Brogden struggles with dmp / personal loan / hbos / albion

scottygees

eyeopener2 wrote: »

Hi

Blair, Oliver and Scott are Halifax/bank of Scotlands in house debt collectors. In other words they are just another set of desks in the same office. (BOS, Bank of Scotland). The threats from call centre muppets are just that, empty threats so don't worry about them.

BOS could take you to court, as could the Halifax but they won't yet, if at all so don't worry about things that may happen. I've been on my DMP for 19 months now owing £24k originally and not a whiff of court action.

The best thing you can do is to contact one of the DMP providers like CCCS or payplan and just get the ball rolling.

I have numerous loans and credit cards all of which were originally much lower than the contractual payments. Tesco loan was about 20% of the contractual payment. Lets face it, if you could pay the full whack and arrears you would be in trouble in the first place.

Don't bother ringing BOS again or Albion (the other in house collectors for Bank of Scotland who own Halifax) and get on a sort your DMP.

Everything else is all b**&^^ trying to scare you into paying what you can't afford, which is just what you don't want.

Ring CCCS or Payplan and get things sorted.

E2

did Tesco load all the interest on upfront on your loan.They have with mine