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stujim

I'm currently in a debt management plan with Dfh (yes I know,I'm a fool) and was wondering if it's possible to nominate someone to speak on my behalf if I have to contact them? The reason I ask this is that my partner has to deal with difficult people on occasion with her job. She has a very good telephone manner and can put across a good point in an argument (unlike myself). This stems from a phone call I made to Dfh a while back regarding them making late payments to my creditors (usually about 9 days after they take the money from my account). The woman I spoke to shouted down the phone at me (that loud my partner could hear it from a distance) because I had dared to question as to why my payments were being paid late. I got no real answer to this and ended the call. I recently applied (and was refused) for finance on a car. The person at the finance company told me that I had a default against me (from someone who isn't on the list of creditors with Dfh) and two marks against me for late payments (6 months in arrears for the past 12 months on a loan) and 2 months in arrears with my credit card. What on earth have these people been doing with my money? I'd like to nominate my partner to contact them as I'd end up losing my temper and it wouldn't be productive. Sorry if all this is a little long winded for a simple question

clairbear1000

I don't know the answer to your specific question, although I would assume unless you didn't have the capacity to answer for yourself they would only want to deal with you.
People are going to advise you to move your DMP to a free debt charity.
Also, whilst you are in a DMP, you will have arrears and possibly defaults, you shouldn't really be taking any additional credit during this time, and you will find it hard to get any.
Although it sounds like they are probably still not managing your money correctly, if there is a delay in payments being made to your creditors. You should definitely approach one of the charities, although I am sure someone will be along to give you better advice than me!

SnowTiger

stujim wrote: »

I'm currently in a debt management plan with Dfh (yes I know,I'm a fool) and was wondering if it's possible to nominate someone to speak on my behalf if I have to contact them?

That shouldn't be a problem.

A few years ago a friend used to get quite angry and agitated when dealing with people on the phone, so I used to handle the calls for him.

You will have to make the phone call and pass the various security checks. Once your identity has been established you should say there's someone there with you who will speak to them on your behalf. They'll probably ask your wife for her name and possibly about her relationship to you.

Presumably Dfh is a debt management company that charges you a fee? If so, I think you should consider dumping them and using one of the free ones, CCCS or Payplan, instead. If your debts aren't large enough for them to handle you could set up your own DMP. It seems to me that Dfh is a bad choice to go with, especially if their staff shout down the phone at you.

RAS

stujim wrote: »

I'm currently in a debt management plan with Dfh (yes I know,I'm a fool) and was wondering if it's possible to nominate someone to speak on my behalf if I have to contact them? The reason I ask this is that my partner has to deal with difficult people on occasion with her job. She has a very good telephone manner and can put across a good point in an argument (unlike myself).

This would not be a problem at all. But a much better option would be to move to one of the free debt charities.

stujim wrote: »

I recently applied (and was refused) for finance on a car. The person at the finance company told me that I had a default against me (from someone who isn't on the list of creditors with Dfh) and two marks against me for late payments (6 months in arrears for the past 12 months on a loan) and 2 months in arrears with my credit card. What on earth have these people been doing with my money?

I am confused by this?

If you are on a debt managment plan, you are not allowed to take on more debt of any sort; it is part of your agreement with the creditors. They are quite within thier rights to refuse to co-operate further when they find out.

Also, if you are on a DMP, your credit record is wrecked anyway as you are paying less than the amount owed each month; surely DFH explained this before you signed up? Some creditors play ball and do not mark your record, some mark it 8 each month and some issue a default. They are legally entitled to do this, so you credit record will be shot anyway.