help with creditors

pie_man_2

hello i am new to this forum ,i have just entered into a dmp with pay plan in the process of being set up .have started geting phone calls from creditors demanding i pay arears only been a few days since i sent them a token payment ,they call me all day ,can anyone advice me what to tell them .thanks

Tixy

Welcome on board.

These calls should settle down in a month or 2. In the meantime when they call just give them your Payplan refernce number & don't discuss details with them - if necessary hang up.

There is a template letter to only deal with them in writing you could also send (amend where necessary)

Quote:

Your Street
Town
City
Postcode
DATE HERE

Company Name
Road
Town
City / County
Postcode


Dear Sirs,

Harassment by telephone

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only. Please note that the address for correspondence is that stated above and you are required to remove any and all other contact details from your system forthwith.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)


Yours faithfully,


(type don't sign)

pie_man_2

thanks for the quick reply .i am new and just decided to pull my head out of the sand ,can not tell my oh trying to sort it out my self

Tixy

Hi pie man - totally understand - a lot of people are too embarrased to tell their OHs & family, other want to tackle it because its their debt.

If you want someone to talk about things to there is always someone about on here who can listen and advise.

If you want advice on cutting back on costs etc you could post a statement of affairs (similar to your payplan budget) and we can look at where you can save money. This can mean you have a bit of extra room to save up outside the Payplan budget. In time you may want to use this to make reduced settlement offers against some of your debts.
http://www.makesenseofcards.com/soacalc.html

Good luck - it will get easier now that you have decided to tackle things.

pie_man_2

how long does it take to set up a dmp i have had my first contact on 1/05/09

DevonGirl

pie_man wrote: »

how long does it take to set up a dmp i have had my first contact on 1/05/09

It depends when you say you want to go ahead with it. I contacted CCCS a few times before I asked them to send me the pack for me to sign the agreement form. They won't push you into anything. They set things up when you're ready. I could have delayed my dmp for a while to sort things out but had reached the point of no return, financially speaking, so for me it took about 3 weeks to set up.

pie_man_2

two of my creditors keep on calling me all day ,capital one ,aegis {mbna} has anyone had good dealings with them