When to start to enforceability letters?

lookingforthelight

Hi,

I will soon be arranging an appointment with CCCS and expect to go down the DMP road (a very long road).
I already have recent defaults and wondered if I should start asking for CCA's before I sign up for the DMP (the CC's are pre 2007).

I'm just worried I will annoy the CC guys and they will then be less likely to agree to a DMP and freeze interest & charges.

Maybe I should Ask for CCA's once the DMP has started?

What has been your experiences - has anyone kicked of unenforceability letters just before trying to start a DMP?

Thanks for your help

niccatw

I'm afraid I don't know, but if you have a look at the unenforceability thread and ask Never-In-Doubt for advice, he may have a better idea. Probably worthposting on his thread to ask anyway http://forums.moneysavingexpert.com/showthread.html?t=2305463

Good luck

DarkConvict

A CCA request is your right, but i would do it before a DMP as the providers will not let you stop paying them in order to tackle the high priority enforceable debts first. Which is silly, its not like you are not going to pay its about getting debt free asap. If they have no CCA they may accept F&F offers lower too.

Tixy

You could request the CCAs first or at anytime.

But unless you are certain that you want to challenge the enforcability and pretty sure that they are unenforceable I would not start challenging them until after you are in your DMP and have been defaulted (for any not yet defaulted), because I think you are right that it could just mean your creditors are less co-operative.

Most people have found a way around stopping paying a specific creditor to be able to continue with their DMP. If you cannot you can always take over management of your DMP at a later point (which the remaining creditors should be happy to accept because you will be paying the same or more than when you were using the charity).