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

eyeopener2

Thank you guys

mikon

Professor_Pat_Pending wrote: »

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

Hi Professor PP

I am expecting a statement next week so I will wait and see. In the interim the Financial Ombudsman has contacted me and advised that I give the 8 weeks to respond then make a formal complaint via the FO. The British Banking Authority has wrote to them on my behalf as they are subscribers to the Lending Code of Conduct so I hope this will resolve the matter or at least when the statement is received next week the interest has stopped.

Will keep you updated. Fingers crossed.

Regards

Mikon

gabriella90

Hi guys
How you holding up Regret, anymore news?

Quick question for you, Virgin/MBNA is one of my creditors and was still able to log in to my online account and check the statements make sure it was being paid, checking the balance was coming down etc and now it says i cannot view because of the status of my account. Has anyone else had this ? I'm wondering if defaults are now afoot and its moved to their in house collections or a DCA.

Kind of worried now.

Hope your having a good weekend?

g x

eyeopener2

gabriella90 wrote: »

Hi guys
How you holding up Regret, anymore news?

Quick question for you, Virgin/MBNA is one of my creditors and was still able to log in to my online account and check the statements make sure it was being paid, checking the balance was coming down etc and now it says i cannot view because of the status of my account. Has anyone else had this ? I'm wondering if defaults are now afoot and its moved to their in house collections or a DCA.

Kind of worried now.

Hope your having a good weekend?

g x

Hi Gabriella

This has happened to me as well. I haven't had any communication from Virgin/MBNA since they accepted the DMP so i'm assuming this is just procedure. Maybe our accounts are officially closed now? I'm not sure.

E2

Hopelessly_Hopeful

Morning all

Quiet around here. I generally only get times to post at weekends but appreciate some of you choose to go as dmp free as possible at weekends!

tedsd wrote: »

Hi HH, no afraid nothing new on the Aldi scene, unless you can count the new packaging on their chilli and red pepper crisps :rotfl:

Hope you are ok

Ted

ps thanks re OFT guidelines...this thread could do with it's own little info library as things come up....

Welcome. Am paying a trip to Aldi this week, wondering if I can stretch to the slow cooker on Thursday. Trying to do more pot meals that freeze well!

mikon wrote: »

Hi Professor PP

I am expecting a statement next week so I will wait and see. In the interim the Financial Ombudsman has contacted me and advised that I give the 8 weeks to respond then make a formal complaint via the FO. The British Banking Authority has wrote to them on my behalf as they are subscribers to the Lending Code of Conduct so I hope this will resolve the matter or at least when the statement is received next week the interest has stopped.

Will keep you updated. Fingers crossed.


Regards

Mikon

Well done Mikon.

gabriella90 wrote: »

Hi guys
How you holding up Regret, anymore news?

Quick question for you, Virgin/MBNA is one of my creditors and was still able to log in to my online account and check the statements make sure it was being paid, checking the balance was coming down etc and now it says i cannot view because of the status of my account. Has anyone else had this ? I'm wondering if defaults are now afoot and its moved to their in house collections or a DCA.

Kind of worried now.

Hope your having a good weekend?

g x

I can't log on to my MBNA, they dropped my interest to 9.9% though. Preditors have an obligation to provide you with a statement every so often. It may only be twice a year. Does anyone know? Hope you get sorted G

HHx

gabriella90

Hey Eyeopener and HH,

Yes the last communication i got from them was accepting the DMP, I think i'm just going to give them a ring just to check if anythign is on the move. Have a had a fairly good No spend weekend just 10 squidly do's! ! more week until payday YESSSSSSSSSSSS!!

x

regret70

Hi gabriella thanks for thinking about me, hope you are getting on okay. No news really just a letter from dca for the aqua cc, I had already advised them of my dmp and they are waiting to hear from cccs. No more contact from anyone else though.

Have had a busy weekend, drove Friends to the three peaks challenge, was awake fr 44 hours and had 2 hours sleep! Went to Scotland Wales and england in 24 hours and ou spent £15,not too bad and feel like I e had an adventure

mikon

Afternoon everyone.

Hope all my DMP friends are well and the postman has been good to you all.

Speaking of postmen, he delivered another default notice to me today. So the file is getting rather big.

Best Wishes.

newbeginning_2

Mikon - loving the carefree attitude! Defaults- PAH!

mikon

Newbeginning

Well what can one do. Bigger fish to fry. I like how they finish the letters off "this may affect your ability to obtain credit in the future" as if I want credit. What it should say is "this will stop us from screwing the maximum amount of money out of you in the future." Just imagine if the majority of people started to get defaults and could not get credit. I bet you would see the rules relaxed and banks would be lending money irrespective of your credit rating as we have just seen with the toxic mortgage market.

So Defaults cannot do anything about them so filing is the best solution.

Regards