DMP Mutual Support Thread (Part 6)

ianmak

To be fair, if you answer the phone, the calls normally stop. I've been honest from the start, and as long as you can handle a few frosty people on the phone (the majority, including Northern Rock when I rang them the other day have been lovely to talk to), they are fine.

They just want their money, and if you don't answer the phone or communicate, they just think you're ignoring them, regardless of the letters you send them. We all know the departments don't speak to each other...

Oh, and if they ask for more money (on top of what you're paying them), don't give it to them!

pure_dead_dopey

ianmak wrote: »

To be fair, if you answer the phone, the calls normally stop. I've been honest from the start, and as long as you can handle a few frosty people on the phone (the majority, including Northern Rock when I rang them the other day have been lovely to talk to), they are fine.

They just want their money, and if you don't answer the phone or communicate, they just think you're ignoring them, regardless of the letters you send them. We all know the departments don't speak to each other...

Agree totally Ianmak, I have spoken to HBOS and Lloyds, both of whom said that they needed to speak to someone before they agreed to accept the DMP. Both set up repayment plans and stopped/reduced interest, and this happened. Frankly, I would speak to the devil to get it sorted and they are only people, and I am still a customer :o

thestealer

Well, today was a bite-the-bullet day. All paperwork was sent to CSSS, 10 £1 postal orders were sent to each creditor. I guess that's the point of no return

I have a strange feeling I've never experienced before...a weird mixture of relief and apprehension.

There is a part of me that can't help thinking I've replaced one set of shackles with a different set of shackles, at least this new set of shackles has a time-release lock. That analogy sounded better in my head :rotfl:

skintoflinto_2

Well done, thestealer. We're one step behind you. CCCS counsellor ringing on Monday. All details given yesterday. We feel relieved at the mo but a bit scared about the creditors hounding us. Have you found that CCCS have left you with a 'reasonable' amount of cash to live on? At the moment we've got Jack S*** left so any more than that will be great!

scouselad1974

ianmak wrote: »

To be fair, if you answer the phone, the calls normally stop. I've been honest from the start, and as long as you can handle a few frosty people on the phone (the majority, including Northern Rock when I rang them the other day have been lovely to talk to), they are fine.

They just want their money, and if you don't answer the phone or communicate, they just think you're ignoring them, regardless of the letters you send them. We all know the departments don't speak to each other...

Oh, and if they ask for more money (on top of what you're paying them), don't give it to them!

Hi Ian

I have spoken to Halifax today and explained my situation to them, and to be fair the lady I spoke with was really nice about it, the problem I have is that I was told by this lady that Halifax will not set up an arrangement without proof of my income, now CCCS set up the original agreement 6 months ago and Halifax accepted without a problem. I don't know if CCCS send proof of income with their proposals but they insist that I should not send this, as they have already given Halifax everything that they require electronically last week. Halifax are saying that they haven't received anything from CCCS, CCCS have told me today that it normally takes around two weeks for information to get to the correct department.

The Lady I spoke with today has taken my number off their automatic dialer, for the next 15 days until an arrangement is in place. Now on my arrival home from work tonight I was greeted by a letter from Halifax stating that my number was removed from their dialer on 2nd March, yet I am still receiving calls today, so who is telling the truth.

I am sure that this will get sorted out in the end, as I want to pay Halifax, but I can't give them what I haven't got and I am also wondering how this can be avoided every 6 months, should I write to them one month before my plan ends to alow them a full month to set up a new plan.

Thanks in advance

thestealer

skintoflinto wrote: »

Well done, thestealer. We're one step behind you. CCCS counsellor ringing on Monday. All details given yesterday. We feel relieved at the mo but a bit scared about the creditors hounding us. Have you found that CCCS have left you with a 'reasonable' amount of cash to live on? At the moment we've got Jack S*** left so any more than that will be great!

With a bit of budget tweaking I'm going to be slightly better off on a month to month basis by a few pounds...so, no, not really

As a proud Scot, being thrifty actually comes quite naturally so I'm not too worried, it's actually got me thinking about how the debt accumulated and it was a combination of lack of communication, blind ignorance and robbing Peter to pay Paul.

What's REALLY galling is I have bu**er all to show for it! No, 50" flat screen telly, no surround sound hi-fi system, no fancy Jag on the driveway, no memories of 6-week breaks in Honolulu...just food, household essentials, shoes for the kids etc. scary really.

lozzam

scouselad1974 wrote: »

Hi Ian

Halifax are saying that they haven't received anything from CCCS, CCCS have told me today that it normally takes around two weeks for information to get to the correct department. I had this problem with a couple of creditors (Lloyds was worst). When they claim not to have received anything it is worth asking them if they have a backlog - they usually own up, so then you can ask them to hold off for a few weeks.

I am sure that this will get sorted out in the end, as I want to pay Halifax, but I can't give them what I haven't got and I am also wondering how this can be avoided every 6 months, should I write to them one month before my plan ends to alow them a full month to set up a new plan. It may work, but in my experience, 6 months can mean anything from 3 to 12 months before they redo the plan, so if you send details after 6 months, they may want it again a few months later. Can't hurt though.

Good luck.

scouselad1974

Hi

Thanks for your reply, I see where you are coming from

ianmak

Same as Lozzam, NR said to me (after I told them they should have received my updated FS), that it can take a while to get through. The chap on the phone asked if I (or PayPlan) could send it through again.

ianmak

thestealer wrote: »

What's REALLY galling is I have bu**er all to show for it! No, 50" flat screen telly, no surround sound hi-fi system, no fancy Jag on the driveway, no memories of 6-week breaks in Honolulu...just food, household essentials, shoes for the kids etc. scary really.

Same here, I blame buying a property on my own, borrowing at almost 4 times my salary (Not all my fault, they agreed that amount!). I think even if I could have budgeted like I can now I would have struggled...