Is paid Debt Management REALLY so bad?

happy_peach

I think one of the main reasons for going with CCCS or Payplan is that they are supported by many / most credit providers.

In my own experience, when you tell a creditor that you are with Payplan, they normally ask for your reference number, and that is that.

I know that it can take a while to get a DMP started, but Payplan should have given you advice about token payments in the interim.

WhyisFreeBetter

davetrousers wrote: »

Leave the forum then

Why are you doing this?

You have a lot of posts here. How would you feel if I happen not to be a spammer?

You haven't even responded or challenge my denial in anyway. Just abuse from you?

@skylight you think is just a spot of flack? I've been continually accused of being a spammer by few people that won't even give me a chance or allow me to challenge the accusation.

Anyway, thanks to those that decided to treat me like a human being.

RAS

Hi

Friday afternoon/evening is usually the time that trolls and spammers come out so a "contraversial" post will get a more robust reponse than on Monday morning.

WhyisFreeBetter

happy_peach wrote: »

I think one of the main reasons for going with CCCS or Payplan is that they are supported by many / most credit providers.

In my own experience, when you tell a creditor that you are with Payplan, they normally ask for your reference number, and that is that.

I know that it can take a while to get a DMP started, but Payplan should have given you advice about token payments in the interim.

I remember Egg telling me a while back, when I ask them about options (when the trouble first started), that they only dealt with free companies. I wasn't sure if that was just a help desk script though.

Actually, I haven't had that advice from Payplan (although I suppose it is fairly obvious). Maybe that comes after I've sent back the initial document.

angelflower_2

Good luck on the Payplan thing. Please do remember that it does take a while for all this to be set up and for things to settle down when setting up a DMP. The thing I always remembered was it took me a long time to get into this mess so its going to take a while to get out.

Ilovejackbauer

As far as I am aware there are four fee free dmc's

CAB
CCCs
National Debtline
Payplan

These are the ones we recommend, the fee paying ones in my experience aren't any quicker that the free ones.

WhyisFreeBetter

RAS wrote: »

Hi

Friday afternoon/evening is usually the time that trolls and spammers come out so a "contraversial" post will get a more robust reponse than on Monday morning.

Fair enough, but in my opinion the long-term members who see the unfairness of this shouldn't be supporting the few idiots, no matter how good these people look in their signatures.

I've been around other forums as administrator and moderator before (mostly computing or motorsport based), and I know how damaging it is to have such members. Forums need new members.

ghostmadlittlemiss

WhyisFreeBetter wrote: »

I've been continually accused of being a spammer by few people that won't even give me a chance or allow me to challenge the accusation..

I think it might have something to do with your screen name. It makes it sound like you signed up merely to ask that question and that seems a bit suss.
Kayleigh

WhyisFreeBetter

angelflower wrote: »

Good luck on the Payplan thing. Please do remember that it does take a while for all this to be set up and for things to settle down when setting up a DMP. The thing I always remembered was it took me a long time to get into this mess so its going to take a while to get out.

Thank you. My problem is I left things too long. I'm pretty worried the really serious stuff is just around the corner. I suppose that's my main concern with regards to the speed of it. You're right though.

angelflower_2

we also recommend www.capuk.org as a free debt councilling agency