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

mikon

Professor Pat Pending

I have not heard anything from them and I am not ringing them.

Question for All

Has anyone received their password for their CCCS account so they can access it online. How long after receiving the Welcome Pack did you receive it? I have not received mine I might mention it on Monday.

Regards

mikon

Professor Pat Pending

Sorry for asking who has raised your interest?

Regards

Professor_Pat_Pending

BoS accepted the DMP for all 3 cards, but raised the interest to 12.6% from 6.9%, it's gone to some appeals dept now?

ljm23k

mikon wrote: »

Professor Pat Pending

I have not heard anything from them and I am not ringing them.

Question for All

Has anyone received their password for their CCCS account so they can access it online. How long after receiving the Welcome Pack did you receive it? I have not received mine I might mention it on Monday.

Regards

I think it took a couple of weeks after the welcome pack but until the first payments go to your creditors, there's nothing to see. Even when you have paid them, it doesn't show until it has been distributed IYKWIM?

mikon

Professor_Pat_Pending wrote: »

BoS accepted the DMP for all 3 cards, but raised the interest to 12.6% from 6.9%, it's gone to some appeals dept now?

How strange

Here is a section from the Lending Code which all Banks have signed up to. I have highlighted the section that BOS should be looking at. Good job we did not adopt their attitude when they were in financial difficulty last year.

Under guidance issued by the Lending Standards Board, lenders will consider reducing or freezing interest and charges. Lenders will also accept token payments where appropriate.

Section 157 of the Lending Code November 2009 states that where a not-for-profit debt advice agency has formally notified a subscriber that the customer is in serious discussion with them on a draft debt repayment plan then the subscriber should suspend collections activity related to the customer’s current account, credit card and/or unsecured personal loan while these discussions continue, provided that they are concluded within 30 days.


The Ministry of Justice has been working with the British Bankers' Association (BBA) and the Consumer Credit Counselling Service (CCCS). Justice Minister Bridget Prentice said “firms should consider reducing or stopping interest and charges when a customer provides evidences that they are in financial difficulties.”

mikon

ljm23k wrote: »

I think it took a couple of weeks after the welcome pack but until the first payments go to your creditors, there's nothing to see. Even when you have paid them, it doesn't show until it has been distributed IYKWIM?

What is IYKWIM ??????????

ljm23k

mikon wrote: »

What is IYKWIM ??????????

if you know what I mean!!

andyD_2

Hi all, just home from work thought I'd give you a quick update.

DS is doing well no real change yet though. He is very hyper from the steriods practically bouncing of the walls!!!!!!! have to go wake him up now to take medicine, he has to take it every 6 hours! got him an eye patch today (the taping didnt go to well) but he is happy with the patch and wants to wear it all day so I guess mission accomplished.:j

Nothing to report dmp wise havnt really been paying much attention to it past couple of days with everything, although I did phone tax credits today and finally put in my figures and also informed them about hubby's cut in hours so hopefully a bit more coming from there, she couldnt tell me today what my new payments would be but I have gone online and filled out the questionnaire and reckon we should get an extra £40 or so a week, every little bit helps.

Thanks again for all your kind words and hugs for son very much appreciated, catch up soon.

Have a good weekend all.

gabriella90

Hi all, 3rd time lucky computer is being a divvy!

:wave:

Seems like lots of you are starting to make headway with the creditors well done Mikon, eyeopener and regret.

Hi Andy sorry to hear about your son and husbands job. Glad son is feeling better hopefully hubbys job will pick up or he can get something somewhere else to fill in. Sending you a steaming hot mug:coffee: for you this morning and a dodgy :grouphug: hehe!

Hows the rest of you Nanny, mammaj, nataz, ljm23k, ppp, and pdd? Are you guys up to much this weekend i'll send you all some sunshine. How cool is this i get bank holiday off as well but the OH is at work so hopefully low spend weekend coming my way. Off to walk the dog for free freshair.

Speak soon :j Off for a coffee head is little sore after a couple of glasses of wine, i can't drink anymore

pure_dead_dopey

Morning All
Not very sunny here at the moment, going to a barbeque later so hope it brightens up.

Not a lot to report on the DMP side, If you haven't had your password through from CCCS, and you can't wait to get in and have a look around, if you click on forgotten password, they'll send a new one by email right away and then you are off!!!

Small problem with Amex yesterday, CCCS appeared to be paying wrong people, involved 40 phone call to Amex with the WORST music, now sorted but not endeared to Amex customer services, who when I was a proper customer were always very good, do you think they deliberately treat debtors worse??? again not that endearing, just gone up the queue to be CCA'd!!!!!