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

pure_dead_dopey

yup PPP you know you will eventually!!!

joking aside its not easy but it does work and there is alsways that little bit of consumer revenge going on!!!

Professor_Pat_Pending

pure_dead_dopey wrote: »

yup PPP you know you will eventually!!!

joking aside its not easy but it does work and there is alsways that little bit of consumer revenge going on!!!

You know me too well.

the-money-muppets

Hi all,

have popped onto the "orange-side" - lots of interesting stuff and think we may go for it, just waiting for some advice and how to start. Will keep ya all posted.

Mikon - did you take a peek?

muppets

Professor_Pat_Pending

the-money-muppets wrote: »

Hi all,

have popped onto the "orange-side" - lots of interesting stuff and think we may go for it, just waiting for some advice and how to start. Will keep ya all posted.

Mikon - did you take a peek?

muppets

On my mark, unleash hell...........................

Good luck. PP

mikon

Breaking News...........

I will update you all shortly but some great news that will prove if you put up the fight you will win.

Will be back soon..

Mikon

mikon

Here we go then....

As you all know sometime back NEXT handed my debt off to Moorcroft. I wrote to NEXT requesting them to explain why and also requesting certain documentation.

Moorcroft responded saying they were putting the account on hold and NEXT never responed, that was until saturday they emailed me to inform me of the following.

After checking your account I can see that a payment was credited to your account late and this resulted in your account being transferred to Moorcroft Debt Recovery. In light of this we have today requested that your account be retrieved from Moorcroft and an arrangement be reset on your account.

I can confirm that the CCCS can continue to make payments to ourselves and not Moorcroft.

Funny how if I had not challenged these people they would not have retrieved the account from Moorcroft. Now I am just waiting to see if the payment I made to Moorcroft in May is credited to the account. I feel another letter coming on seeking clarification of the o/s balance and possible compensation for mental stress. Need to ring CCCS to get them to amend the account again.

End of Breaking News

p.s Hope it was worth waiting for.

ljm23k

Debt-Regret wrote: »

This is another thread about it all.....

Water under the bridge now....

---> Message to Niddy, Trolls are you Ard Enough

The main reason, is my last post here: ---> https://forums.moneysavingexpert.com/discussion/comment/34428153#Comment_34428153

Wow, I had no idea....

ljm23k

mikon wrote: »

Here we go then....

As you all know sometime back NEXT handed my debt off to Moorcroft. I wrote to NEXT requesting them to explain why and also requesting certain documentation.

Moorcroft responded saying they were putting the account on hold and NEXT never responed, that was until saturday they emailed me to inform me of the following.

After checking your account I can see that a payment was credited to your account late and this resulted in your account being transferred to Moorcroft Debt Recovery. In light of this we have today requested that your account be retrieved from Moorcroft and an arrangement be reset on your account.

I can confirm that the CCCS can continue to make payments to ourselves and not Moorcroft.

Funny how if I had not challenged these people they would not have retrieved the account from Moorcroft. Now I am just waiting to see if the payment I made to Moorcroft in May is credited to the account. I feel another letter coming on seeking clarification of the o/s balance and possible compensation for mental stress. Need to ring CCCS to get them to amend the account again.

End of Breaking News

p.s Hope it was worth waiting for.

This is the way my next account was heading too, but I must have got in before the transfer happened. The payments are not going late either, CCCS told me that next was taking up to 6 weeks to cash cheques.

OTOH, maybe next were carping it that you were challenging them and they don't have a signed agreement?

londonfraggle

Hiya - hope everyone on here is fab and having a lovely sunny morning where ever you are.

I was hoping to get a bit of advice -

Since starting my DMP through a lot of hard slog I've been able to increase the amount I pay and have also managed to knock off one or two of the smaller creditors. The result being that, in theory, I am now paying ALL of my creditors over the basic contractual amounts. On the whole most of them don't seem to be kicking up much of a fuss (yet) about me "no longer being in financial difficulty" and therefore them no longer needing to stop/reduce interest.


However, just had an odd call with CCCS. There is a chance my OH will be made redundant in the next few months. I just wanted to clear my mind that should that happen I'd be able to reduce my DMP payment. Of course she said yes entirely possible. But she also said that, putting that issue aside, as I could now reach my contractual payments I should no longer be on a DMP. Eh?!?! I pointed out to her that a) when I started the DMP I could no where near reach the contractual payments and b) surely if I came off the DMP they'd just start whacking interest etc. back on, putting me right back to the start again.


In the end we left it as it is, as I need to see how things go with my OH's job, but I'm now concerned that at some point the CCCS are going to tell me I have to come off the DMP. This has frustrated me as surely anyone on a DMP will eventually reach the point (be it after 5 months or 10 years) where you are paying the contractual amounts.


Would be v grateful if anyone can tell me if it is indeed the case that once you are (in theory) able to reach your minimum contractual payments you should come off the DMP? I just have this fear that if I do indeed come off it I'll be back to square one and only just paying interest every month and never getting anywhere - AGAIN!!!

Thank you all v much - and have a fab day.


Fraggle x

pure_dead_dopey

Hi Fraggle

That would totally negate the effect of your DMP. I also had some very weird info from CCCS when on a DMP (don't feed your adult children!!!) and phoned back and spoke to someone more senior who told me that the person who'd given me the first load of muppetry had got it wrong. So I would call back, ask to speak to someone senior and get the right information. Loads of peeps must get to that stage with one creditor or other, we don't see loads of posts of wholesale DMPs being given up, so I think the person at CCCS is looking literally at the situation and not sensibly. Makes going on a DMP a pretty useless option if they do that. keep us informed though, its one to watch.