DMP Mutual Support Thread - Part 7

ianmak

powerchimp wrote: »

Hope not, I've a weeks holiday to use up :rotfl:

I've had 3 three missed calls from Tesco today; 1 at work, 2 at home.

I not trying to avoid them, its just one of those things but the OH is worried because I haven't spoken to them (these calls only) I sent them a letter a couple of weeks ago asking to hold on the interest for 28 days and explain the situation , which they acknowledged but saying they couldn't do anything.

They will also be getting the DMP letter in the post the next couple of days (it was posted yesterday).

OH wants me to phoned them but I don't think I need to or am I being naive?

I've always been honest and up front with them on the phone, and have never avoided them. After all, it's their money I'm struggling to pay back, so they're bound to be miffed, aren't they?

I also see it being if you're refusing to answer their calls, and not giving them minimum payments, then they probably think you've done a runner, or just being a non-payer, regardless of the DMP letters, and/or contact they've received from PP/CCCS. We all know none of these departments speak to each other, so I found it easier to pick up the phone, explain your position, give them your PP/CCCS number, then hang up, making sure you don't give them any extra money in the process!

powerchimp

ianmak wrote: »

I also see it being if you're refusing to answer their calls, and not giving them minimum payments, then they probably think you've done a runner, or just being a non-payer, regardless of the DMP letters, and/or contact they've received from PP/CCCS. We all know none of these departments speak to each other, so I found it easier to pick up the phone, explain your position, give them your PP/CCCS number, then hang up, making sure you don't give them any extra money in the process!

Wasn't refusing to talk to them; its just that their timings were all wrong ringing home 9-5 I'm not there only OH (who they won't talk to) and at work the line to my department was busy and switchboard couldn't put call through.

Anyways they phoned again at 9.00pm to tell me that I have a £12 excess on my CC for missed a payment (I paid a token), they then said they would take a payment there and then of £153.

I told them about the letter I send two weeks ago and that I was going on a DMP.

They asked what a DMP was (I'm sure they know) when I said Debt Management Plan, they said in a huffy voice 'fine' and hung up.

Hopelessly_Hopeful

sherry16 wrote: »

Afternoon All!

Just wanted to say thank you for your advice on sorting token payments out - I have today finally taken the brave step of signing up for the DMP (will start in October) and am currently waiting for my welcome pack :j

I've cancelled all my DD's from my old current account, set up standing orders for token payments ready for next month from my new account and am feeling so much happier already just for getting the ball rolling!

I know that the first couple of months will be hard with letters are phone calls flooding in but it can't be any worse (surely!) than lying awake at night worrying how I'm going to get through the month.

Could I please now officially request a number for this thread so I can update my signature?

Thanks!

xx

Well done and welcome to the thread.

sunfleur wrote: »

Current situation:

Diokea have closed our account and asked for the full amount and want to default and send to DCA already. Same with Testicles Clubcard CC.

Santander, who up to now have sent very nice letters accepting our DMP payment and stopping charges have suddenly sent a letter demanding a telephone number as they have 'things to discuss with us'! If we don't send them a phone number or ring them they will 'continue action upon the account in order to protect the company's interests! I did laugh quite loudly at that bit.

MBNA - we think - have stopped charges and interest on their two CCs for now and accepted payments from DMP - I mean you read the letters and most of it is read between the lines as they are not THAT clear but we think that is what they say.

Next seem to be doing their own thing as they keep quoting a lower amount than we are actually offering them - which goes with their non-existant conversation they say they had with us to set up a three month payment plan with them. We will see what happens in three months LOL

Hellifix are still playing silly buglers.

I do have a question about all of the letters we receive and that is do CCCS get the same letters? I don't want to keep ringing CCCS to see if they are getting the same information as we are because some of it seems to infer that if 'we' don't do something within a certain time they will do 'xyz' when CCCS are trying to offer them money. We are paying the money to CCCS so they are the ones with the purse strings. Are they left hanging by these companies or what?

Looks like a plan is coming together. CCCS appear to say just let the plan settle down and they will have an attempt once three payments are made. Sometimes they write to CCCS and sometimes to you. CCCS don't always inform you of the letters although they say they will! A phonecall will not hurt. Good luck .

HHx

Loubylou2

powerchimp wrote: »

Hope not, I've a weeks holiday to use up :rotfl:

I've had 3 three missed calls from Tesco today; 1 at work, 2 at home.

I not trying to avoid them, its just one of those things but the OH is worried because I haven't spoken to them (these calls only) I sent them a letter a couple of weeks ago asking to hold on the interest for 28 days and explain the situation , which they acknowledged but saying they couldn't do anything.

They will also be getting the DMP letter in the post the next couple of days (it was posted yesterday).

OH wants me to phoned them but I don't think I need to or am I being naive?

We haven't heard frm Tesco yet but looks like this may be whats to come for us too.
Good luck.:)

jcorbygas

Sunfleur - I was wondering the same thing as to whether CCCS get the same letters as us.
I have had 2 yesterday - one from RMA stating they are acting on behalf of Amex and asking me to get in touch by phone or email to confirm that CCCS are still involved, and one from Mint which is an account termination letter - it states that if we do not pay the outstanding amount within 14 days or fail to submit proposals for repayment that are satisfactory the account will be passed to their debt recovery office and interest will continue to accrue.
Does this mean they have not heard from CCCS - should I phone them? This is also the same letter I have had from Tesco (also RBS)
My first payment should be with them soon so maybe they wait until that is received to make sure that we are going with the arrangement?
Any advice would be appreciated as things are getting muddled in my head again due to still trying to sort out direct debits etc.
Thanks
Jackie

Erme

Quick bump before break from the SBB Erme before the boss catches me :eek:

C'mon fred - climb those stairs and get that sweet derriere of yours back where it belongs!!!

Speak later....

E

sunfleur

jcorbygas wrote: »

Sunfleur - I was wondering the same thing as to whether CCCS get the same letters as us.
I have had 2 yesterday - one from RMA stating they are acting on behalf of Amex and asking me to get in touch by phone or email to confirm that CCCS are still involved, and one from Mint which is an account termination letter - it states that if we do not pay the outstanding amount within 14 days or fail to submit proposals for repayment that are satisfactory the account will be passed to their debt recovery office and interest will continue to accrue.
Does this mean they have not heard from CCCS - should I phone them? This is also the same letter I have had from Tesco (also RBS)
My first payment should be with them soon so maybe they wait until that is received to make sure that we are going with the arrangement?
Any advice would be appreciated as things are getting muddled in my head again due to still trying to sort out direct debits etc.
Thanks
Jackie

Unless you feel REALLY confident I wouldn't ring any of the creditors Jackie - especially if your head is in a muddle at the moment. Just ring CCCS if you have any questions - much safer! I will ring them later to inform them of this turn and possibly write another (third) letter to Santander to reiterate yet again that we only do things in writing. I will tell them that we can 'discuss' anything in writing since phones have only been around for about 100 years and writing was the original form of long distance communication - unless they don't know how to do that any more in which case they need new staff......

SarahNeedle1872

I have just received two letters from Metropolitan Collections, about my First Direct accounts. The reduced payments have been accepted, and they have sent me a standing order mandate... but surely the money is coming from the CCCS payment, so I do not need to do a standing order!?! Seems like they're trying to get some bank details from me........

What do youy think?

Sx

sunfleur

SarahNeedle1872 wrote: »

I have just received two letters from Metropolitan Collections, about my First Direct accounts. The reduced payments have been accepted, and they have sent me a standing order mandate... but surely the money is coming from the CCCS payment, so I do not need to do a standing order!?! Seems like they're trying to get some bank details from me........

What do youy think?

Sx

Hi Sarah

Me thinks you are right LOL No you don't need to send them anything. All of the letters that creditors send us are designed to get us to either ring them so they can be nasty to us on the phone - confrontation is what they are paid for but not what we want or need - or to get more information out of us. You could do what I am going to do and just ring CCCS to make sure they know the details of this for THEM to pay these jokers. As long as whoever has the purse strings is in on the game that is all that matters. x

scouselad1974

Hi

When you are in the inital process of setting up a DMP, things always seem much worse than they really are in my opinion. You are in the process of gathering all of the information that CCCS/Payplan require and you are also trying to keep your creditors informed of your intensions. All of us act differently in difficult situations so what is right for one person may be totally wrong for another.

I have quite a lot of creditors on my DMP and my intension was to treat each of them in the same manner. TBH most of them accepted my DMP from the start and were good enough to freeze interest and charges and continue to do so. This is really good of them in my opinion, as I signed up for the credit under their terms and conditions ( they didn't twist my arm) and now I have broken their terms.

I have a couple of (rogue) creditors and have had to handle them differently than the rest. These creditors refused my DMP initialy, so I decided to contact them directly. Originally I telephoned them, but after going around in circles and having to explain my situation over and over again I decided to do it in writing. I now have all of my creditors on side, although I do still have problems with Halifax and need to keep an eye on them constantly. I have even had to get The FOS involved just to make Halifax acknowladge my letters etc. To be fair though Halifax were great for the first six months of my DMP, I really do think it depends on the person who is dealing with your case.

My advice regarding setting up A DMP with CCCS or Payplan would be to give your creditors a call and explain that you are entering a DMP with CCCS or Payplan and give them your reference number.

If any of your creditors refuse to accept your DMP then give them a call and explain your situation to them, ask them to reconsider their decision and to help you as you are struggling financiallly. If this method fails, then write to the creditors complaints department explaining your situation and efforts to repay your debt. Lastly if the creditor will not offer you any help at all, then pass your complaint to The FOS who will look at your case and ask the creditor to treat you fairly.

If the creditor continues to telephone you on a daily basis, then send the correct templates from this forum, if they still continue to telephone you, then complain to the creditor originally and then The FOS.You can of course refuse to answer the creditors calls or refuse to answer their Data Protection questions, although this does become tiresome.

Hopefully you will not have to use these methods and your DMP will run smoothly.

One last bit of advice, do not rely on your DMP provider to do everything for you. Let them distribute your payments monthly and keep them informed of any problems etc, but always try to deal with a problem yourself if you can, as you will receive a quicker outcome, obviousley get your provider involved should you continue to have problems, for example copy them in on all letters sent to your creditor etc.

Sorry to rant