DMP Mutual Support Thread (Part 6)

cleomolly

geoffmr1 - I can't thank you enough for your last post, it was so easy to read and understand and you certainly have put my mind at rest a little. I've not read anything about making sure they have a copy of the agreement, but will look into this. I'm sure they will have though, as I signed for the loan in branch. But if this is something I could look into for my other creditors then I certainly will look into this. I think the only other option is for me to write a detailed letter to them explaining all I can in regards to my commitment to repaying my debts and about the increases I will be able to offer in the future. fingers crossed they don't proceed and I'm glad to here things won't actually happen as fast as I thought..........I could picture myself in front of the judge next week..........pheeewww. Again thank you all for your help, its greatly appreciated.

cleomolly

muddlemess wrote: »

Also wondered if anyone else was having problems logging into CCCS website, keeps telling me password wrong then when go to get new password tells me e-mail and account number don't match!

Spoke to CCCS today and clarified e-mail address and a/c no :mad:

I had this problem the other day, it worked a few days later when I tried again. May be try again tomorrow? technology tut!

muddlemess

Hi just wondering if anyone has seen cocker around lately, he used to be around alot...

PayingMyDebts

I've been checking through my paperwork and have noticed that I've not had a statement for over a year from American Express, is this legal?

cleomolly

payingmydebts, I'm not quite sure about the legal side but this happend to my partner recently, it turned out when he'd signed up for online banking he'd accepted in terms not to receive paper statments anymore! could it be something like this perhaps?

scouselad1974

cleomolly wrote: »

payingmydebts, I'm not quite sure about the legal side but this happend to my partner recently, it turned out when he'd signed up for online banking he'd accepted in terms not to receive paper statments anymore! could it be something like this perhaps?

Hi

I have the same problem, my Amex account was passed to RMA Resolve within days of me informing Amex of my pending DMP. RMA Resolve accepted my offer through CCCS and I haven't heard a peep from them, like you I would like to receive a statement so that I can keep an eye on my balance, but the reply to your question makes total sense.

Does a DCA have to supply a statement of your account, or is it up to you to contact them to find out your balance ? RMA Resolve never reply to emails or letters and I refuse to speak to them for obvious reasons

Daffykjs

I've been wondering similar too! (not the legality part, that hadn't crossed my mind). I don't get Egg ones I don't think. but this is coz i signed up for internet ones. but now don't know how and if i can find out my balance and if they are charging me interest or not.

Also Natwest is now passed to Triton and Natwest were charging me loads and the debt was going up but i don't know how to find out what's happening now!

anyhelptaken

I remember a couple of weeks ago on the forum there was a reply about the charging orders and CCJ's, and i seem to remeber it said that if you have a joint mortgage, then a charging order could not be taken out againt you, i think in one of your earlier posts you stated you had a joint mortgage, perhaps one of the people who is a whizz on the forum may be able to post a link to the relevenat thread.

I know i was interested and was going to print of the post but forgot, as I ahve a joint mortgage with my sister.

cleomolly wrote: »

geoffmr1 - I can't thank you enough for your last post, it was so easy to read and understand and you certainly have put my mind at rest a little. I've not read anything about making sure they have a copy of the agreement, but will look into this. I'm sure they will have though, as I signed for the loan in branch. But if this is something I could look into for my other creditors then I certainly will look into this. I think the only other option is for me to write a detailed letter to them explaining all I can in regards to my commitment to repaying my debts and about the increases I will be able to offer in the future. fingers crossed they don't proceed and I'm glad to here things won't actually happen as fast as I thought..........I could picture myself in front of the judge next week..........pheeewww. Again thank you all for your help, its greatly appreciated.

geoffmr1

anyhelptaken wrote: »

I remember a couple of weeks ago on the forum there was a reply about the charging orders and CCJ's, and i seem to remeber it said that if you have a joint mortgage, then a charging order could not be taken out againt you, i think in one of your earlier posts you stated you had a joint mortgage, perhaps one of the people who is a whizz on the forum may be able to post a link to the relevenat thread.

I know i was interested and was going to print of the post but forgot, as I ahve a joint mortgage with my sister.

It doesn't matter whether you have a joint mortgage or not, a creditor can still apply for a charging order over your property. I have a joint mortgage & we tried all these arguments against HFC, none of it worked (I decided to fight them though when I found they had an unenforceable credit agreement & they backed down the day before court). All it would mean is that if you sold the property then the money for the charge would come out of your share not the other persons.

ladyday

anyhelptaken wrote: »

I remember a couple of weeks ago on the forum there was a reply about the charging orders and CCJ's, and i seem to remeber it said that if you have a joint mortgage, then a charging order could not be taken out againt you, i think in one of your earlier posts you stated you had a joint mortgage, perhaps one of the people who is a whizz on the forum may be able to post a link to the relevenat thread.

I know i was interested and was going to print of the post but forgot, as I ahve a joint mortgage with my sister.

I think this link is the forum thread about it - very interesting.