please help

stassy23

hi i have been on a dmp since october last year and so far things have been going ok not much hassle etc but i have recieved a letter today saying i owe barclays £2096 and they have passed it over to debt collection ageny and said they want the money paid now or they will take further action like they will come to my home, take me to court etc im so worried now i feel sick can and will they do this???

any advice would be appreciated thank you

Tixy

Hi

Much of this will just be a standard threat. If they know you are in a DMP then they will know you cannot afford to pay it off.
To stop a debt collection agency coming from your property send this letter - Threat of Doorstep-Visit - once they have received this they cannot visit you at home, even if you don't send it and they turn up at home its important you know they have no rights, you can tell them to leave and if they didn't would be entitled to call the police. Doorstop debt collection agencies are not baliffs and have no right to seize goods.

Whilst you are on a DMP it is possible that your creditor could still decide to take you to court, but more will threaten it and never do it.
If you do get court papers come through in the post (from the creditor or a debt collections agency) then you should come on here for advice - do not send them to your DMP company.
Even if they get a CCJ against you, you should be able to continue to pay at the same rates as you do on your DMP (or similar amount).

RAS

Hi

This is a standard default letter that has to be sent to you before the creditor are allowed to pass the a DCA. The wording is precribed by law, there is nothing personal about it.

Take a deep breathe, it is OK.

podperson

Please try not to panic over this. A lot of companies when you have been on a dmp with them for a while will send you these kind of letters out to scare you into paying them off or upping your monthly payment. I would suggest writing to them and stating that you are in a dmp, they are receiving monthly payments and that is all you can afford at the moment.
A lot of them will leave it at that. If they do pass it to a debt collection agency just tell them the exact same thing, if your dmp is through a company like cccs you can also tell them to deal with that company direct from now on.
If it comes to a worse case scenario and they do take you to court (which I am not saying is likely but can occasionally happen) then they will simply look at your incomings and outgoing, say how much you can afford to pay and if it's a slightly different amount from your dmp then you can change it to suit that. A court won't expect you to pay it all off at once or to pay a massive monthly amount you can't afford. (When I was on a dmp a good few years ago NR were the only one who refused payments and took me to court, the judge ended up granting a lower amount then I was currently paying in the dmp!)

stassy23

thanks all xxx