Halp with letter from Post Office

magical28

I recently set up a DMP with CCCS and all my creditors have recieved their first payments from them. 3 of my creditors seem to have comepletely ignored the letters from me and from CCCS so I re-wrote a second letter this week reiterating I am in finacial difficulty and dealing with CCCS and stating that most of my creditors have accepted.

However, I have now recieved a letter from Post Office credit card saying

' we formally demand repayment of the entire debt and your proposals for discharging same are now required, Failure to respond to this letter will result in further action being taken'.

I am now panicking and don't know what else to do. Will they deal with me over the phone if I call them or should I just wait until they have looked over my letter I sent this week?

Please help...

lushbu246

hi there. try not to panic too much. why dont you email your case officer at CCCS? they shouls be able to advise you better? U cant give them money you dont have at the end of the day so there floggin a dead horse so to speak!

magical28

Hi, thanks. I just called them anyway to find out what exactly I'm meant to do when I have no money. They basically said that they do not accept lower payments and therefore it will be going through the collections procedure which will take a few months (meaning they hold onto it for more interest and charges for a while).

I called CCCS and they said not to panic and once it gets to the collection agency they usually accept the offers and stop the charges!

Fingers crossed

DarkConvict

Yep, it is fairly standard process if the creditor refuses it goes to collections to decide what to do. Pure bureaucracy.