DMP Mutual Support Thread (Part 6)

massivedebts

Good Morning old and new fellow DMP'ers:j:j:j
I've not posted for a while, but trust me I read almost everyday and I still get the support from you guys on here to keep me going and to keep me so positive. :A

For those of you who don't know I started my DMP with CCCS on the 1st April and was PETRIFIED!!:eek::eek:
Just about to make my 5th payment and feeling great!! I have a shed load of debt, something like £68k or there abouts and a DFD of one million light years away!!:o:o

Yellowpinky - well done for getting to the stage you're at. It is a worry when you're first starting out that you've done things the right way. I too only sent my notifications 1st class and didn't sign them either and I remember wishing I had as everyone else seemed to have sent recorded delivery and were able to track their letters. Please try not to worry though.;)

Anyway long story short we have 9 creditors, all playing ball except for MBNA and VIRGIN of course!

DLB - Lovely to see you posting again! You were my inspiration on here back in january, I couldn't have done it without you. :A It is a credit to you that after all this time you still make an effort to come on to the thread and continue to give support to those of us who need it, you're a star.;)

Take care everyone, keep at it.

Even with all my debt I'm now at a place where some days I even forget I have any creditors!!:rotfl::rotfl:

MD xx

d1965

Can i join and have a number please :-)

mozzyc

Hi Everyone!!

Has anyone got any ideas on how to get Lloyds to pass on Debt (loan) to a debt collection agency, to get the interest stopped? I'm drowning in interest fees!!
Thanks!!

Been on DMP with payplan since 2005.

glitterlea

I have to make a token payment to my Tesco credit card for this month - does anyone know who I make the payment payable to, is it just Tesco credit card?

I normally pay online and don't receive a paper statement so I have no idea!!
x

glitterlea

glitterlea wrote: »

I have to make a token payment to my Tesco credit card for this month - does anyone know who I make the payment payable to, is it just Tesco credit card?

I normally pay online and don't receive a paper statement so I have no idea!!
x

Please ignore me as I've just found the answer to my question
x

glitterlea

.. but now I do have another question (sorry!) :embarasse

I'm due to make my first payment to payplan on 1st August. The 1st of the month is when my loan payment should be taken by Lloyds (I've cancelled the direct debit though) so my question is, should I make a token payment to Lloyds or should I leave it and then, when they contact me, tell them about my DMP and that payplan will be making the payment later that month?

Thanks (again )
x

dlb

glitterlea wrote: »

.. but now I do have another question (sorry!) :embarasse

I'm due to make my first payment to payplan on 1st August. The 1st of the month is when my loan payment should be taken by Lloyds (I've cancelled the direct debit though) so my question is, should I make a token payment to Lloyds or should I leave it and then, when they contact me, tell them about my DMP and that payplan will be making the payment later that month?

Thanks (again )
x

Hiya
If i were you i wouldnt worry about it, when they contact you explain about the dmp and that payment is on its way via the dmp. If you get an verbal from them hang up..simple as.;)

MassiveDebts so nice to hear from you, i was wondering how you were getting on. You sounds so possitive a different person to back in Jan...told you things do get better is just hard to belive at the start..but told you so! lol:D:D:D
I still pop on because i know what a god send this site was for me back at the start and if i can help just one person as a way of thank you its worth it.
Take care
Donna
xx

Daffykjs

Spoke to another imbecile at Natwest last night!! They really are trying my patience! basically they are still adding interest and charges to my over the limit (because of the charges) overdraft. the last nasty man i spoke to said he'd default my account and i got sent a letter. the guy last night was right when he said i hadn't read it because what it actually said was if i don't settle by end of the month i will be defaulted, not that i was being right now. hey ho, whatever! just do it already!

Anyway, they've been ringing me again and again for days now. home phone, leaving messages, don't mind that, i'm not there anyway, but the mobile calls annoyed me most, as i'd answer and there would be blank air!!!!!!! if you want to speak to me get a real person to ring! or leave a message! not phone me and say NOTHING! Drives me up the wall. and then when i tried ringing back that number i'd be put on hold (paying 0845 charges the whole time coz i'd had to ring them) for an age! so long that once THEY hung up on me! !!!!!!!!!!

Anyway, so last night i ring the number on the answer phone messages instead! and get to speak to a real person! And the thing that has really annoyed me more than these automated phonecalls is that the guy yesterday said they STILL hadn't received the info from payplan! Absolute b0ll0x! the second time they wrote and i phoned them back about payplan, the lady (annoyingly didn't get her name, why don't i learn) said maybe pp had the wrong address. and she confirmed the correct one and said to also try faxing it and confirmed the number!!

So the last time (4rsey man) i phoned pp right after to check they would send to that address and also fax, and phone them to tell the fax was coming! pp apparently did this (I have no reason to doubt, all other creditors seem happy enough). But yet yesterday's imbecile said there still was nothing received by them!!

So what the h3ll are they playing at??? are they just fobbing me off and in fact have the info infront of them? How do i get this info through to them if pp have tried every number, address and email address? or do i now not bother and wait to default and deal with the dca instead? they are my only problem in all this and are seriously winding me up!

Mozzy, try arguing with them??? that seems to have worked for me. just be obtrusive (but not rude) and stand your ground and keep repeating about payplan etc! and refusing to try their way! shame it's not natwest you are having problems with, i could give you the name of the guy who defaulted me!

Sorry for the long rant! feel much better now that's out my system!

And breathe!!

glitterlea

dlb wrote: »

Hiya
If i were you i wouldnt worry about it, when they contact you explain about the dmp and that payment is on its way via the dmp. If you get an verbal from them hang up..simple as.;)

Thank you.. I think I'll leave it then

spendaholic

MRSG2B wrote: »

I think with direct debits they need a certain amount of time to process the cancellation, so if you have a direct debit that was due to come out a few days after you cancel you would have been too late for this payment. Have a feeling this will probably be the case as I cancelled all mine through HSBC online banking and I didn't have any problems.

It doesn't matter. If the dd was cancelled, then even if they do pay it, or bounce it, they have to put the payment back and/or any bounce fee. It's the dd guarantee.

I did this with Barclays. The day before pay day I went through and cancelled every single dd online and transferred what I could to the new account, or printed them off to make sure I made the call to arrange the new dd. Barclays still paid the first one, bounced it, then charged me. They had to return the charge.