DMP Mutual Support Thread (Part 5)

Eupho

bigmommamuppet wrote: »

JK8

I sent my MBNA token payment to the following address:

MBNA Europe Bank Ltd (Customer Services)
PO Box 1004
Chester Business Park
Chester
CH4 9WW

I have 3 MBNA accounts and they have been really good, have stopped interest on all 3 accounts for the next 12mths and have restructured my account so it now doesn't appear in arrears (mind you don't know what difference it makes). They have also said once I have finished my DMP i can stilll use my accounts. Hmmm I don't think so... don't ever want to get in this mess again.

No account with TSB so can't help there.

Becks

WOOHOO! Good news Becks! :T

:wave:

jk8_2

Eupho wrote: »

WOOHOO! Good news Becks! :T

:wave:

:jfab news-sorry just read that bit-was too busy checking the address:o-theres hope for me and dh yet then.Thanks eupho,it helps to feel like you are not alone
jk8

crafty1

Had 3 letters from creditors today - Capital One saying they have put me on a reduced payment plan - but not actually saying if they agree with amounts they will be getting, plus they sent a default notice.
2 letters from MBNA one for me one for DH both accepting payments on the plan - I am really pleased, only another 8 to hear from now!!

No phone calls YET either.......

Eupho

Ahhh.. Jay answered you.. (phew!) haha

..

You have saved yourself a lot of hassle changing your phone number.. Mind you .. that said..

So far, the first two weeks HSBC called me 10-15 times per day.. Till I picked up. (told them about my DMP, that I had sent letters etc etc)
They called me once the next morning.. (missed call) ..

and not a dicky bird since. (that was over a week ago now) .. Also!.. Capital One has called me.. once.. and so far now.. its been about a month.. and no one else has called.

Keep in mind too.. that yep you will get letters that say all sorts of scary stuff.. TRY not to 'take it to heart' ... Those are not aimed at YOU.. they are just standard letters that anyone in this situation gets.

DO NOT be bullied . or threatened. Stand your ground. :beer:

Take a deeeep breeeeathe. Read your letters..(try not to worry.. standard threats of pay up or else.. blah blah blah :rolleyes:)

Then come here and ask what to do.. or tell us what you got or whatever.

There are soooooooo MANY people heaps in the same situation.. further along in the process than you.. far behind you.. or in almost exactly the same place.
But everyone sharing ideas and advice..
you'll be fine! REALLY!.. Its just scary now. (thats all)

Keep us up to date.. :T

leese2504

bigmommamuppet wrote: »

JK8

I sent my MBNA token payment to the following address:

MBNA Europe Bank Ltd (Customer Services)
PO Box 1004
Chester Business Park
Chester
CH4 9WW

I have 3 MBNA accounts and they have been really good, have stopped interest on all 3 accounts for the next 12mths and have restructured my account so it now doesn't appear in arrears (mind you don't know what difference it makes). They have also said once I have finished my DMP i can stilll use my accounts. Hmmm I don't think so... don't ever want to get in this mess again.

No account with TSB so can't help there.

Becks

Top news Becks, hope they are as good to us!!! I am never ever going to use credit again, we live and learn :T

Eupho

crafty1 wrote: »

Had 3 letters from creditors today - Capital One saying they have put me on a reduced payment plan - but not actually saying if they agree with amounts they will be getting, plus they sent a default notice.
2 letters from MBNA one for me one for DH both accepting payments on the plan - I am really pleased, only another 8 to hear from now!!

No phone calls YET either.......

Hey Crafty :wave:

Was that your first letter from them? .. Or ha they already written to you asking you to send bank statement.. Wage slip.. and proof of benefits?

(thats what they asked me for.. and some other peeps too)..

(For anyone else reading.. You dont have to send those by the way)

Crafty.. They wrote asking me for those.. and offered me two plans.. 6mths short term plan.. of no interest extra.. 5 smaller payments.. and one big final. But not default on credit file.. OR.. Longer payments (still interest frozen) .. reviewed 12mthly.. BUT default on credit file.

I havent taken either offer yet.. I have just sent them a CCA request tho.

:wave:

leese2504

saskia1 wrote: »

I would downgrade to an 'Advance' a/c if i was you - i had a plus a/c & they are fab - if you travel abroad more than once a year?

but i suspect they would downgrade it anyway.

sorry - that sounds like rubbish advice - but i haven't worked in a branch for over 5 yrs - i sit in an admin office!

sas

Thanks Saskia I will be asking them to downgrade as I wont be using the account again, its a shame as I really like my HSBC account, but I am starting to get used to my Abbey account.

Eupho

leese2504 wrote: »

Top news Becks, hope they are as good to us!!! I am never ever going to use credit again, we live and learn :T

gawwwd me neither!! :rotfl:

never never EVER! :T

Hi Leeeeese :wave:

newlywed

Well I've sent my reduced dmp payment... now I have to notify my creditors as to why Think I will go for letters

Can't quite get the courage to do it yet... though last time everyone was nice on the phone (firstdirect weren't afterwards though).

leese2504

Eupho wrote: »

Ahhh.. Jay answered you.. (phew!) haha

..

You have saved yourself a lot of hassle changing your phone number.. Mind you .. that said..

So far, the first two weeks HSBC called me 10-15 times per day.. Till I picked up. (told them about my DMP, that I had sent letters etc etc)
They called me once the next morning.. (missed call) ..

and not a dicky bird since. (that was over a week ago now) .. Also!.. Capital One has called me.. once.. and so far now.. its been about a month.. and no one else has called.

Keep in mind too.. that yep you will get letters that say all sorts of scary stuff.. TRY not to 'take it to heart' ... Those are not aimed at YOU.. they are just standard letters that anyone in this situation gets.

DO NOT be bullied . or threatened. Stand your ground. :beer:

Take a deeeep breeeeathe. Read your letters..(try not to worry.. standard threats of pay up or else.. blah blah blah :rolleyes:)

Then come here and ask what to do.. or tell us what you got or whatever.

There are soooooooo MANY people heaps in the same situation.. further along in the process than you.. far behind you.. or in almost exactly the same place.
But everyone sharing ideas and advice..
you'll be fine! REALLY!.. Its just scary now. (thats all)

Keep us up to date.. :T

Hey Eupho, hope you are well, have you heard anything from HSBC yet? I havent as yet nor have they cashed my cheque's but I have had no calls for several days now. its bliss :T