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Without a paddle... support for anyone starting a DMP in 2010 (part2)

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  • pure_dead_dopey
    pure_dead_dopey Posts: 2,215 Forumite
    ah the joys Eyeopener, they are actually just winding you up!
    More than Two Years in

    Doing it the Niddy way:j:j:j

  • eyeopener2
    eyeopener2 Posts: 1,783 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Barclaycard this mornin at 8am

    "Eyeopener, you owe us money, cough up"

    Me..."I havent got it and I am on a DMP with CCCS as I stated yesterday, the day before and the day before that."

    Barclaycard..."Oh I will make a note of that"

    Barclaycard at 12-30.

    "Eyeopener you owe us money cough up."

    "I'm on a DMP with CCCS."

    Barclaycard

    "Oh I will make a note of that."

    Barclaycard at 4-40.......

    Bet you can't guess what they said.
    I'm Debt Free :j 2/09/2013
    Debt at LBM 30/04/2010 £24,109.38,
  • mamajojo
    mamajojo Posts: 630 Forumite
    eyeopener2 wrote: »
    Proof that Credit Cards companys left and right hands ignore each other.

    I had a letter from MBNA saying they were accepting the DMP and reduced payment amount through CCCS.

    That was yesterday.

    Today.

    I had a letter from CCCS saying that MBNA had refused their offer of payment as it was too low (same amount as the MBNA letter).

    Nevermind, I will carry on regardless. CCCS said to ignore them anyway and they will just pay the offererd amount.

    I think MBNA are doing this just to wind me up.

    This is very normal MBNA I have gathered, same happened to both DH and myself, and seen it in other peoples posts and when I phoned CCCS about another one of my creditors doing the same thing they said that's unusal its usually mbna! Both letters came on the same day for us both. They'll have accepted! I'm thinking as long as the interest says zero they can send me any letters they like!
    DMP mutual support thread member 371
    LBM Jan 2010
    DMP Paddle No 2
  • mamajojo
    mamajojo Posts: 630 Forumite
    Whether it cost 59p or 50p it'll no doubt go manky on the fruit bowl before I can be bothered cutting it up.
    DMP mutual support thread member 371
    LBM Jan 2010
    DMP Paddle No 2
  • mamajojo
    mamajojo Posts: 630 Forumite
    tedsd wrote: »
    Mama, losing track, have all your creditors now frozen interest?

    We are having trouble with Santandurrr, say they have and will but haven't yet and should have done according to them on this months statement. Also two little ones Next and Vertbaudet £100 balances, looking back should have done tokens for another month to get rid of them - paying near the minimum or the minimum haven't either. But the 10 other biggies have at the moment! Are you stressing about yours Ted?
    DMP mutual support thread member 371
    LBM Jan 2010
    DMP Paddle No 2
  • mamajojo
    mamajojo Posts: 630 Forumite
    :mad:DH doing this:mad: best go and join in bathtime!!!
    DMP mutual support thread member 371
    LBM Jan 2010
    DMP Paddle No 2
  • mikon
    mikon Posts: 638 Forumite
    eyeopener2 wrote: »
    Barclaycard this mornin at 8am

    "Eyeopener, you owe us money, cough up"

    Me..."I havent got it and I am on a DMP with CCCS as I stated yesterday, the day before and the day before that."

    Barclaycard..."Oh I will make a note of that"

    Barclaycard at 12-30.

    "Eyeopener you owe us money cough up."

    "I'm on a DMP with CCCS."

    Barclaycard

    "Oh I will make a note of that."

    Barclaycard at 4-40.......

    Bet you can't guess what they said.

    Eyeopener2

    Funny how these Banks operate. I contacted BC and told them of my situation and asked for my number to be removed from my accounts and not to contact me by phone and they agreed. They also put my account on hold no interest/charges for 30 days so that would give CCCS time to set up the DMP. They were very understanding and obliging. I even rang them again once I got my DMP ref No. and they logged my details and even told me that the system had been updated. If only everyone got this level of service. It obviously depends on who answers the phone but insist that your tel no is removed.

    Keep your chin up together we will beat them.

    Regards
    Mikon Riding the DMP Rollercoaster full of ups and downs but i will get to the end. :T
    LBM April 2010. DMP Start June 2010 - 11% of debt paid at June 11 to 11 creditors
    DFD In the Far Far Distant Future.
    :j
    DMP Mutual Support Thread No: 410 / DMP Without a Paddle No: 30
  • mikon wrote: »
    Morning Everyone,

    Not be online for a few days so still catching up with the threads. The past week has seen my postman working overtime the mail has been continuous.

    Need an answer to a question.

    Most of the creditors have said they will suspend my interest charges some said they would but have not 2 in particular

    M & S Money & CITI CC. I owe Citi CC £12,000 and they have cashed my £1 token but charged me £386 interest and charges and now want a monthly minimum payment of £1424 next which is not payable so what will the charges be next month. M & S Money have charged interest also.

    Question Will I be able to claim these charges back once the DMP is up and running? If not these type of charges/interest are compounding the problem. This is a big worry as the period of time it takes me pay off my debt.

    Has anyone experienced these problems.

    Any help much appreciated.


    7 out of my 8 creditors have accepted my DMP almost immediately except Citi. They are at present claiming not to have received my offer from Payplan, in fact they say they have heard nothing at all from Payplan!!!
    They are strange , very unpredictable.
    On a positive note MBNA have accepted and immediately frozen all charges and interest, from reading other posts on here it would appear they are regularly doing this at the moment.
    Awaiting news on interest from Egg and HBOS, some calls to make methinks next week.
    Am not sure if you can claim back interest and charges before you start the DMP Mikon. I got clobbered on tokens as well, but £386 for one month is appalling and outrageous, speaking to Citi and the CCCS is all I can recommend.
    PS, there are also issues with Citi's address, Payplan have them down as Salford Quays, whilst Citi told me they use a London address for their collections department, all very confusing!!! PP
    LBM Jan 2010. DFD 2016. :think:
    Paddle No. 5.
    Debt at DMP start (May 1st '10) £54.9k, as of 1st Oct '11 £33.2k. 40% cleared.
    (3 F & Fs down, 5 to go!) :T
  • mikon
    mikon Posts: 638 Forumite
    7 out of my 8 creditors have accepted my DMP almost immediately except Citi. They are at present claiming not to have received my offer from Payplan, in fact they say they have heard nothing at all from Payplan!!!
    They are strange , very unpredictable.
    On a positive note MBNA have accepted and immediately frozen all charges and interest, from reading other posts on here it would appear they are regularly doing this at the moment.
    Awaiting news on interest from Egg and HBOS, some calls to make methinks next week.
    Am not sure if you can claim back interest and charges before you start the DMP Mikon. I got clobbered on tokens as well, but £386 for one month is appalling and outrageous, speaking to Citi and the CCCS is all I can recommend.
    PS, there are also issues with Citi's address, Payplan have them down as Salford Quays, whilst Citi told me they use a London address for their collections department, all very confusing!!! PP

    Outrageous is an understatement. I am going to ring CCCS on Monday about CITI. The address I am writing to for CITI is

    Citi Cards
    CITI Financial Europe PLC
    PO Box 49920
    London
    SE5 7ZF

    They are thieving Ba*****s. I am thinking of reporting them to the FSA how do they expect people to get out of debt when they apply these type of charges.

    Regards
    Mikon Riding the DMP Rollercoaster full of ups and downs but i will get to the end. :T
    LBM April 2010. DMP Start June 2010 - 11% of debt paid at June 11 to 11 creditors
    DFD In the Far Far Distant Future.
    :j
    DMP Mutual Support Thread No: 410 / DMP Without a Paddle No: 30
  • That's the address they gave me whilst Payplan have a Salford Quays address, good luck mate. Let us know how you get on. PP
    LBM Jan 2010. DFD 2016. :think:
    Paddle No. 5.
    Debt at DMP start (May 1st '10) £54.9k, as of 1st Oct '11 £33.2k. 40% cleared.
    (3 F & Fs down, 5 to go!) :T
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