Had my first phone call today!! (update)

Charlie1986

Think I spoke a bit too soon about only getting one phone call Lloyds keep phoning me everyday now, at various times, even though I won't answer their security questions and inform them I will only deal with them by post. They did tell me today they were ringing to help me regarding my bank account with them, I don't have a bank account with Lloyds . The guy on the phone got quite angry when I informed him of this and told me I was breaking the law by not answering his security questions and I did infact have a bank account with them :rolleyes:
On a brighter note I managed to sell quite a bit on Ebay and have almost cleared 4 of my smaller catalogue debts, they should all be gone by next month :T. I have also closed 4 credit card accounts, the available credit on them was 10k+ :eek:.
I've filled out a few job applications this past week, but haven't really been into it as much as I should. Will try harder with that next week

---

Recieved a phone call from next today requesting I pay the minimum amount. I explained to the lady it stated in my letter I was awaiting an appointment with CCCS and only wanted to be contacted by letter. She told me they had never recieved a letter, quite funny as they cashed the postal order that was with it! She has put a note on my account now
I have also recieved a letter from Lloyds stating that if I don't pay in 7 days they will pass it over to collections, a letter from littlewoods/additions saying they won't accept my payment and to phone them...... Do I just leave these until my appointment on Tuesday?

symikins

Charlie1986 wrote: »

Recieved a phone call from next today requesting I pay the minimum amount. I explained to the lady it stated in my letter I was awaiting an appointment with CCCS and only wanted to be contacted by letter. She told me they had never recieved a letter, quite funny as they cashed the postal order that was with it! She has put a note on my account now
I have also recieved a letter from Lloyds stating that if I don't pay in 7 days they will pass it over to collections, a letter from littlewoods/additions saying they won't accept my payment and to phone them...... Do I just leave these until my appointment on Tuesday?

hello charlie :wave:

congratulations , you are now a fully fledged member of the black hole and threat-o-matic club :grouphug:

someone will be along v soon to help you deal with all of this , meanwhile sit back , have a beer + enjoy the fun that awaits:beer:

symikins

hi charlie
just to add , that l was with cccs for 3 yrs and they take a lot of strain off of your re - payments arrangements ect, ...and creditors take more notice and have respect for cccs + the like , unfortunatly , now im unemployed they cannot help me as l have no income as such ,
but its all managable , l was soooooo scared when l first started all this dmp stuff , but as l said earlier , this site has so many people to help you and make you feel in control , your here now .... and thats the best move you could have made .... trust me you,ll b fine

Deep_In_Debt

It's up to you.

I spoke to all of my creditors just once to explain that I was going on a dmp with CCCS, that they would hear shortly from CCCS, gave them my CCCS ref number and said that I was not prepared to enter into any further conversations with them and left it at that.

Made me feel better as I had told them my situation and told them that I wouldn't answer the phone if they rang - so I didn't feel guilty when I did ignore the phone.

Deep_In_Debt

I'd personally leave it until you've had your appointment and then you will have a ref. number to give the creditors.

Good luck.

SeaThreePeeO

Hi Charlie

It does get better. We've been on a DMP with CCCS for over a year now. Some creditors were a complete pain at first, but once they realised that I wasn't going to be bullied into paying more the shut up. I do get the occasional call or txt message, but I calmly explain that I am on a DMP and then end the conversation.

You can send a letter to your creditors requesting they no longer contact you via the phone

GeorgeUK

I agree, wait until you have had your meeting with CCCS before doing anything. You'll probably get more calls, but just keep asking them to communicate in writing only - refuse to answer any security questions and they shouldn't be able to discuss your account.

There are letters available to try to stop the calls, but i think you should wait until you know what you're going to be doing before sending those.

Have you posted up a SOA on the board incase we can offer some advice as to possible areas you can make savings?

Ames

Do you have a CCCS reference number yet? I got mine while I was waiting for the phonecall, although it was about 3 years ago so they might have changed things. If you do just tell it to the creditors, mine backed off.

Charlie1986

I have a reference number and have wrote to all my creditors explaining that I have an appointment and will only be paying a token payment till then and then take it from there.
Just wondered what I need to do with the letter's saying they have refused the token payments and I need to pay now. I can't pay anymore now .
The phone calls don't bother me, I don't get bullied by them easily and will just hang up if needs be .
It's good to know other's here are in the same situation, i'm just glad i'm getting it sorted before it gets any worse.

Eupho

symikins wrote: »

hello charlie :wave:

congratulations , you are now a fully fledged member of the black hole and threat-o-matic club :grouphug:

someone will be along v soon to help you deal with all of this , meanwhile sit back , have a beer + enjoy the fun that awaits:beer:

:rotfl::rotfl::rotfl:

Ames

I'd ignore them. They wont have time to do anything before you have your appointment, and when CCCS get in touch with them it'll be out of your hands anyway.