DMP Mutual Support Thread (Part 5)

moneybuster

posted our first CCA to cap one and it was signed for the day after so they have 12 + 2 days to respond is this right

regards moneybuster

muddlemess

Hello everyone - this is my first post. Hoping to go onto DMP in the next month. Just wondering if I've got it right about CCA's - am I supposed to send a letter to my creditors and ask for a copy? Do I get this letter from CCCS? Sorry if repeating others questions, I'm reading back but there is so much to remember!

muddlemess

Hi has anyone any advice on a low start DMP? How well was it accepted by your creditors? I have Lloyds TSB, M&S, Citi Bank, Egg next and Cap one.

muddlemess

Does anyone have a current account with LloydsTSB and a loan? Just wondered if you had any problems closing the account?

foolishqueen

Hi All,

First post on this thread, although have been reading it for a few days! Due to start my DMP with CCCS soon - just have to post my initial stuff back to them on Monday to get the ball rolling. Already cancelled DDs and set up basic bank account. I feel giddy with excitement at finally getting things sorted - should I feel this excited?! Feels perverse in a way

Muddlemess - you need to send your CCA requests to each of your creditors. If you do a search on this forum you will find a template letter somewhere - this is what I used. I think the purpose of a getting your CCA is to help with fighting off the use of the courts e.g. CCJ by any DCAs when pursuing your debt. Without a valid CCA the debt is unenforecable in court.

I've been accepted on a low start DMP by CCCS too - I don't think any of my creditors will like it, but it's tough look. I don't have a Lloyds account, but I do have a similar set up with HSBC. When I send them the letter informing them of my DMP, I'm just going to ask them to close the current account - I don't use it anyway (although had to fund it for my DD for my loan!).

Right, back to Family Guy - it's good to laugh when facing all this stuff

Mrs_Ryan

Scottishmummy wrote: »

Mrs Ryan, just spotted your signature. My DS has been coming out with a great quote these last three very sunny days - 'It's a smile upon your face day!'. He's 9. :A

Oh bless your DS!!! Thats sweet.

The quotes came from someone special they really made my day at the time so I just thought I'd put them somewhere I could see them!

trying_to_stay_positive_2

I have a lloyds current account too and would also like to know if anyone has any experience with them? I also have Monument,Tesco,Egg and Barclays credit cards if anyone has any experience. Doing my Dmp on my own, we have a joint current account with Halifax - should i take my name off the account? Thanks for any help

muddlemess

trying_to_stay_positive wrote: »

I have a lloyds current account too and would also like to know if anyone has any experience with them? I also have Monument,Tesco,Egg and Barclays credit cards if anyone has any experience. Doing my Dmp on my own, we have a joint current account with Halifax - should i take my name off the account? Thanks for any help

Hi I am also doing DMP in my own name. I have taken my partners name off our joint account as I have my loans and CC with Lloyds. It was very amusing when the bank rang to comfirm they said 'your partner erm ex partner', I was laughing so much I couldn't correct them, the guy must have thought I was mad! Just thought it was amusing they assumed we'd split up!!:D

muddlemess

foolishqueen wrote: »

Hi All,

First post on this thread, although have been reading it for a few days! Due to start my DMP with CCCS soon - just have to post my initial stuff back to them on Monday to get the ball rolling. Already cancelled DDs and set up basic bank account. I feel giddy with excitement at finally getting things sorted - should I feel this excited?! Feels perverse in a way

Muddlemess - you need to send your CCA requests to each of your creditors. If you do a search on this forum you will find a template letter somewhere - this is what I used. I think the purpose of a getting your CCA is to help with fighting off the use of the courts e.g. CCJ by any DCAs when pursuing your debt. Without a valid CCA the debt is unenforecable in court.

I've been accepted on a low start DMP by CCCS too - I don't think any of my creditors will like it, but it's tough look. I don't have a Lloyds account, but I do have a similar set up with HSBC. When I send them the letter informing them of my DMP, I'm just going to ask them to close the current account - I don't use it anyway (although had to fund it for my DD for my loan!).

Right, back to Family Guy - it's good to laugh when facing all this stuff

Thanks - I've managed to find one earlier in the thread - will try bring it forward for others to see.
x:D

beaniebabe

Hi
This is my first post on this forum. I have started a DMP and my first repayment is at the end of April. This is all new to me. However I can honestly say that I do feel better now I know I am in control of my finances. I have no doubt it will take a long time to get my self straight, but at least I have done something about it.
Its very reassuring to hear that there are so many others in the same position as me. I hope to be debt free by 2012. Seems a long way off but time soon flies by!!!
Thanks to everyone for their support, what a great way to get some financial help!!