DMP Mutual Support Thread (Part 6)

scouselad1974

sarahb7538 wrote: »

Can i join please

I am about to start my DMP with CCCS in October

Has anyone any advice about dealing with Vanquish and Additions as creditiors in a DMP. I have a few main stream creditors as well but i feel these are the two that will be the worst !

Also what is the best way to make a token payment. I normally do everything online but i have heard cheque payments might be better, but i can't find my cheque book anywhere...do you think it will be ok to make the token payment via online banking?

Hi

Vanquis accepted my DMP and froze interest after my "please reconsider your decision" letter. They did telephone me constantly at the start until we came to an agreement though.

Send a postal order for your token payments attached to the letter explaining that you are about to start a DMP.

Good Luck

snowymalone

ianmak wrote: »

Here you go, was waiting for you to post before giving you a number, I don't give these out to just anyone, you know.

snowymalone 337

Way hey! Thank you very much .

Nicki_Sue

Morning - rocky road recently but all sorted now (hopefully!). DH was made redundant in June but now has a better job and we've (yesterday) done a new review with cccs and our dmp payment is going from 130 to £300! So our df date with go from 14 years to 5 years (unless other hiccups appear!). Now our creditors are abit miffed at the moment because we paid a token, then a reduced amount, then reduced, same this month and new amount which is higher than we have ever paid on the dmp starts Oct. CCCS have suggested I write to them all and tell them of the changes and that a new I/E will be with them soonish, and also to ask for original credit agreements etc. Do you think this is wise at this time?
Also, if I do one of my creditors I have 3 accounts with, so do I sent a £3 postal order for this request or is £1 per creditor?

Thanks!

snowymalone

I think it's a quid per account. That's what we did initially (we had two Barclaycards - just do a pound per bill received is the safest I'd say.)

Nicki_Sue

snowymalone wrote: »

I think it's a quid per account. That's what we did initially (we had two Barclaycards - just do a pound per bill received is the safest I'd say.)

Thats what I thought - thanks! Heres hoping someone has accidently shredded all my paperwork making everything unenforcable lol, won't hold my breath but at least I should get my confirmed balance owing - which so many seem unable to do at the moment!

sarahb7538

scouselad1974 wrote: »

Hi

Vanquis accepted my DMP and froze interest after my "please reconsider your decision" letter. They did telephone me constantly at the start until we came to an agreement though.

Send a postal order for your token payments attached to the letter explaining that you are about to start a DMP.

Good Luck

Thank you very much - I'll brace myself for the calls !!

mozzyc

Toffee_Penny wrote: »

Taa Daah! :j Evening all! I have had the bestest news ever this week;

I have won my PPI case with Lloyds TSB :j:j:j

I had a letter from the Financial Ombudsman to say that Eisis Ltd (whoever they are) have not accepted liability but are willing to refund ppi as a gesture of goodwill The best of it is this is just for loan number 3, the live one that I have on my DMP. I contacted the Ombudsman to ask if loans number 1 and 2 were included, but I think there was a bit of a mix up with my letters and the FOS said it was just for the one loan. So another letter went straight to Lloyds to complain about loan 1 and 2, I gladly paid the 4 odd quid so they got it the next day too! I can't see how they can deny ppi mis-selling on one loan if they have offered a refund on another. So, so chuffed The FOS said it could take up to 12 weeks for a refund, I don't mind as it will knock down the DMP a bit more.

Realised I had a Lloyds TSB credit card too a few years back and sent a SAR to them. Guess what? PPI was on that too! :mad: So have sent a letter to Lloyds about this too! We now have outstanding ppi claims with the FOS for Barclaycard and MBNA.

Things are going well for us at the minute, I have increased my hours at work starting September and OH has a few more houses to build. Our hardest times were over Christmas and the New Year when OH looked like his work was going to stop. I was at my lowest so I am certainly not counting my chickens just yet. This DMP has made me realise just how stupid we were with money and if we had a £ for every time we said to each other 'if only we did it sooner....' then we would clear our DMP a hell of a lot quicker :rolleyes:

Our DMP is due to finish September 2017, when we first started it was December 2023. A tad bit of ppi back and the creditors being 'kind' :rolleyes: stopping further interest and charges has helped decrease our total debt from nearly 53k to 41 and a bit! Still massive but the pressure has gone, I don't feel scared anymore and I certainly don't shed tears over creditors and DCA's like I used to.

I just keep thinking that my youngest will be 16 by the time our DMP has finished. I can't wait to tell my two about one of the biggest mistakes me and Dad have made so they don't follow in our footsteps of being in debt for years into their adult lives

Sorry if I have waffled and bored you all but I feel like we are getting somewhere finally. We are making a dent in the debt and I just keep thinking Gran Canaria, Gran Canaria. That's what keeps me going, my little dream of going on holiday abroad without the help of the 'flexible friend' Yep the thought of that holiday oh and those boxed pack of 6 cream cakes you get in Tesco, yep that's what keeps me going alot of the time

Don't let the sods get you down, there is light at the end of the tunnel even if it does seem distant. I wish you all lived near so we could have a massive bbq/party while the weather is nice, although you'd have to bring your own booze, I'm on a DMP don't cha know :rotfl: I reckon there's some right party animals on here, you all sound so proper when talking about money!

Take care all of you xxx

Rachel

That's great news!!!!! Congrats!!! Especially with a few of us on here struggling with Lloyds, that's really promising. Just dug out all my old agreements from the loans and credit cards, and realised i've got ppi on all of them. So need to cancel them and start claiming back. Would love to make a huge dent in that Lloyds loan. Yay!

glitterlea

Toffee_Penny wrote: »

Taa Daah! :j Evening all! I have had the bestest news ever this week;

I have won my PPI case with Lloyds TSB :j:j:j

I had a letter from the Financial Ombudsman to say that Eisis Ltd (whoever they are) have not accepted liability but are willing to refund ppi as a gesture of goodwill The best of it is this is just for loan number 3, the live one that I have on my DMP. I contacted the Ombudsman to ask if loans number 1 and 2 were included, but I think there was a bit of a mix up with my letters and the FOS said it was just for the one loan. So another letter went straight to Lloyds to complain about loan 1 and 2, I gladly paid the 4 odd quid so they got it the next day too! I can't see how they can deny ppi mis-selling on one loan if they have offered a refund on another. So, so chuffed The FOS said it could take up to 12 weeks for a refund, I don't mind as it will knock down the DMP a bit more.

Realised I had a Lloyds TSB credit card too a few years back and sent a SAR to them. Guess what? PPI was on that too! :mad: So have sent a letter to Lloyds about this too! We now have outstanding ppi claims with the FOS for Barclaycard and MBNA.

Things are going well for us at the minute, I have increased my hours at work starting September and OH has a few more houses to build. Our hardest times were over Christmas and the New Year when OH looked like his work was going to stop. I was at my lowest so I am certainly not counting my chickens just yet. This DMP has made me realise just how stupid we were with money and if we had a £ for every time we said to each other 'if only we did it sooner....' then we would clear our DMP a hell of a lot quicker :rolleyes:

Our DMP is due to finish September 2017, when we first started it was December 2023. A tad bit of ppi back and the creditors being 'kind' :rolleyes: stopping further interest and charges has helped decrease our total debt from nearly 53k to 41 and a bit! Still massive but the pressure has gone, I don't feel scared anymore and I certainly don't shed tears over creditors and DCA's like I used to.

I just keep thinking that my youngest will be 16 by the time our DMP has finished. I can't wait to tell my two about one of the biggest mistakes me and Dad have made so they don't follow in our footsteps of being in debt for years into their adult lives

Sorry if I have waffled and bored you all but I feel like we are getting somewhere finally. We are making a dent in the debt and I just keep thinking Gran Canaria, Gran Canaria. That's what keeps me going, my little dream of going on holiday abroad without the help of the 'flexible friend' Yep the thought of that holiday oh and those boxed pack of 6 cream cakes you get in Tesco, yep that's what keeps me going alot of the time

Don't let the sods get you down, there is light at the end of the tunnel even if it does seem distant. I wish you all lived near so we could have a massive bbq/party while the weather is nice, although you'd have to bring your own booze, I'm on a DMP don't cha know :rotfl: I reckon there's some right party animals on here, you all sound so proper when talking about money!

Take care all of you xxx

Rachel

:beer: Thats brilliant news, well done you!!
x

glitterlea

Hi All,
Just thought I'd pop by and say hello as I haven't had chance to get on here much these past few weeks.

So, I'm almost through my first month of being on a DMP with payplan. I can see from online balances that my creditors have accepted the payment from payplan but I've heard NOTHING from any one of them, nada.. nothing!! I was all set up for the letters and endless calls but I haven't heard a single thing :huh:
Is this normal or am I speaking too soon?
I did have a default letter from my tesco cc to say they were charging me a late payment fee of £12 but that's honestly all I've heard!

Has anyone else experienced this? x

crafty1

glitterlea wrote: »

Hi All,
Just thought I'd pop by and say hello as I haven't had chance to get on here much these past few weeks.

So, I'm almost through my first month of being on a DMP with payplan. I can see from online balances that my creditors have accepted the payment from payplan but I've heard NOTHING from any one of them, nada.. nothing!! I was all set up for the letters and endless calls but I haven't heard a single thing :huh:
Is this normal or am I speaking too soon?
I did have a default letter from my tesco cc to say they were charging me a late payment fee of £12 but that's honestly all I've heard!

Has anyone else experienced this? x

I'm the same except that I paid my first payment on the 1st June - I've had a couple of default letters but no phone calls or stroppy letters or anything - keep waiting for it to happen, maybe it will if accounts get passed to DCA's - but at the moment things aren't as bad as I'd imagined they might be - don't want to tempt fate though.....