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

NittyGritty

oh i see lol, my mistake, it is possible do u know if you can post (letter) if anything as changed when its time for a review or does it have to be done by telephone?, also does anyone know how long the call lasts, and what they ask etc

pure_dead_dopey

I think CCCS like to do the reviews on the phone. They want to go through all of your budget and mine lasted about 30mins, mostly me arguing a couple of points I might add.

gabriella90

regret70 wrote: »

It's not a default it says if I don't pay they will recommend to their client that they take mr to court.it looks like a more formal letter than I have had before.

Hi ya love, try not to panic i'm sure i prob would if i received this letter but note the word 'recommend' it doesn't say they will.

for the size of the debt i'm sure they wouldn't try the court thing not worth their while

Chin up x

gabriella90

regret70 wrote: »

Thanks ted,I just bit the bullet and rang them!explained I am in a dmp with cccs.I made a token payment of £1 and he said he would put the account on hold for a month and wait for cccs to contact them.

Phew panic Over for now at least

Thanks so much for your quick replies

yey :jshould of read this before posting oops. i forget who i'm going to post to other wise lol.
X

Hopelessly_Hopeful

Happy weekend all

Sounds like scare tactics Regret, hold in there.

Pure glad you kept the amount the same. Remember the kids will be choosing your care home!

Teds any new Aldi advice?

Hope everyone is else is ok!

HH x

Professor_Pat_Pending

mikon wrote: »

Professor PP

Just thought I would update you on Citi wrote to them 3 weeks ago and still have not had a reply statement is due any day expecting interest charges to be approx £2,500 - £3,000 on a £12,000 loan. Contacted CCCS and they said that they must reply within 6 weeks I can report them to OFT.

Regards

Hi Mikon, heard absolutely nothing from them apart from a statement showing interest stopped, am sure as your DMP has started now they will do the same for you. PP

Professor_Pat_Pending

naomidavies wrote: »

hi all dont no if im on the right thread?

i am in contact with payplan dmp they sent me the forms of authority out i signed them and sent them back , i have nt heard nothing since , its been about 3 weeks does anyone know how long it takes to get the dmp started ?

thanks

Hi there, Payplan are normally very good at communication. I would call them on Monday if you can, am sure it will be fine.
It's normally around 4 to 6 weeks after you sign the authorisation forms that the DMP officially starts. PP

eyeopener2

Morning everybody

PaydayUK and the DC supposedly representing them (they are in fact the same people) are being difficult and refusing to deal to with CCCS still.

I've repeated my position that I deal with CCCS and nobody else so its become a game of ping pong, which is quite amusing because they realise they can't bully me as I said its CCCS until a court tells me otherwise, so they don't realy know what to do.

Question for anybody reading this.

Could someone point me to the debt collection guidelines that say that if the debtor works with a third party then the creditor should also work with the appointed 3rd party. If such guidelines exist that is!

Any help appreciated guys, I just want something to quote back at them cos i'm getting bored saying the same thing over and over again.

E2

Hopelessly_Hopeful

tedsd wrote: »

Eyeopener, lost track with what you have written to them but it's against OFT guidelines to refuse to deal with a 3rd party...not sure if you have included this in your letters?

OFT say an example of unfair method of collection = ' refusing to deal with an appointed third party'

Have you reported them or threatened to.? Sorry if you've done this already.


newbeginning is right, it will cost more to take you court than you owe them., so it's just plain daft to try.! Idiots.

eyeopener2 wrote: »

Morning everybody

PaydayUK and the DC supposedly representing them (they are in fact the same people) are being difficult and refusing to deal to with CCCS still.

I've repeated my position that I deal with CCCS and nobody else so its become a game of ping pong, which is quite amusing because they realise they can't bully me as I said its CCCS until a court tells me otherwise, so they don't realy know what to do.

Question for anybody reading this.

Could someone point me to the debt collection guidelines that say that if the debtor works with a third party then the creditor should also work with the appointed 3rd party. If such guidelines exist that is!

Any help appreciated guys, I just want something to quote back at them cos i'm getting bored saying the same thing over and over again.

E2

Morning E2

Teds knows about this. Sure she will be along soon HHx

Hopelessly_Hopeful

Ooooo suprised myself I found the guidance

Hope this helps http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

It's on page 6 .....

c. refusing to deal with appointed or authorised third parties, such as Citizens Advice Bureaux, independent advice centres or money advisers

d. contacting debtors directly and bypassing their appointed representatives

e. operating a policy, without reason, of refusing to negotiate with debt management companies

f. passing on debtor details to debt management companies without the debtors' informed prior consent

g. failing to refer on to the creditor reasonable offers to pay by instalments



HHx