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

eyeopener2

Well its in the DMP so I assume its administrative, just another debt now. If I can pluck up the courage I will ring. Gulp.

gabriella90

Hi all,

Hope you've had a good day, can you believe it the weather is carp here, rain, grey skies, made me feel like i was at home!!:p Feeling uber positive today went to watch rugby this avo after work with a little bit of sunshine then walked the pooch so feeling good.

Need to buy a car this month so my 1st wage packet is going to go !!!!!! but hey i need it. Ijust hope its going to be ok as its a 1994 banger they have nicknamed the leopard!:rotfl:

So hey eyeopener i don't think we have spoken before, seems like your DMP is going ok apart from Carp1, good luck with the phone call.

Andy D - good stuff with the interest being frozrn

Regret Brill about the £10 always a good thing. Have you had a look on the board for any deals BOGOF etc, if you sign to wagamamas or Cafe Rouge you often get moeny off in email. Have a nice lunch with you Mum.

Mamaj - YEYEYEYEYEYEYEYEY:j:j:jWell done Husband good stuff!

Bluesnapper Keep plugging away you'll get there. G out! hehe copying you:rotfl:

Vicb hope things are ok.

True if you think the gym membership is going to work and it makes you feel better go for it. If you can manage a run itunes have FREE running programmes to download. Also wow 10k in 3 yrs it'll be so worth it in the end.

Mikon Sorry no advice in citi haven't had to deal with them, you'll get there maybe send another letter in a few weeks.

Nataz totally agree with the default thing, apart from the fact no-one has defaulted me yet. i have arrangement to pay on my credit file so who knows how that is viewed.

Newbeginning how was the garden sunning yourself

Well think thats it hi Tedsd and anyone else.

Catch up soon byeeeeeeeeeeeeeeee xx

pure_dead_dopey

off to bed as am off on business trip at the ungodly hour of 5.30 tomorrow morning, won't be back until late Saturday, so be good and look after each other

PDDxx

mikon

Hi everyone the Citi saga has finally come to an end today. After 4 calls today my OH rang them.

The guy on the other end of the phone was threatening and intimidating and the conversation went something like this.

Listen pay us now and the calls will stop the interest will just accrue and you will owe us alot more than you did when you started.

My OH replied if I cannot pay the minimum now what chance have you got of getting the increased payment. To which he replied not my problem.

Listen if you don't pay us we will sell your debt on then you'll have a DCA chasing you and then your troubles will start. My OH replied that is up to you and benefits us because a DCA will stop the interst and charges.

He then went on to ask for our SOA she told him CCCS would be sending it and not to call again. He said he would call as often as he liked my OH said this is bordering on harrasement and the FSA and OFT would be interested. To which he replied you'll not get anymore calls and I will update the record.

My OH told him we want to pay our debt but cannot at the moment but will he replied thank you for your time we will await to hear from CCCS but the offer they make must reflect your debt or we will reject the offer. My OH said that is up to you but we will continue with the payments. If its not good enough then take us to court I am sure the judge would rule in our favour, to which he replied no that would not be necessary thank you for your time. We will wait for CCCS to contact us.

Absolute disgrace but I am very proud of my OH she handled it great and did not give an inch however you have to be strong.

Lets see how long they keep off the phone.

Regards

mikon

5 minutes since my last post. Guess what CITI have just rang. This is certainly bordering on harrassment. OH is upset about this as the children are in the room and are wondering what is going on.

mikon

Hi everyone anyone got any idea where the letter is that you send to these people giving them 30 days to remove your no. from their database or you report them to OFT & FSA.

Pretty stressful night

Nanny25k

Here you go Mikon! xx

Dear Sirs,

Account No: XXXXXXXX

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 and I now require all further correspondence from your company to be made in writing only. 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. Be advised that any further telephone calls from your company may be recorded and used in evidence and I expect this harassment to cease immediately.

Yours faithfully




Sign digitally

mikon

Nanny25K

Thanks for the letter why do i sign digitally?

Regards

Mikon

Nanny25k

So that they can't copy and paste your signature onto anything else - it's enough that you've sent the letter

ljm23k

mikon wrote: »

5 minutes since my last post. Guess what CITI have just rang. This is certainly bordering on harrassment. OH is upset about this as the children are in the room and are wondering what is going on.

Hi Mikon, not sticking up for the creditors but I think it takes up to 24 hours to update the records. I had the same thing with barclaycard, they said I would get no more calls but I got another 2 that day then no more and that was a couple of months ago. Also, my internet provider customer services were calling me twice a day and I could not be bothered with the "satisfaction survey" so I emailed and told them not to call. They said they'd update the records but again, I got another call or 2 that day, then none. So, its not just the ones you owe money to IYKWIM?