DMP-What's the point in going on?

Culex

Pink-Angel wrote: »

Thanks so much Trixy, that's very helpful. I really appreciate you replying.

Until they finally get the message after you have sent the follow up, do not telephone letter and reported them to the Information Commissioner, you might wish to have some fun with them.

Tell 'em you're the Virgin Mary - or the Urgin' Mary ("I used to be the Virgin Mary, but my libido returned!")

Answer the call as if they had called a take-away pizza firm.

Put on a "received stended eccent" and tell them they've called Buckingham Palace.

Or just play them Machadaynu

The possibilities are almost endless.

rugbymum

Hi sweetie
I hope that you're feeling somewhat better after the messages of support here. Don't forget that to your creditors you are just a number who owes them money. To your friends and family you are a valuable person whom they love and care about!
If you are really feeling low see your GP and talk honestly about your feelings.
It is only money at the end of the day. Yes you spent it and want to pay it off, but you, as a human being, is woth so much more.
Take care and good luck in your debt free journey.
RM

bluebag

After sending the 'only in writing letter' if phone rings and they ask for X just say hang on I'll go and get her, put the handset down and go to another room for 15 mins, then put the phone back on the hook.

feeling-good

surrey648 wrote: »

... and I thought it was just me! Lloyds.. that word needs to be removed from the English language!

I have 10 creditors, and started a DMP through CCCS almost 4 years ago. Most have frozen interest, or drastically reduced it, yet Lloyds continue (yes, even now) to charge full interest, send demands for payment, default notices and last week I received a letter from a solicitor demanding a formal payment (the full amount!). I'd love to know how others have managed to have their debt sold on... is it because you're self managing??

I emailed CCCS in horror, but in the meantime I rang them. I got through to an call centre somewhere in India and was asked for full payment. I told her that I was on an AGREED ATP through CCCS, and she even quoted my CCCS reference number back to me!! She asked why I couldn't pay (I had to bite my very sarcastic lip)!! I explained that of all the people I owed money to, THEY were the ones I wanted to get rid of as they were making my debts bigger! I then explained even if I had a spare bucket of cash, I couldn't make a payment as this would be detrimental to my DMP, and I certainly wasn't prepared to show them any preference!! She then became very jolly, told me to ignore the letters, as it was "only a formality", and that I shouldn't worry!! Thanks for the advice sweetheart!! :mad:

CCCS then replied to inform me that this solicitor was their own internal legal services! What a cheek!!

On a happier note (for want of a better phrase) my debt to Lloyds had been increasing every month, but now it is decreasing.... that said, they update my credit file every month, reducing my credit limit (even though they have not received payment for 3 months apparently), and have now put a derogatory status on there too! Nice, don't you just love them?!?!

Chin up, my fellow debt free wannabe - remember that this ISN'T personal! They bully the scared and weak! Be strong...we WILL get there... it may not be the easiest journey, but by jingo we won't get into debt again!!! :T

Bet it was SCM solicitors ? yes they are owned ny Lloyds. Laughable really. They are bully boys and nothing else. I really think something seems to be happening with Lloyds TSB as they seem to be really coming down hard on everybody.
They treated me awful and was so happy to pay them off once and for all.
Just write to them and tell them the full situation. Tell them again and again not to call you. Change your number if thats easier. I did. I must have really p****d them off with that one lol
They always call from India or wherever and they can be quite rude, so just be rude back to them. Keep saying " sorry I don't understand you" repeat and repeat it, they end up hanging up then.
As for SCM just forward your letters to your DMP manager and let them sort it for you.
Dont stress over it please. it's hard not to I know, been there and done that but they can't have what you aint got right !
you will get it sorted and keep on here, the people are truly amazing for support and guidance.
Whats the worst that can happen, they may pass it onto a DCA but CCCS will just deal with them instead of LLoyds.
You will be fine....Just look after yourself

patricia50

mummum2 wrote: »

Lloyds are the pits! :mad: banked with them for over 20 years accounts for nothing. Been on DMP 4 years this September, I have loan, interest after about 6 months, O/draft, keep adding interest, stopping interest, till they sold it to Apax this month, all interest stopped, Apax to give them credit was really nice. Sent E&I, which was accepted by them, agreed same amount that I was paying Lloyds.....credit card is another story, paying £96 of which interest is over £60, no amount of letter writting seems to be shifting them, have requested only communication in writting, but still they keep calling, only have my work number, I now don't even answer the phone to them now, can see their number. Arrived home last night to get a letter from their collection centre in Brighton saying:

We would like to tell you about our new online service that will help you manage your account.

Simple go to www.lloydstsb.com/selfmanage and quote your account number and personal on-line reference ID as shown above.

You will be able to:

- View the status and blance of your account
- Make a payment using a credit or debit card (don't think so!!!)
- Notify us if you are experiencing financial difficulties.

In addition, there is help and guidance about managing your money and answers to frequently asked questions (FAQ) about our collections process.

Manager, collections centre (can't read signature...one of their computer generated letters)

Plus another from Hove - (like a payment slip) which reads:

IMPORTANT INFORMATION

You need to make an immediate payment to bring your Lloyds TSB account up to date.

To pay go to (same website as above....quote the same numbers as above)

If you have alredy made your payment, thank you.........YES I BLODDY HAVE, I PAY YOU ON THE 1ST OF EVERY MONTH £98 BLOODY POUNDS, CAN'T DO ANY MORE, PLEASE PASS IT ON..so feed-up. All my other creditors are on board, have been from day one, but these critens are the bain of my life! :mad:

Good luck and let us know how you get on!

MM2

Ive recieved exactly the same letter and have tried to go on to this online and can get nothing remotely like they are saying with how to make an offer of payment etc. Lloyds really are useless!!!!:mad: