what are the next steps

moneybuster

had our paperwork from payplan filled all this in and will post Monday.

so is this right we are going on a DMP first payment to come out in May do i CCA the creditors or do i send the letter saying we can only offer a token payment this month but are setting up a DMP. could someone give me the link to the letters please


when do i CCA them ???.

we have a loan with NR unsecured do i CCA that as well ?????


Regards Moneybuster


weather lovley here

moneybuster

Bumping this please

Nargleblast

Have Payplan sent you some sample letters to send to your creditors, where you are advising them of the proposed DMP and enclosing a token payment for this month?

Re the CCA letters, if you mean what I think you mean, you only send a CCA letter if your creditors sell the debt on to a 3rd party who then contact you for payment. The CCA letter is your way of saying " you say I owe you this money? Then prove it!"
I have dealings with CCCS, not Payplan, so any other Payplan customers out there should be able to advise you more fully.

fatbelly

Nargleblast wrote: »

The CCA letter is your way of saying " you say I owe you this money? Then prove it!"

Not really - there's a 'prove-it' letter for that purpose.

For every regulated credit agreement (credit cards, catalogues, doorstep lenders, unsecured loans and some secured loans too) the debtor has a legal right at any time to request a 'true copy' of their credit agreement.

It won't work for overdrafts and other debts where credit was not involved.

More info here:

Getting a copy of your credit agreement and account details