DMP Mutual Support Thread (Part 6)

Daffykjs

mozzyc wrote: »

And even though they have agreed for us to pay 202, they are still adding the difference to the balance every month. So paying 202 is doing nothing for us other than probably keeping us from going to court etc. It's not helping us out financially at all.

Have they said WHY they are adding the difference? is it interest? I've never heard of this before, how completely unreasonable!

Definitely send a letter about it, as someone suggested, and I think someone else on here (sorry can't remember who) sent it with COMPLAINT on the top. This way it would hopefully get more attention, and hopefully from the right people! (and hopefull someone who knows more and has done this will be along to help soon!)

Sorry no other advice than this. my bank overdraft were charging me more in interest and charges than i was paying and it was going up. But eventually after speaking to an obnoxious man on the phone and actually telling them (much to his disgust) that I WNATED to be defaulted, and ignoring their 'do you know what this means?' letters they finally passed me on to another company and the interest and charges have stopped! I think getting defaulted is the way forward for you! But I'm not sure how this should properly be achieved!

have you applied for the CCA yet?

mozzyc

Daffykjs wrote: »

Have they said WHY they are adding the difference? is it interest? I've never heard of this before, how completely unreasonable!

Definitely send a letter about it, as someone suggested, and I think someone else on here (sorry can't remember who) sent it with COMPLAINT on the top. This way it would hopefully get more attention, and hopefully from the right people! (and hopefull someone who knows more and has done this will be along to help soon!)

Sorry no other advice than this. my bank overdraft were charging me more in interest and charges than i was paying and it was going up. But eventually after speaking to an obnoxious man on the phone and actually telling them (much to his disgust) that I WNATED to be defaulted, and ignoring their 'do you know what this means?' letters they finally passed me on to another company and the interest and charges have stopped! I think getting defaulted is the way forward for you! But I'm not sure how this should properly be achieved!

have you applied for the CCA yet?

Hi
No. I have the original agreement still. What would the CCA state? I have wrote to them endless times, and different ways. I'm at a loss here, and payplan don't offer any advice other than the usual "we can't get them to stop interest" - i know that. I'm asking what you think our best course of action would be. And having to deal with everyone over the phone is getting us no-where.

mozzyc

HI 50broke

Have done all of that repeatedly. And payplan say they have too. I'm getting nowhere with this, and with them adding that extra amount every month, it's getting out of control.

Daffykjs

But this doesn't sound like interest to me! Or is it? I'm confused by why this 'charge' they are adding on matches the difference!

Have you sent a letter in the form of an actual complaint?

Does the CCA have your signature on? I'm not sure if that's all that makes it enforceable, but it might be worth scanning it or copying the wording of it and posting it on here for people to tell you if it's enforceable or not. You have a much better position if the CCA is unenforceable!

One other thing, maybe you could speak to CAB and/or National Debtline. they might have more understanding of it.

DotNetter

Daffykjs wrote: »

But this doesn't sound like interest to me! Or is it? I'm confused by why this 'charge' they are adding on matches the difference!

Have you sent a letter in the form of an actual complaint?

Does the CCA have your signature on? I'm not sure if that's all that makes it enforceable, but it might be worth scanning it or copying the wording of it and posting it on here for people to tell you if it's enforceable or not. You have a much better position if the CCA is unenforceable!

One other thing, maybe you could speak to CAB and/or National Debtline. they might have more understanding of it.

Check whether the debt is enforceable. There is advice on this forum but you can also find out more at http://www.penaltycharges.co.uk/

Cheers,


Wayne

the_tooth_fairy

Hey Twitty, glad you're feeling a bit better,we put up our Xmas decs yesterday too. even though I could see Santa and his little helpers in Hell. Realised now I've always hated Xmas. but at least before I could spend money on nice stuff to mask the pain. Am not looking back though. Onwards and upwards, as they say. Bah Humbug!! At least there's a few days off work...

workinonit

Hello All, periodically check what's being said on here, a lot of it helpful. Only just signed up and posted in the CCCS thread.

Seems this might be where all the cool kids are though, so thought I'd say hello/ask my question here.

Been on DMP with CCCS for almost 3 years, all running smoothly, debts have about halved from over 30k.

Hoping in the Spring I might have some surplus cash to offer some F&F's.

I'm concerned about the implications if they get rejected - might they expect larger payments or take me off the 0% interest if they think I have some more money (I don't right now, but working on it!)

Also if they get accepted, is there a chance of a default being registered as part of the process? I have 1 from NW and 1 from Egg, but my other creditors - Marbles/HFC, MBNA, Barclaycard haven't as yet. Seeing as the others are coming up to 3 years old, I'm very keen do to start the 6 years clock on others.

any advice/experience in this situation.

thanks in advance.

mozzyc

Daffykjs wrote: »

But this doesn't sound like interest to me! Or is it? I'm confused by why this 'charge' they are adding on matches the difference!

Have you sent a letter in the form of an actual complaint?

Does the CCA have your signature on? I'm not sure if that's all that makes it enforceable, but it might be worth scanning it or copying the wording of it and posting it on here for people to tell you if it's enforceable or not. You have a much better position if the CCA is unenforceable!

One other thing, maybe you could speak to CAB and/or National Debtline. they might have more understanding of it.

HI Daffykjs

Have just phoned the national debt helpline. They advise sending lloyds the letter to take us to court over the debt due to their refusal to stop the interest. If they debt isn't passed onto there dca in the next month, this is going to be our course of action. This can't go on. On our statment, the £135 difference isn't even listed on it, which is why we went to lloyds, as we couldn't understand the debt going up. But were told to phone collections, as no one else but them can deal with it. The girl there said 'but it is going down, from this time last year its gone from 12000-11000' but then i told her 5 years ago when we took out the dmp, the debt was 12000. So hardly anthing has changed! And in 5 months, it's gone from 10000-11000!

kingston_2730

Hi I'm new to this and need some info/advice. I have been recommended a DMP by CCCS but the amount they feel we can pay is totally not achievable for us this is because the online budget did not allow for a lot of things that we have to pay out. They are recommending that we pay £2000 over 5 years. What I am wondering is, is it possible to pay less over a longer time?

ianmak

Kingston, you need to include every possible expenditure, otherwise you won't be able to realise how much you can pay out? Try the online thingy again with ALL expenditure to see what they suggest.