DMP Mutual Support Thread - Part 7

BlushingRose

Eeeeeek - we got this today https://forums.moneysavingexpert.com/discussion/3708807

Scared :-(

Hopelessly_Hopeful

BlushingRose wrote: »

Eeeeeek - we got this today https://forums.moneysavingexpert.com/discussion/3708807

Scared :-(

Standard scare tactics. It will be fine BR. Sorry I can't help re PPI but just sounds like they are trying it on.

Try to stay strong. Read back pages, that can help too.

HHx

BlushingRose

should I ring the CCCS and tell them, or is this really nothing to worry about?

mallyash

Horray No calls from Opus for 2 weeks now. Looks like my telephone harassment letter has done the trick. Now I'm getting 'to avoid further action to your account please ring this number within 48 hours' letters. God this company is so dumb. My letter stated I would only communicate via written media.:wall::wall:
Crapital one still want pay slips and bank statements. Apparently according to their Indian call centre, if I had gone with an official debt management provider my plan would be in place and all charges frozen. They have had a letter posted today quoting The lending code section 204 to 212 to which they are a subscriber.
RBS want a signature on a little form they have provided , in order to allow them to carry out my instructions?????? (More than likely they need to see what my sig looks like, because they have no original CCA). Which incidentally I will be requesting sooner rather than later if they don't get off the pot and stop fannying about.
Lloyds so far no contact what so ever, just statements telling me I'm in arrears. No Sh*t
All my other creditors, AA (x3) Barclays(x2) and Monument, have been fine and have accepted my offers and frozen all charges and interest.I even recieved nice letters from Barclays.:huh::huh:
So on wards and upwards. Some times I feel as though all this is a cat and mouse game to some creditors, bring it on I say. They don't own you and no one should be scared of any bully boy tactics they try and adopt.

debtfreewannabe321

:wave: hello to all the new people on here

I've also made a resolution to myself to come on to this thread more often everyone on here has been so helpful & kind when i was setting my dmp up so i think i should come and do the same for others

Well done to everyone who has finished their dmp/ or on the last leg of it! This *should* be my last full year on the dmp too if we can stick to our new budget :j (if not it will go back to 2014!)

debtfreewannabe321

BlushingRose wrote: »

Eeeeeek - we got this today https://forums.moneysavingexpert.com/discussion/3708807

Scared :-(

BR is this not the standard default notice sent out with each and every billl that you don't pay the full min. amount on? I've received around a hundred of those :rolls eyes: or is this a different one you talk about?

I remember calling the cccs when i first received one nearly in tears they were very helpful and told me i would be getting a few more of those! They weren't wrong

Hope it hasn't worried you too much x

sickasachip13

Well done Mallyash - we too consider much of this a game of brinkmanship nowadays! I think it's probably a healthy way to look at the creditors and certainly, for us, removed the fear from the situation.

And DFW321 - your last full year? That's brilliant news and what an achievement. Our last full year is a long way off, but closer by the day :-)

debtfreewannabe321

mallyash wrote: »

RBS want a signature on a little form they have provided , in order to allow them to carry out my instructions?????? (More than likely they need to see what my sig looks like, because they have no original CCA). Which incidentally I will be requesting sooner rather than later if they don't get off the pot and stop fannying about.
.

I think you're probably right there they just want your sig for a new cca! I stupidly signed a piece of paper sent to me before i came on here and got told not to, I expect that is exactly what the bit of paper was used for....to make a new agreement up :mad: so don't sign it! Good luck

sickasachip13

Hey Mallyash, just put a thumbprint or a cross on the sig line and see what they make of that.... ;-)

debtfreewannabe321

sickasachip13 wrote: »

And DFW321 - your last full year? That's brilliant news and what an achievement. Our last full year is a long way off, but closer by the day :-)

I hope so! so long as i haven't jinxed it now :rotfl:

We *only* owed around 16-17k so small debts compared to some on here! And after paying off 4k last year we have around 12k left according to cccs we *should* be finished by near the end of 2013 :j........just hope we can keep up with the new payments now