DMP Mutual Support Thread (Part 5)

Seasiders_2

cocker100 wrote: »

Hiya,

It is vital you request a copy of the original credit agreement (CCA request) to see if it is a valid agreement. If it isn't they should not be able to legally persue the debt.

A creditor has 12 working days to provide you with the requested document otherwise the account becomes automatically disputed and enforcement action is not permitted.

You need to send a £1 fee with your request.

This could be a very long and winding road for you, but the authorities are finally clamping down on creditors who ignore the rules and continue to persue, especially DCA's.

Have a look through the following thread for more information. They are lots of clever people who post on there who will assist you with template letters etc.


Good luck,

Cocker:)

Cocker - Thanks for your reply but not sure this will help to be honest - this was a last chance consolidation loan with RBS - you know the one they persuade you to take out to replace loans you have with them at a lower interest rate but you are in arrears with????? - so it is pretty recent and I guess they closed the hole in the credit agreement didn’t they?

Toffee_Penny

bigmommamuppet wrote: »

Hi Eupo

Your not the only one who gets confused with all the termiology :rolleyes:. My understanding now is that everytime a creditor adds a charge to your account for missed/late payment they need to issue with a default of sum notice stating the charge and that they can't add interest for the 1st 28days. So these letters a fairly standard and I have had a few of them. A default notice is more offical and is used to 'close' your account as you've breached the T&Cs, this usually allows for your account to be passed onto a DCA.

Becks.

Thanks for clarifying that BMM NDR always send me one every month and I couldn't understand why or what it really was I'm collecting them along with the lovely double sided leaflets the creditors seem to be hellbent on sending each month on what to do if you are in debt. (gee thanks :rolleyes:)

I think I have collected that many I could easily redecorate the hall, stairs and landing in them:rotfl:

DevonGirl

Toffee_Penny wrote: »

Thanks for clarifying that BMM NDR always send me one every month and I couldn't understand why or what it really was I'm collecting them along with the lovely double sided leaflets the creditors seem to be hellbent on sending each month on what to do if you are in debt. (gee thanks :rolleyes:)

I think I have collected that many I could easily redecorate the hall, stairs and landing in them:rotfl:

Haha TP - Love it... :rotfl:

I have quite a nice collection of those double sided default leaflets too!

Welcome back!
DG

Eupho

Toffee_Penny wrote: »

Thanks for clarifying that BMM NDR always send me one every month and I couldn't understand why or what it really was I'm collecting them along with the lovely double sided leaflets the creditors seem to be hellbent on sending each month on what to do if you are in debt. (gee thanks :rolleyes:)

I think I have collected that many I could easily redecorate the hall, stairs and landing in them :rotfl:

hahaha!!
Do they charge you to send them? .. That flippin stinking Hitachi Capital are going to charge me each time they send me one! :mad:

Oo My wages DID go into the my new account .. phew!!.. I missed swapping it over last month by a whisker and had to wait.

So thats good anyway.. My employers are numpties, and I was pretty sure it was going to go into my old account. :rolleyes:

crafty1

Eupho wrote: »

I think that's what they will do to me too.. (anytime now) ..

Helloo Crafty :wave:

Hellooo I am hoping for a quiet weekend, had bottle of wine in the fridge since Sunday and I am going to ENJOY drinking it tonight - good weekend all :beer:

bexxie90

crafty1 wrote: »

got home today to a letter from Barclays regarding the offer of payment for my overdraft, basically saying that with the offer i made (through dmp with cccs) it would take too long to pay off and they would be passing this on and someone would contact me - just wondered if anyone had any experience of Barclays Overdrafts - will it be Mercers or is that just Barclaycard??

I got this then Payplan told me they had accepted so reckon it is hot air.
Dont worry


I have a Q nationwide are not accepting for the 3 accs we have two O/D and one CC they via KPR are threating CCJ and Charging order,do i need to feel worried?

x

DevonGirl

I've finally had it with HSBC!! After weeks of constant calls from HSBC, I finally answered the phone again last night.... wish I hadn't bothered really.

The guy at the end of the phone, frankly sounded old enough to be my son (sorry, shouldn't be ageist :o) and had the intellect of well below that. After the usual 'can you make a payment today' 'nope' conversation he decided to go through my budget, which basically consisted of me giving him the figures CCCS had already sent him, at the end of which he asked again 'so you have no money to make a payment today' (errrrr hellooooooo?!!!! you've just seen my budget - every penny is accounted for!!!!!).
He asked in a very stroppy teenage manner (told you he was young! ), wasn't I able to do any overtime at work!!! Followed by, are you able to borrow money off family or friends to pay off the outstanding amount.
:mad: I told him 'no' to both, and that he was going against OFT guidelines by encouraging me to borrow more to pay off an original debt. To which he replied - I was only asking.... :mad:

Anyway, after 20 minutes of this rubbish, including almost begging me to take out a managed loan, he finally realised that you can't get blood out of a stone and said he'd put my account 'on hold'. Honestly, HSBC say in their literature that they will work with debt agencies such as CCCS if asked to, and when you do ask them to contact CCCS they say, 'oh we don't accept their DMPs, we work out our own figures'........

I have now deleted all my telephone nos from the internet banking site (they have my postal/e-mail addresses if they want to contact me), and home is now a haven of peace, tranquility and no unwanted phone calls!!

OK, rant over.... How's everyone else finding HSBC? Haven't seen MRSG2B on here for a while - she was my HSBC-bashing pal!!

Have a nice weekend folks
DG

leese2504

DevonGirl wrote: »

I've finally had it with HSBC!! After weeks of constant calls from HSBC, I finally answered the phone again last night.... wish I hadn't bothered really.

The guy at the end of the phone, frankly sounded old enough to be my son (sorry, shouldn't be ageist :o) and had the intellect of well below that. After the usual 'can you make a payment today' 'nope' conversation he decided to go through my budget, which basically consisted of me giving him the figures CCCS had already sent him, at the end of which he asked again 'so you have no money to make a payment today' (errrrr hellooooooo?!!!! you've just seen my budget - every penny is accounted for!!!!!).
He asked in a very stroppy teenage manner (told you he was young! ), wasn't I able to do any overtime at work!!! Followed by, are you able to borrow money off family or friends to pay off the outstanding amount.
:mad: I told him 'no' to both, and that he was going against OFT guidelines by encouraging me to borrow more to pay off an original debt. To which he replied - I was only asking.... :mad:

Anyway, after 20 minutes of this rubbish, including almost begging me to take out a managed loan, he finally realised that you can't get blood out of a stone and said he'd put my account 'on hold'. Honestly, HSBC say in their literature that they will work with debt agencies such as CCCS if asked to, and when you do ask them to contact CCCS they say, 'oh we don't accept their DMPs, we work out our own figures'........

I have now deleted all my telephone nos from the internet banking site (they have my postal/e-mail addresses if they want to contact me), and home is now a haven of peace, tranquility and no unwanted phone calls!!

OK, rant over.... How's everyone else finding HSBC? Haven't seen MRSG2B on here for a while - she was my HSBC-bashing pal!!

Have a nice weekend folks
DG

Hi, I have alot of debt with HSBC and at first I was getting call after call from them, not heard as much from them recently, apart from the odd text etc. They have sent me a letter stating I am in arrears and if payment isnt made soon will take further action, have you had anything like that yet?

DevonGirl

leese2504 wrote: »

Hi, I have alot of debt with HSBC and at first I was getting call after call from them, not heard as much from them recently, apart from the odd text etc. They have sent me a letter stating I am in arrears and if payment isnt made soon will take further action, have you had anything like that yet?

Hi Leese

Yeah, I've had the letter that tells me that my loan with them is in default and they sent that shiny double-sided leaflet that all my creditors seem to be sending as I've been on DMP for 2 months, and they tend to take action after 2 (full) missed payments, as they've only had the reduced amount. Does that make sense? As far as I can gather from this site, this is a normal step in the whole process, it shows that the original contract terms to pay the minimum have been broken and (potentially) allows them to take it to court if necessary (praying that it doesn't happen).
DG

leese2504

DevonGirl wrote: »

Hi Leese

Yeah, I've had the letter that tells me that my loan with them is in default and they sent that shiny double-sided leaflet that all my creditors seem to be sending as I've been on DMP for 2 months, and they tend to take action after 2 (full) missed payments, as they've only had the reduced amount. Does that make sense? As far as I can gather from this site, this is a normal step in the whole process, it shows that the original contract terms to pay the minimum have been broken and (potentially) allows them to take it to court if necessary (praying that it doesn't happen).
DG

Thanks Devongirl, this isn't the proper default letter though is it? and am I right in thinking they cant take me to court until I have my default letter which has to be within 14 days from the date I receive the letter. Thanks in advance