DMP Mutual Support Thread (Part 6)

icecube2009

cocker100 wrote: »

Hiya,


Have you sent a CCA request yet? If not, then I think now would be the best time to do so.

Cocker:)

what is a CCA request & would it help me too? my next debt has just been passed to DC. Thanks

cocker100

icecube2009 wrote: »

No i havent, i did try with my natwest bank charges as they were more than my overdraft but was turned down flat so hadnt bothered with lloyds, I am having a really tough time of it lately, job is awful, i feel physically sick every morning when I have to go (treat me like dirt!) but have to go as cannot afford not to, my dad dies a few months ago too and am suffering health problems (waiting for hospital appointment) so was pleased that all was relatively quiet on the debt front, but now feel like its all getting on top of me again

Nat West have a policy of refusing all bank reclaim appeals. I now bank with them and was told this by one of the advisors. You would need to send any appeal to the Financial Ombudsman Service. Read the new bank charges guide for further help.

I would try with Lloyds. After all, if you dont then you will never know. Again, if they so no then take it to the FOS. It is free and only costs the price of the stamp.

Sorry to hear about your Dad, hope things pick up for you soon. If you are getting depressed about your debt and it is affecting your health, I would write to them let them know. They would need to back off as per the OFT guidelines on debt collection.

Keep smiling, we all have some dark days. Remember it is only money and they cant have what you haven't got. Keep on chipping away at it and eventually you will see your debt free date getting closer, even if it seems light years away!

Cocker:)

icecube2009

cocker100 wrote: »

Nat West have a policy of refusing all bank reclaim appeals. I now bank with them and was told this by one of the advisors. You would need to send any appeal to the Financial Ombudsman Service. Read the new bank charges guide for further help.

I would try with Lloyds. After all, if you dont then you will never know. Again, if they so no then take it to the FOS. It is free and only costs the price of the stamp.

Sorry to hear about your Dad, hope things pick up for you soon. If you are getting depressed about your debt and it is affecting your health, I would write to them let them know. They would need to back off as per the OFT guidelines on debt collection.

Keep smiling, we all have some dark days. Remember it is only money and they cant have what you haven't got. Keep on chipping away at it and eventually you will see your debt free date getting closer, even if it seems light years away!

Cocker:)

i have seen doctor re the depression and she feels it is more to do with my dad dying, i think its just a combination of everything, I want to go self employed (childminder) but not sure how the CCCS would take this? and also cant do that until my health problems are sorted out, have a scan in a few weeks & may need a hysterectomy, so no good going self employed then needing 6 weeks off (although I dont get sick pay at work so its still a worry). Work treat me badly, I work for a nursery , I often work ten hour shift (8-6) with no break till late afternoon then it's just ten minutes, yesterday I had 8 under 2's on my own, when it should only be 3 under 2's to each adult! its physically & mentally draining!

cocker100

icecube2009 wrote: »

what is a CCA request & would it help me too? my next debt has just been passed to DC. Thanks

A CCA request or Consumer Credit Agreement request is made under sections 77-78 of the Consumer Credit Act 1974 to obtain the copy of the original credit agreement from when the account was opened.

You need to send a £1 fee with the request letter. Have a lok through the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=2071601

Yes, it will help you and will probably send the DCA packing!!!:D

Post a message on the above thread for more advice on this. Neverindoubt is the man for some excellent advice on this subject. He will be more than appy to assist you and will point you in the right direction for a suitable template letter.

Good luck!!

Cocker:)

cocker100

icecube2009 wrote: »

i have seen doctor re the depression and she feels it is more to do with my dad dying, i think its just a combination of everything, I want to go self employed (childminder) but not sure how the CCCS would take this? and also cant do that until my health problems are sorted out, have a scan in a few weeks & may need a hysterectomy, so no good going self employed then needing 6 weeks off (although I dont get sick pay at work so its still a worry). Work treat me badly, I work for a nursery , I often work ten hour shift (8-6) with no break till late afternoon then it's just ten minutes, yesterday I had 8 under 2's on my own, when it should only be 3 under 2's to each adult! its physically & mentally draining!

I can understand with the nursery job. My other half is a nursery nurse and she often has days like you. You need to research your rights with regards to the required rest periods. Do you not get a lunch break? She had similar problems at a previous place of work and contacted acas for advice. When the problem was raised with the nursery, it was sorted!

If they are understaffed and dont have the required numbers per child, then I think am anominous call to Ofsted is in order!!!;)

Cocker:)

icecube2009

cocker100 wrote: »

A CCA request or Consumer Credit Agreement request is made under sections 77-78 of the Consumer Credit Act 1974 to obtain the copy of the original credit agreement from when the account was opened.

You need to send a £1 fee with the request letter. Have a lok through the following thread:

http://forums.moneysavingexpert.com/showthread.html?t=2071601

Yes, it will help you and will probably send the DCA packing!!!:D

Post a message on the above thread for more advice on this. Neverindoubt is the man for some excellent advice on this subject. He will be more than appy to assist you and will point you in the right direction for a suitable template letter.

Good luck!!

Cocker:)

Thanks you very much for your help

icecube2009

cocker100 wrote: »

I can understand with the nursery job. My other half is a nursery nurse and she often has days like you. You need to research your rights with regards to the required rest periods. Do you not get a lunch break? She had similar problems at a previous place of work and contacted acas for advice. When the problem was raised with the nursery, it was sorted!

If they are understaffed and dont have the required numbers per child, then I think am anominous call to Ofsted is in order!!!;)

Cocker:)

I am suppose to get a half hour lunch break during a ten hour shift but dont always get it, often just ten minutes. dont get any other breaks & often go all day without a drink or toilet!
when I do a 6 hour shift (which is actually 6.5 as it starts at 11.45 & often ends at 6.15 I dont get a break. They are breaking the law i many places, only 20 days holiday not the statutory 5.6 weeks, closes due to bad weather we dont get paid, always out of staff;child ratio, i have rang ofsted but they werent that interested. i often turn up to work to get sent home again as I am not needed so dont get paid, and have just been moved to their other nursery so have an hour and a half travelling each was as opposed to 15 minute walk! I need to get out!!
Oh people have gone to the owner with thier 'rights' before only to be made redundant the following week or given no hours for a few weeks!!
when I leave i will be reporting her to 'everyone' but cant afford to loose my job or have my hours cut now!

icecube2009

cocker100 wrote: »

A CCA request or Consumer Credit Agreement request is made under sections 77-78 of the Consumer Credit Act 1974 to obtain the copy of the original credit agreement from when the account was opened.

You need to send a £1 fee with the request letter. Have a lok through the following thread:


Cocker:)

Is it also worth requesting a CAA with my other creditors?

scouselad1974

Hi

Thanks for the advice, is there a letter template around that I could send to Next letting them know that they do not require my signature to accept my plan, rather odd as they never asked for it when they originally agreed and I will point this out in my reply.

There is no way in this world that I am signing .

scouselad1974

icecube2009 wrote: »

O I just looked at the site, and found the DMP log in bit, didnt realise I could do this! thanks

No problem, you can keep an eye on your balances etc using the online service and you can email CCCS direct for advice, they usually reply within 24 hours during the week.

Like you my plan was going great for 10 months and now everyone seems to be playing up I suppose they are bored of accepting low repayments. Most have accepted again though.