DMP Mutual Support Thread - Part 7

boot13t

ladyday wrote: »

I'm not sure from the above whether you've paid anything towards this debt recently but if you haven't paid anything or acknowledged it in writing for over six years then the debt could be statute barred. Have a read of http://forums.moneysavingexpert.com/showpost.html?p=11571227&postcount=3

Hello,

I have made regular smaller monthly payments to the creditor for the past 8 1/2 years. Put my head in the sand and hoped they'd go away, after a while there was no contact so all seemed fine. I have had no official correspondence since late 2001. Payplan have contacted them and they're going to be included on the DMP.

Unfortunately the creditor is Barclays so I fear the worst

jasperconran

jasperconran wrote: »

Hi can I join you guys pls?

My OH and I are doing our dmp which has been going quite well with the exception of scalifax :mad: they keep putting my oh on an informal arrangement with a review every 3 months. So we paid the monthly amount on time, review was due in July never heard anything. So we wrote, and wrote again. Never heard a word, interest and charges reappeared. Today OH gets a default letter saying if we dont pay over £1,000 by 23rd September they will either a)pass the account to a DCA or may take him to court:eek: So I rang as my oh has given me authority to talk on the account, we never received your last letter they said. So today, I sent another copy of our last letter dated 11th August, along with the default letter sent today special delivery which cost me a fiver!!!!

They make me sooooo :mad::mad:. So I we have now got to wait for a reply from this letter now. So what I am asking is, has anyone here got any experience with scalifax? do they just pass your account on, and do they carry out their threat of court? my oh suffers from stress, depression and ME so cannot deal with this as well.

Any advice gratefully received guys thanks

Any views on this one guys??? thanks

suze72

I hope not! - I am seeking a redetermination which will mean a meeting with me, creditor and the judge (i think) - explain how I can only afford the amount offered (and paid for the last 11 months) and the fact that there needs to be parity in what I am offering to the creditors.

I also imagine that if the court uphold the higher amount then this would become a priority debt - I don't really want this happening as I dont want my current payments to dip.

thirdly - I understand that I keep paying nationwide and the balance reduces as part of the DMP until the redetermination is made or not!

Hopefully the court will see sense as a change like this could have a dramatic impact on my DMP and my other creditors!:mad:

Hi there

I don't know if you are managing your own DMP or not, but I found CCCS an invaluable help when Lloyds got a CCJ against my OHs debt. They basically dictated to me what we needed to say to the court when applying for a redetermination

suze72

grantalien wrote: »

Been taken to court by Nationwide and they have a CCJ awarded for £85pcm - I have been paying through a DMP Payplan for the last 10 months and have never missed a payment.:mad:

I will be seeking a redetermination from the court on the basis of fairness to my creditors and the income expenditure not allowing for such a significantly higher monthly payment.

any advice, links etc? - what can I expect will I/ should I have to attend court and present a "defence" of some sort?

appreciated

Sorry, should also have said that CCCS advised that we should go along to the redetermination hearing so we could also put our case to the judge in person.

Suze

ianmak

jasperconran wrote: »

Hi can I join you guys pls?

My OH and I are doing our dmp which has been going quite well with the exception of scalifax :mad: they keep putting my oh on an informal arrangement with a review every 3 months. So we paid the monthly amount on time, review was due in July never heard anything. So we wrote, and wrote again. Never heard a word, interest and charges reappeared. Today OH gets a default letter saying if we dont pay over £1,000 by 23rd September they will either a)pass the account to a DCA or may take him to court:eek: So I rang as my oh has given me authority to talk on the account, we never received your last letter they said. So today, I sent another copy of our last letter dated 11th August, along with the default letter sent today special delivery which cost me a fiver!!!!

They make me sooooo :mad::mad:. So I we have now got to wait for a reply from this letter now. So what I am asking is, has anyone here got any experience with scalifax? do they just pass your account on, and do they carry out their threat of court? my oh suffers from stress, depression and ME so cannot deal with this as well.

Any advice gratefully received guys thanks

Halifax have been fine with me (the best out of many creditors, and I owe the most to them. Almost), they've passed over to DCAs, and no probs since. However... you'll discover that all creditors treat everyone in different ways...

grantalien

suze72 wrote: »

Hi there

I don't know if you are managing your own DMP or not, but I found CCCS an invaluable help when Lloyds got a CCJ against my OHs debt. They basically dictated to me what we needed to say to the court when applying for a redetermination

How did the redetermination hearing go? - any advice - I will be attending with my detailed list of reasons as to why the extra amount is not helping!

Twit_Head

jasperconran wrote: »

Hi can I join you guys pls?

My OH and I are doing our dmp which has been going quite well with the exception of scalifax :mad: they keep putting my oh on an informal arrangement with a review every 3 months. So we paid the monthly amount on time, review was due in July never heard anything. So we wrote, and wrote again. Never heard a word, interest and charges reappeared. Today OH gets a default letter saying if we dont pay over £1,000 by 23rd September they will either a)pass the account to a DCA or may take him to court:eek: So I rang as my oh has given me authority to talk on the account, we never received your last letter they said. So today, I sent another copy of our last letter dated 11th August, along with the default letter sent today special delivery which cost me a fiver!!!!

They make me sooooo :mad::mad:. So I we have now got to wait for a reply from this letter now. So what I am asking is, has anyone here got any experience with scalifax? do they just pass your account on, and do they carry out their threat of court? my oh suffers from stress, depression and ME so cannot deal with this as well.

Any advice gratefully received guys thanks

OMG - if jasperconran can't cope with a recession, what hope is there for the rest of us???
I have no doings with Halifax myself but as ian so rightly says all creditors treat everyone differently. (But I just HATE those crass adverts!)
It all sounds a bit ' let's put the frighteners on' to me - could be you would be better off with a DCA.
I know it is extra tough coping when you have health problems - just take a deep breath and take it one step at a time.
And I so empathise - isn't a pain when it's costing you precious money to try and get an answer?
Sure it will all come right in the end.

'Twitty'

suze72

grantalien wrote: »

How did the redetermination hearing go? - any advice - I will be attending with my detailed list of reasons as to why the extra amount is not helping!

Sorry, I can't help you there as OH went bankrupt before the court date.

scouselad1974

jasperconran wrote: »

Any views on this one guys??? thanks

Hi

Halifax were fine with me for 6 months and accepted my DMP without a problem, but then they became my worst creditor to date. They totally ignored every letter that I sent them via recorded delivery and they ignored all correspondance from CCCS. They added interest at nearly 10 times more than my monthly payment to them and they added late charges and over limit charges.

In the end I had to ask The FOS for advice and to cut this story short, Halifax refunded all of the interest and charges that they had added for the previous 6 months and they agreed to remove my contact numbers from their systems and to accept my DMP.

It was a long struggle but worth it in the end, my advice would be to carry on paying them via your DMP and get The FOS involved otherwise you will get nowhere with them.

Mrs_Ryan

Hi everyone :hello:

Long time no speak... how's everyone doing? My poor lil comp has been struck down by a nasty Trojan Horse having to use my mobile phone which is no fun thank god my Mum, bless her, has bought me a laptop for my birthday next month... cant wait to get back online again!

The switch from Kensington to Freshstart is going fairly well. Reliable Collections (my biggest problem) have accepted on most of my accounts so far, Studio accepted without a murmur and even NatPest have been quite nice :eek: Citi Cards rang the other day and started trying to get nasty saying I had to pay them fifty quid there and then or the arrangement would be cancelled permanently blah blah... I told them (of course) to bog off and speak to Freshstart. he did try again before I got him off the phone but I just reiterated I havent got £50 and thats why I'm paying Freshstart!

Other than that its not going too badly!! Hope everyone else is ok too.

Mrs_R xx