted the DMP payment amount, for 12 months. Obviously will wait and see if they turn into ratbags after that though!

UNCLE_BUCK

thanks eriberi,
you have put my mind at ease, it has taken me about 8 weeks to sort out my switch would hate to do it again. once again thanks for the reply, and hope all goes well for you.

c7sdus

Have my SAR ready to post & wife just got postal order but in PAY portion it has

:- Pay *** , which is done by post office.

Do I have to print Lloyds TSB in this part as you would do with a cheque ?

Daffykjs

Hiya,

Got a phonecall from hubby's mint card last night! Enjoyed it greatly (altho always worry after!). I said 'he's not here'. 'when will he be back?' 'couple of weeks' 'can you please get him to contact us' 'i don't understand why you should need to talk to him, we are going through payplan, they have authority to speak to you, please speak to them' 'i can't in this department.' 'well can you not get another department to' 'will you tell him to contact us?' 'i don't understand what reason you should have to need him to' she put the phone down on me! Brilliant!

But i did get worried coz i also received his statement from them yesterday and it says £0 payment to them which is blatantly wrong! even if they sent it before receiving this month's surely last months should be on there!

also i discovered on both of his cards he has payment protection being charged! What are the rules for getting this back?

So I phoned payplan today to tell them and get an update. All have accepted except my Natwest bank and hubby's Tesco (RBS) card. And i can confirm that getting a default DOES NOT mean they stop interest and charges!

Anyway hubby phoned Tesco and Mint to get the payment protection stopped! And Mint who had so urgently wanted to talk to him yesterday said nothing about whatever it was they had to say! Do these people not communicate with each other? And Tesco are claiming they have had NO payment from payplan yet! Which is rubbish because it shows up on the statement!!

So RBS and Natwest are my enemies!!