DMP Mutual Support Thread (Part 5)

saskia1

smcshane

this forum makes me smile as well.

Its actually my wedding anniversary today - my hubby & me have shared a bottle of wine - he is watching Die Hard 1/2/3/4?? & i'm on here!

its my little bit of sanity knowing we're not alone in this

nite nite - another bottle of wine has just appeared!!

ps - have to be up at 5.30 to do a car boot sale 2moro - need to make at least £50 - wish me luck!

sas x

tinkerbell12

Well after months and months of calls from Halifax at the most unsociable times (usually 8am Sat and Sun), we have finally changed our number and there is finally peace and quiet in our house!!

We have tried asking them nicely not to call, rang and complained etc etc but after 14 days of 3 calls a day (which we didn't answer) we have had enough!!

The funniest thing was that whenever we did answer, we wouldn't speak to them anyway as they wanted us to give them security details over the phone -as if!!! Plus, we have been making regular DMP payments for well over a year, just had an annual review and increased payment (slightly) so can't tell them/do anymore than we already are.

So, I am looking forward to being able to answer the phone again - NONE of the creditors are getting even a sniff of our new number :rotfl:

Eupho

saskia1 wrote: »

smcshane

this forum makes me smile as well.

Its actually my wedding anniversary today - my hubby & me have shared a bottle of wine - he is watching Die Hard 1/2/3/4?? & i'm on here!

its my little bit of sanity knowing we're not alone in this

nite nite - another bottle of wine has just appeared!!

ps - have to be up at 5.30 to do a car boot sale 2moro - need to make at least £50 - wish me luck!

sas x

Me too!.. I can't imagine how I would feel if I didnt know about the MSE forums. :eek:

Eupho

tinkerbell12 wrote: »

Well after months and months of calls from Halifax at the most unsociable times (usually 8am Sat and Sun), we have finally changed our number and there is finally peace and quiet in our house!!

We have tried asking them nicely not to call, rang and complained etc etc but after 14 days of 3 calls a day (which we didn't answer) we have had enough!!

The funniest thing was that whenever we did answer, we wouldn't speak to them anyway as they wanted us to give them security details over the phone -as if!!! Plus, we have been making regular DMP payments for well over a year, just had an annual review and increased payment (slightly) so can't tell them/do anymore than we already are.

So, I am looking forward to being able to answer the phone again - NONE of the creditors are getting even a sniff of our new number :rotfl:

Ohhhh .. I am sooo thinking of doing this too.

I've only recently sent out my first letters (with offers/token payments)
so far.. I have I SWEAR! had about 10-15 calls per day from HSBC.. the other 12 (!!!) havent started calling yet. (YET!)..

The only thing that has stopped me so far (changing my number) .. is that I'm not sure who I do it with? ... I used to have BT.. but now I rent my line through SKY..
Who do I ask? .. Do you have to pay? ..

:wave:

trying_to_stay_positive_2

just off to the post office to send my notification letters and token payments - already had a call of city cards about missed payment, quoted my dmp number and gave them the phone number, seemed ok with that and didnt push for a payment, sending £5 token with their letter so will see what happens next!

trying_to_stay_positive_2

well that was fun - waiting for the cashier to do 7 recoreded deliveries!! and a extra postal order, she was fuming and so was the queue!! :rotfl:

Eupho

trying_to_stay_positive wrote: »

just off to the post office to send my notification letters and token payments - already had a call of city cards about missed payment, quoted my dmp number and gave them the phone number, seemed ok with that and didnt push for a payment, sending £5 token with their letter so will see what happens next!

Yay! :T good for you getting the ball rolling.

Eupho

I have been waiting for replies from my creditors (to my first letter/offer/token payment)

I've been sooo nervous waiting..

Anyhoo.. today two arrived! (well maybe one and a half.. we'll see in a minute)

Nervous?? .. nooo.. I was flippn furious!! haha. :mad:

The first one I read was from Hitachi Capital (DFS sofa) ...

I can't be bothered to type it all out.. but here are a few quotes.

'Whilst we appreciate that you are currently experiencing financial difficulties.. unfortunately we cannot accept your offer of £X per month. Failure to bring your account up to date will result in a default notice being issued. On expiry of the default notice if your account remains in arrears, it will be then referred to the litigation & debt recovery Department.

We hope this clarifies the situation.

---

Clarifies??? .. grrrrrr.

I thought.. 'I laid my cards on the table in my letter.. you clearly took no notice of it .. (at ALL!)... Thanks for you help and understanding during my 'financial difficulties'

Lets save you and me some paper work.. cut the junk in the middle and 'refer me to the litigation & debt recovery department' ..


I hope THIS clarifies the situation for you

---

Letter 2 was from RBOS. It's not exactly in reply to my letter.. so I don't know if it IS in response to it.. or is a letter because I have now missed a payment and cancelled the DD.

It's too gobbleygookie to type here.. But its something about a 'Amendments to the consumer credit act' .. that they' are required to give me notice of when a default charge have been applied' to my account. That two 'Default sums' (£12x2) have been 'Levied' to my account. That they are not entitled to charge me interest on the default sums for the first 28days after they have given me this notice, and that.. 'However if the sums are not paid in full by that date interest will be charged at a rate of 18.324%.

What does that letter mean? .. is this something all together different? ... or something to do with my Letter/Offer/Token payment. .. dunno.



Anyway.. not sure which approach to take with them next.. I just wanted to get that off my chest.

Update:

Just sent Hitachi Capital (DFS) this:

23rd May 2009



Dear Sir / Madam ,

Re ACCOUNT NUMBER:

Thank you for your letter of 19th May concerning the above account.

I am sorry that you feel unable to accept the offer I have made. The majority of my other creditors have accepted the offers made to them and we have commenced payments.

I cannot offer you more because I can only afford £X per month between all the other creditors, and it would be wrong to cease or reduce payments to all other creditors in favour of your company. The offer made to you is on a pro rata basis, as used by the county court.

In the light of the other creditors agreeing to my repayment plan, please would you reconsider my offer. I will be making the payments in line with the offer to your company, on a monthly basis, as a gesture of goodwill.

I look forward to hearing from you as soon as possible.

Yours faithfully

leese2504

Eupho wrote: »

I have been waiting for replies from my creditors (to my first letter/offer/token payment)

I've been sooo nervous waiting..

Anyhoo.. today two arrived! (well maybe one and a half.. we'll see in a minute)

Nervous?? .. nooo.. I was flippn furious!! haha. :mad:

The first one I read was from Hitachi Capital (DFS sofa) ...

I can't be bothered to type it all out.. but here are a few quotes.

'Whilst we appreciate that you are currently experiencing financial difficulties.. unfortunately we cannot accept your offer of £X per month. Failure to bring your account up to date will result in a default notice being issued. On expiry of the default notice if your account remains in arrears, it will be then referred to the litigation & debt recovery Department.

We hope this clarifies the situation.

---

Clarifies??? .. grrrrrr.

I thought.. 'I laid my cards on the table in my letter.. you clearly took no notice of it .. (at ALL!)... Thanks for you help and understanding during my 'financial difficulties'

Lets save you and me some paper work.. cut the junk in the middle and 'refer me to the litigation & debt recovery department' ..


I hope THIS clarifies the situation for you

---

Letter 2 was from RBOS. It's not exactly in reply to my letter.. so I don't know if it IS in response to it.. or is a letter because I have now missed a payment and cancelled the DD.

It's too gobbleygookie to type here.. But its something about a 'Amendments to the consumer credit act' .. that they' are required to give me notice of when a default charge have been applied' to my account. That two 'Default sums' (£12x2) have been 'Levied' to my account. That they are not entitled to charge me interest on the default sums for the first 28days after they have given me this notice, and that.. 'However if the sums are not paid in full by that date interest will be charged at a rate of 18.324%.

What does that letter mean? .. is this something all together different? ... or something to do with my Letter/Offer/Token payment. .. dunno.



Hi Eupho, the letter above is a standard letter a company now has to send by law to advise you that you have broken your terms of credit and a charge has been levied to your account ( there abouts anyway ) I really don't think this is a reply to your letter as I received one the otherday of Halifax the exact same and I haven't sent them an offer of reduced payments yet. I think the letter you have received is a default letter and probably the start of many more to come until RBOS accept your reduced payment. x

leese2504

Eupho wrote: »

I have been waiting for replies from my creditors (to my first letter/offer/token payment)

I've been sooo nervous waiting..

Anyhoo.. today two arrived! (well maybe one and a half.. we'll see in a minute)

Nervous?? .. nooo.. I was flippn furious!! haha. :mad:

The first one I read was from Hitachi Capital (DFS sofa) ...

I can't be bothered to type it all out.. but here are a few quotes.

'Whilst we appreciate that you are currently experiencing financial difficulties.. unfortunately we cannot accept your offer of £X per month. Failure to bring your account up to date will result in a default notice being issued. On expiry of the default notice if your account remains in arrears, it will be then referred to the litigation & debt recovery Department.

We hope this clarifies the situation.

---

Nice of them to offer you some help and advice ( NOT ) They haven't even negotiated with you!! You should of just sent a letter stating BRING IT ON!! :rotfl: