DMP Mutual Support Thread (Part 5)

Eupho

leese2504 wrote: »

No chance!! It's fantastic that we can all come on here together and share notes and pinch ideas off eachother, this site inspired me to arrange a DMP and I am sure it will for many, many other people. You always post helpful ideas and with a hint of humour always makes a really nice read. wahooooo to Eupho :rotfl:

hahaha! :rotfl: Thankyoo Leese xxx

Eupho

DevonGirl wrote: »

I think we've all worked out that you are a very active and chatty poster!! I do sometimes wonder if you're on a daily word count you have to keep to (10,000 a day, abit like a pedometer!!) :rotfl::rotfl::rotfl:

This is an open forum afer all, you can answer and ask as many thread as you like, so post away Eupho!! :j

DG

:rotfl::rotfl:

To be honest.. I try to keep it to a minimum.. :rotfl:

:wave:

icecube2009

ianmak wrote: »

Have they sent it through already? If you've sent it from paypal it normally takes a few days to get through so you maybe able to cancel it?

yes sadly it was sent a week ago, only realised the mistake when it didnt turn up in my new account & cant check that its in the old account as it wont let me log in now

icecube2009

Daffykjs wrote: »

is the account closed or is it an overdraft?

Similar happened to me recently (altho it was less). Two people paid money into my old account instead of new! i can't get this back because (because of the charges) I'm over the overdraft limit so I have 'zero available'. however my account isn't frozen as it's got the overdraft and i don't believe they freeze it until it's paid off (could be wrong, they are the only one who haven't acknowledged the DMP) so i think, had my balance been within the o/d limit, I could (and would) have just taken this money out like i would have done when i used to use it! obviously i didn't get to try this tact so this is only an assumption!! but yo could try just taking it back! Unless the account is closed i guess!

its an overdraft & its over its limit because of charges. I tried to log in to internet banking & it wont let me

icecube2009

HELP............ I got 3 letters from the CCCS today, for all 3 ofour lloyds overdrafts, they all say the same...LLoyds have not accepted the offer they made as they say the account numbers dont exist! they say they will make the payments anyway...what does this mean? how can the accounts not exist?

Eupho

icecube2009 wrote: »

HELP............ I got 3 letters from the CCCS today, for all 3 ofour lloyds overdrafts, they all say the same...LLoyds have not accepted the offer they made as they say the account numbers dont exist! they say they will make the payments anyway...what does this mean? how can the accounts not exist?

Oo thats weird.. (and maybe a good thing .. haha!

I'm joking.. hmmm... Did you double check the numbers you gave CCCS? .. Mind you.. I can see ONE being wrong maybe.. but not all of them.

It might be worth asking this on the main DFW board.. more people 'in the know' will get to see it.

:wave:

maz1964

Eupho wrote: »

RBOS
A notice of default.. (that was fast!)
Still not nasty or scary tho.. Phew!

Something along the lines of
'Thankyou for telling us you are unable to correct the position of your account because of your financial problems. We think the best course of action now is to withdraw your CC facility, so we enclose a Default notice which you should read carefully. We have to send you a notice of default by law before we can terminate your account. (gawwd! wish they would ALL do this!) .. with you and arrange a repayment programme.

At the end of the stipulated period, your agreement will be formally terminated and we shall again contact you with regard to repayment of the outstanding balance.
You will not be able to use your card (return it, cancel any DD) etc etc. (all nice and polite)

---

.. Phew... thats not too bad then. :T (so far.. anyway haha!) :rotfl:

hiya

just wanted to alert you,,,,keep the envelope and the dn and ensure its actually giving you 14 days from when you receive it to when you have to pay the default amount to avoid the default if that makes sense

a lot of my dn have not complied fully in the way they should be set out ie,,,a lot of bold and capital letters highlighting the critical parts of the dn and also not giving me the clear 14 days,,,it is then defective, a good defense can be done,,,,if they go on and terminate you then all they would be entitled to is the arrears figure, im sure a lot less than the balance, the law is very clear on the default notice being set out and being sent out correctly

its a bit of battle but hey ho, its a worthwhile one to fight back on,,,lots of case law and if can put your arguement across correctly its worth a shot in defending this if it ever gets to court

its my next mission to understand fully

keep all correspondence and all envelopes attached, in a file thats what i now do

cheers have a fun weekend laters angelx

Eupho

maz1964 wrote: »

hiya

just wanted to alert you,,,,keep the envelope and the dn and ensure its actually giving you 14 days from when you receive it to when you have to pay the default amount to avoid the default if that makes sense

a lot of my dn have not complied fully in the way they should be set out ie,,,a lot of bold and capital letters highlighting the critical parts of the dn and also not giving me the clear 14 days,,,it is then defective, a good defense can be done,,,,if they go on and terminate you then all they would be entitled to is the arrears figure, im sure a lot less than the balance, the law is very clear on the default notice being set out and being sent out correctly

its a bit of battle but hey ho, its a worthwhile one to fight back on,,,lots of case law and if can put your arguement across correctly its worth a shot in defending this if it ever gets to court

its my next mission to understand fully

keep all correspondence and all envelopes attached, in a file thats what i now do

cheers have a fun weekend laters angelx

Helloooooo :wave:

Ohh I am SUCH a dummy..

What does that mean in Eupho Speak? :rotfl:
(I really AM a dummy

I thought I wanted them to default me.. (I don't care about the credit file 'mark'.. it is the least of my worries) I thought the faster they default me the better.. getting interest/charges stopped etc etc?

I wasn't intending on paying the default amount..

.. have I got that wrong then? .. :undecided

Eupho

Sent all letters/offers etc Recorded Delivery on 15th May.

Now two weeks later.



Cashed* (about a week after being sent)


Barclays OD Still not cashed token payment.

Barclaycard.. Cashed.
Barclaycard cash card. Cashed

Cahoot Loan .. Cashed. 28th May~ Got letter of outstanding arrears. 29th May ~ Sent reply saying I have already written 14 days ago (to wrong address!) To notify them of my DMP etc. Sent copy of first letter (recorded) this time to right department haha. :rolleyes:

Cahoot OD.. Cashed

HSBC Card.. Still not cashed token payment.
HSBC Loan .. Still not cashed token payment.

Halifax.. Cashed.
Egg.. Cashed.

Hitachi Capital (DFS Sofa) Still not cashed.. but replied saying no way to offer, they want the money NOW.

RBOS.. Still not cashed. BUT! 28th May: Sent me ‘nice letter’ and also a default notice letter, (they say by law they have to) and I await their DC department to get in touch. (I'm happy with this ~ I think.. Maz?? haha!)

Morgan Stanley Card.. Cashed

Capital One card .. Cashed. 28th May received ‘Nice letter’ Offering to help, freeze interest and asking for more info. (bank statement/wage slip/proof of benefits ~ which I AM sending but only because they were nice (I know we don't HAVE to)

Hope that helps someone! :beer:

icecube2009

Eupho wrote: »

Oo thats weird.. (and maybe a good thing .. haha!

I'm joking.. hmmm... Did you double check the numbers you gave CCCS? .. Mind you.. I can see ONE being wrong maybe.. but not all of them.

It might be worth asking this on the main DFW board.. more people 'in the know' will get to see it.

:wave:

yes I checked the numbers are all correct