DFH financial solutions

Grumpelstiltskin

Ray As Fermi says the charities will run your debt management plan free of charge, and how much exactly are DFH taking each month?

Ray:

Today should be the 70£ upfront charge plus the amount of £150, and then after it's 150 for about 20months. with their added charge of just under 30£. Okay which is the best charity/organisation to contact then? And I shall proceed further? Thanks again. Just when I thought I was someone was helping me (i.e. DFH) and this happens! So how do they get away with this other than ignorant people like myself? Or is that the sole reason?

Grumpelstiltskin

Ray see the organisations in Fermi's signature, contact which ever you want no harm in looking at all the websites, ringing more than one if you like and then make your mind up which one you are happiest with.

Hardtimes80

O my god, I feel absolutely sick to my stomach reading all your posts. I have been with DFH for a while (2YRS) paying £500 per month. Having lived our 20s to the max, we had credit cards build up, never missed a payment but none the less it got hard especially with high interest rates and we had a newborn in our lives. Like what most said DFH offered us the world to our relief but I did ask on several occasions would it affect our secure credit ie Car finance/mortgage - told by the same sales guy "NO" was 100% sure of this. I was also informed it would take us 5yrs to pay back - it was a debt management programme not IVA. This week my world has fallen apart received a phone call from a lovely lady saying it was going to take another 5yrs to pay back she again said that we should be able to obtain secure credit. We want to upgrade our car & can't!! I had to tell my husband about this & to say he is not happy is an understatement. I haven't a clue where to go from here!!! I put my hands we built up the debt so have to tell with it, however I feel completely misguided by them. Now they want me to consider an IVA. Anyone have any serious advise.

carlosamigos18

Hi,

I have been with DFH since the summer, and I haven't had any real problems with them. However after reading this site and seeing the likes of Payplan I decided that I wanted to leave the DMP as the £35 fee could be going to the creditors, and hopefully speed things along.

I rang DFH, and they tried to explain to me the risks of leaving etc, and to be fair, didn't try to threaten or be rude with me. However I received a phone call on Friday (the day before my payment goes to them) to see if I'd made a decision, and I told them I wanted to leave the plan, so the man on the phone told me he would cancel it and cancel the cards/details for me. I received a phonecall about 10 minutes later and he just explained that it was a Standing Order I was paying so I would need to cancel this myself.

My problem then was that I am with NatWest, and I cancelled the standing order immediately online, but also went straight to the branch to confirm it had been cancelled. Here I was told that it takes 3 days to cancel a standing order, but the girl said she would check to see if it had been cancelled, and she told me it was. Of course when I checked my account the next day my £100 had gone to DFH, so I instantly went up to NatWest and said to them that there was an error and that I was told this was cancelled. But they just said even if I was in yesterday that would have been too short of notice. My issue is that DFH have mentioned that if they received any money it would be non-refundable, and because it was over the weekend I wasn't able to contact DFH either.

What are my options now, as I could really do with this £100!

Cheers for any replies.

Carl

Mummyto2girls

Around 2 weeks ago I started up with dfh everything they said made me feel better about my debt. but then come on here and read all these comments and hearing there are free ones out there that I can get help from made me want to cancel with dfh and try others I was due to make my first payment the Thursday coming it was only Monday phone them and said I would like to cancel and not to take things any further at this point the women on the phone was going crazy not only about how they was helping me but asking personal questions that didn't even have anything to do with it ie am 36 weeks pregnant and she was saying oh right ok so your going to have a baby with all this debt over your head . Making me feel really bad for stopping at this point in the end I just said that's is it I don't want to go through could you cancel . By the end of the phone call she told me it was canceled and nothing will go any further and payment won't be taken . Come Thursday morning £325 was taken from my account I phoned back straight away and I spoke to a male who said it hadn't been canceled completely at this point I was red and angry and told asks why he reply was it was just one button needed to be presses sumit which as you could imagine knowing this made me really angry and alls I wanted was my money he then tells me oh yes that's fine we will return it straight away but could take 7 working days which left me in a mess really would not recommend this company at all

sickboy5150

There is nothing wrong with DFH. I have been with them for three years and have not had any trouble with them. They always call to go over updates and progress. Remember this when going with DFH or other fee paying debt management companies. Nothing is free in this world. You do pay DFH and I'm all for it. If someone is getting paid to sort out your !!!! then they will do everything possible to help you because without clients they have no work. The free government programs are just that. They will not bend over backwards because they are just a charity. So listen people, pay a fee because you get what you pay for. Just because something is free does not make it better.
Also people. Quit being sheep. Don't go on forums and then jump the gun by cancelling your DMP with DFH or any others. The people on here saying DFH is this and that, you're taking an opinion from someone who messed up their own personal life management and ended up in debt. Not exactly the horse's mouth and neither am I. If you want to pay someone to sort out your mess, they will most likely do a better job than the charity or government program.

Grumpelstiltskin

sickboy5150 wrote: »

There is nothing wrong with DFH. I have been with them for three years and have not had any trouble with them. They always call to go over updates and progress. Remember this when going with DFH or other fee paying debt management companies. Nothing is free in this world. You do pay DFH and I'm all for it. If someone is getting paid to sort out your !!!! then they will do everything possible to help you because without clients they have no work. The free government programs are just that. They will not bend over backwards because they are just a charity. So listen people, pay a fee because you get what you pay for. Just because something is free does not make it better.
Also people. Quit being sheep. Don't go on forums and then jump the gun by cancelling your DMP with DFH or any others. The people on here saying DFH is this and that, you're taking an opinion from someone who messed up their own personal life management and ended up in debt. Not exactly the horse's mouth and neither am I. If you want to pay someone to sort out your mess, they will most likely do a better job than the charity or government program.

And how long have you worked for them?

sourcrates

sickboy5150 wrote: »

There is nothing wrong with DFH. I have been with them for three years and have not had any trouble with them. They always call to go over updates and progress. Remember this when going with DFH or other fee paying debt management companies. Nothing is free in this world. You do pay DFH and I'm all for it. If someone is getting paid to sort out your !!!! then they will do everything possible to help you because without clients they have no work. The free government programs are just that. They will not bend over backwards because they are just a charity. So listen people, pay a fee because you get what you pay for. Just because something is free does not make it better.
Also people. Quit being sheep. Don't go on forums and then jump the gun by cancelling your DMP with DFH or any others. The people on here saying DFH is this and that, you're taking an opinion from someone who messed up their own personal life management and ended up in debt. Not exactly the horse's mouth and neither am I. If you want to pay someone to sort out your mess, they will most likely do a better job than the charity or government program.

This is utter tosh, and the advice contained in this post should be ignored. :mad:


You do not need to pay anyone to run a DMP, all they do for you is negotiate with your creditors and make payments, things ANYONE can do for them selves for FREE !!!!!!!


If you can write a letter, and make a payment, then you can run a DMP, its easy, its simple, and you should not pay anyone to do this for you, as you are just adding to your own debts, its simply counter productive.


If you feel incapable of doing the above, then stepchange are the people to talk to, again, they will do it for free.


All fee paying debt management companies are just that, limited companies, who can go bust at any time, taking all your money with them, they should all be banned as they do nothing but exploit people who are in debt.

Zerdi6

Hi,

I was with DFH for a few months - before I started lurking on here and realising there are others (Payplan, Stepchange etc) that do it for free!

I was happy with the service I was receiving with DFH but decided it was worth moving so the extra £35pm could go straight towards my debts.

I chose Stepchange and have been very happy with them so far (3 months in)