Reliable Collections

pure_dead_dopey

but kefalos you answered the phone and went through security so you spoke to him. Take a note of the number and don't answer the phone if its them, alternatively don't pass security and they can't talk to you. There are rules to help protect you from numpties like this but you got to use them. Send your letter again or look seriously at UE, i would certainly not let this situation continue.

kefalos10

Thank you all. Thought i was doing the right thing but just wanted some reassurance

mandyl

dont tell them your considering br,also your well within your rights to pay £1 token payments whilst you save for the fees.
if it helps i paid token payments for 6 months to several creditors and a month before br i cancelled that and paid nothing. most of their threats are just that threats.

kefalos10

Thaks. Glad you've said that cos i woud've told them about BR in the hope they would accept the payments. I've got a lot to learn apparently!!

kefalos10

Another quick question. Since we cancelled the DMP about 6 weeks ago we've not heard anything at all from our creditors. Do we contact them or just sit tight and wait to hear from them?

mandyl

how long before you can go br?
are you going to do token payments or just save for the fees?
if your gonna just save for the fees then i dont think id contact them. as far as im aware you dont need to tell them

kefalos10

Hopefully about 3 months. Just so scary! Once we're 100% sure think we'll need to save every penny for fees

kefalos10

Just checked my statement and they've added 2 lots of £12 and £39 service charge all on the same day on one acccount and similar on the other. My £5 payments wont really help there. Not heard anything more yet so i'll keep paying as you advised

heatherks

i was with them for a jd williams account and they accepted £5 off me

cab wrote to them and they removed the charges as well

kefalos10

Really? My accounts would be cleared if i got all my charges refunded!!!Would definitely be worth trying to get something(anything) back. Every little helps