cca x 4

never-in-doubt

OHNOANOTHERDFW wrote: »

omg....I iwsh I had done this 2 years (and about £6.5kto mbna) ago.....

anyway, I have a 4th account, but as yet they havent replied to my request sent on 19th March, we have had easter and the others only arrived on friday - saturday, so I think I should wait rather than send the non reply letter just yet?

finally on the letter you gave, where you say sign digitally, is it ok just to type my name, or do you mean somehow to scan in a signature (sorry if this is a daft question)

thanks

Ok, you do not send any letters yet, just sit tight until the 4th arrives. It will have the same outcome, MBNA are one of the worst.

Regards to siggy, just change the text sign digitally to your name so your name replaces that text - any fancy font-type will do. You don't sign things cos they will cut/paste it onto agreeements lol - yea, they do do such things

Obviously, you need to stop payments as well. Effective immediately on these two accounts, but if you're dropping the DMP anyway, its no big deal.

DarkConvict

Just type in your name on the computer.

OHNOANOTHERDFW

thanks guys, I will phone CCCS tomorrow and ask for my dmp funds back, and no creditors to be paid, and then make the payments direct this month for those that need paying (including the initial MBNA one which was taken out may 07)

at the end of the day, even if they start to add interest on to the account which is enforceable by way of punishment - I will be able to effectively increase my monthly payments by circa 600% on this one, so will clear it in about 6 month's....

will send letters recorded delivery tomorrow AND hopefully update with the 4th agreement



thank you both and goodnight

DarkConvict

Don't rush, dont change anything in your DMP yet. Get the information and facts straight with the 4 creditors before making your decision. You don't want to have creditors floating in the air and the DMP ended.
Reduce stress, don't increase it.

never-in-doubt

OHNOANOTHERDFW wrote: »

will send letters recorded delivery tomorrow AND hopefully update with the 4th agreement



thank you both and goodnight

Nooooo - await the 4th before any letters get sent! Just sit tight on that front for the time being ok?

never-in-doubt

DarkConvict wrote: »

Don't rush, dont change anything in your DMP yet. Get the information and facts straight with the 4 creditors before making your decision. You don't want to have creditors floating in the air and the DMP ended.
Reduce stress, don't increase it.

He already said he had to drop out of DMP, so easy to change to PayPlan after all this is sorted, but I agree - not to rush!

OHNOANOTHERDFW

Hi, its just that I know that after about the 14th of the month, cccs start paying the creditors and i thought I would try to avoid wasting a months payments on these agreements

on the 2 agreements, they will pay about £195 and on the 4th one which we dont have yet perhaps another £75, so just thought better to get the money in my hands, rather than the creditors

of my 9 debts, 1 is about to be paid (awaiting confirmation in writing re full n final, 2 are outside of DMP...so of the 7 left, 1 is for less than £500 and could be paid tomorrow, and 2 perhaps 3 will need to come out becuse of uneforceability, so I think i will definitely leave cccs and deal direct - relying on payplan as a back up if needs be

BUT I will take your counsel (you are real experts) and see what the postman brings!

thanks again

never-in-doubt

OHNOANOTHERDFW wrote: »

Hi, its just that I know that after about the 14th of the month, cccs start paying the creditors and i thought I would try to avoid wasting a months payments on these agreements

thanks again

Being you put it like that, ok - proceed and cancel the DMP - do it asap!

OHNOANOTHERDFW

:T1st thing tomorrow am, I will cancel the DMP and ask them to refund me the money that in there

thank you again!

(ps he is a she)

never-in-doubt

OHNOANOTHERDFW wrote: »

(ps he is a she)

Oooer, sorry