DMP Mutual Support Thread - Part 7

mikon

Thankfully MBNA are not one of my creditors. Have you maintained your payments and kept to the amount offered?

I would ring CCCS and speak with them on Monday. Good Luck keep us updated.

Regards

fermi

sicktodeathofitall wrote: »

Restons solicitors have decided to take me for a CCJ (received papers today from court in Northampton).

You're not expected to go there.

Northampton is just the Courts Service bulk processing centre.

If you want to admit the debt and make an offer of payment, then just return the response forms to Restons with your offer and I&E.

Send by special delivery if you are able.

Include a note to Restons that you have also sent a copy direct to the court.

Restons (and similar 'solicitors') have a nasty habit of pretending to the court that they didn't receive any offer at all from you, allowing them to get a 'default' judgement and a silly payment level set.

If after all that the court still orders you to pay something that you cannot afford, or over your current DMP level, don't panic. You can always ask for things to be transferred to your local court to be looked at again. See post #2 of this thread.

pure_dead_dopey

scouselad1974 wrote: »

Hi

Citi issued a Default Notice and a letter of termination, they never accepted my DMP but did freeze interest and take the payments from CCCS for 6 months. Then out of the blue Clarity contacted me by letter to say that had been instruced by Citi Card to make arrangments to repay the outstanding balance and that all repayment proposals must be agreed with them not Citi.

CCCS then wrote to Clarity on my behalf and Clarity confirmed the agreement in writing.

Hi Scouse

I may be wrong but if they sell you on to a DCA, are they not supposed to send you a notice of assignment? Don't quote me but I'm sure I've read it somewhere. OH has a Citi card, we got a letter about two months ago telling us they were selling their CC book, but nothing since, just been paying Citi through CCCs as usual. Let us know how you go, and remember, you've been paying in good faith, if their systems are rubbish, that's not your fault:):):)

MRS_A_3

Hello everyone.

I've finally taken the plunge and submitted my debt remedy form to CCCS

How long does it take for them to get back to you normally?

I also asked on the CCCS thread about what happens if you take a drop in income but nobody has replied as yet.

My DH is off work sick and his company sick pay will run out in a few weeks so if he can't go back to work then he'll just get SSP.

According to my results I'll be on a DMP for 10 years - oh joy.

Does anyone have any experience of my creditors and whether they usually accept DMP's or not?

GUS, Additions, Provident, Welcome Finance, Halifax CC and OD, Vanquis?

Thanks

fermi

pure_dead_dopey wrote: »

I may be wrong but if they sell you on to a DCA, are they not supposed to send you a notice of assignment?

The original creditor must write to you notifying you of the sale/assignment of the debt.

If you get one, be careful to try and work out it is from. Many DCAs use letterheads of the original creditor to produce NOCs that are arguably 'fake' and unlawful.

pure_dead_dopey

thanks Fermi, what lows will they sink to next, wouldn't have thought of that one! innnocent abroad............

scouselad1974

pure_dead_dopey wrote: »

Hi Scouse

I may be wrong but if they sell you on to a DCA, are they not supposed to send you a notice of assignment? Don't quote me but I'm sure I've read it somewhere. OH has a Citi card, we got a letter about two months ago telling us they were selling their CC book, but nothing since, just been paying Citi through CCCs as usual. Let us know how you go, and remember, you've been paying in good faith, if their systems are rubbish, that's not your fault:):):)

Hi

Thanks for that, I will give CCCS a call tomorrow to try and find out where my payments have gone. Do you need a letter of assignment even if the DCA is working on behalf of the original creditor.

pure_dead_dopey

dunno Scouse, see fermi's post above, think we should all do a degree in debt management to get through this, specialising in honours in dirty tricks

scouselad1974

pure_dead_dopey wrote: »

dunno Scouse, see fermi's post above, think we should all do a degree in debt management to get through this, specialising in honours in dirty tricks

I agree, it certainley is an eye opener having to deal with these companies isn't it.

sanctuary_seeker

Evening all.. I have a question if any one can help. I'm just in the process of setting up my DMP, I've contacted Payplan , written to all my creditors (6) and told them I was organising a DMP and paid them all a token payment at the bginning of June. However two of them have sent me income and expenditure stsatemnet to fill in and return to them . Can I just ignore these as I'm guessing they'll have a preference for their company getting a higher payment each month? Surely they should wait until my complete is set up and either I or PayPlan contact them with an offer of payment plan? They all seem to fight aginast each other as well as send nasty letters, phone call etc. Why isn't there a law against their harrassment, many of us are just trying to the best we can :-(

Thanks

SS