DMP & Mutual Support Thread - Part 8

Time_to_face_the_music

ben80 wrote: »

I was their customer for a long time too and they made my overdraft interest free, a new loan, a cc. Even had a financial check with them and all the guy said was 'cut up the cards'... he didn't have a decent reply when I said I couldn't afford all the minimum payments.

Sod them then, I'll call the ombudsman tomorrow and see what they say and let them do it for me.

I will never bank with them again, nor Halifax... regardless of price for any product and I'll do my best to dissuade others. What really galls me is the "Little extra help" and "For the journey" logos they're peddling around at the moment. I received no help (for 3 years) and they left me behind on this 'journey!'

Right, enough of bad mouthing these gits, let's return to the calm positiveness of how great things will be when we're off the DMP and how good a human being we all are for facing our problems and dealing with them without the "Write off 75% of your debt" excuse!!

We're on the same page, singing from the same hymn book and all that jazz.

Go get them

Time_to_face_the_music

Hopelessly_Hopeful wrote: »

I think some confusion has arisen as there was a thread called 'angry with CCCS'. It has been merged with this one for some bizzare reason. Now call me cynical............

HHx

Now that is just weird. Who does the merging and why? :think:

speshfesh

ben80 wrote: »

I was their customer for a long time too and they made my overdraft interest free, a new loan, a cc. Even had a financial check with them and all the guy said was 'cut up the cards'... he didn't have a decent reply when I said I couldn't afford all the minimum payments.

Sod them then, I'll call the ombudsman tomorrow and see what they say and let them do it for me.

I will never bank with them again, nor Halifax... regardless of price for any product and I'll do my best to dissuade others. What really galls me is the "Little extra help" and "For the journey" logos they're peddling around at the moment. I received no help (for 3 years) and they left me behind on this 'journey!'

Right, enough of bad mouthing these gits, let's return to the calm positiveness of how great things will be when we're off the DMP and how good a human being we all are for facing our problems and dealing with them without the "Write off 75% of your debt" excuse!!

:rotfl::rotfl::rotfl:
For a minute there I thought you were going to suggest we raise a people's army and seize control of the State!:beer:You go get 'em ben!:mad:

Time_to_face_the_music

speshfesh wrote: »

:rotfl::rotfl::rotfl:
For a minute there I thought you were going to suggest we raise a people's army and seize control of the State!:beer:You go get 'em ben!:mad:

Am probably showing my age here but can't help thinking of Wolfie Smith and his first up against the wall.

Lloyds TSB can be my first up against the wall. Power to the people :rotfl:

gizmo111

Time_to_face_the_music wrote: »

Hi Earthmother and trainergirl :wave:

SCM solicitors aren't a firm of solicitors, it's just a name bought up by Lloyds TSB in order to scare people into paying what they haven't got :mad:

Don't speak to them on the phone, if you need to contact them at all, write to them at Lloyds TSB, Collections Centre, Brighton, BN1 4BE but my advice would be to ignore them.

Are they still charging interest or adding extra charges? If so report them to the FOS. We had no response to our DMP except for them to increase interest charges, the FOS got that stopped within 9 days of us contacting them. Oh and the grovelling letter from Lloyds TSB was almost as good as getting the interest back :rotfl:

Good luck and please let us know how you get on

Back in the day when we were reclaiming bank charges and Lloyds were the most difficult - there was also an A added into the solicitors name by disgruntled customers, who were previously scared of a solicitors letter!!:rotfl::rotfl:

Good Luck with all this.

speshfesh

Time_to_face_the_music wrote: »

Am probably showing my age here but can't help thinking of Wolfie Smith and his first up against the wall.

Lloyds TSB can be my first up against the wall. Power to the people :rotfl:

Wolfie Smith eh? :rotfl:
Maybe we should resurrect the Tooting Popular Front then!:D

ben80

Wait, wait, wait! We can't take them down yet. We need to wait until they've paid back the money they owe us (the British taxpayer!)

(Also, does anyone know if I need to make my Postal Order out to Virgin Credit Cards or leave it blank?)

gizmo111

ben80 wrote: »

Wait, wait, wait! We can't take them down yet. We need to wait until they've paid back the money they owe us (the British taxpayer!)

(Also, does anyone know if I need to make my Postal Order out to Virgin Credit Cards or leave it blank?)

If you still have the facility then use online banking and pay it through this - save the PO and stamp costs.

StepChange_Pavan

Hi everyone and thanks for your comments.

Just to clarify: creditors agree to pay us what’s known as a 'Fair Share Contribution' (FSC), in recognition of the unique service we provide to people in debt.

FSC comes from creditors that pay a voluntary, non-contractual and charitable donation of the money that’s repaid to them through debt management plans.

This doesn’t affect our advice in any way - we’re completely impartial.

However, this forum thread is to help those in need of debt advice rather than discussions on how we are funded. As someone has mentioned, somehow another thread has been merged into this one.

To stop any confusion, and so that we can continue to help those that need it, it’s best to continue this conversation on another thread - we’re happy to contribute if needed.

Thank you,
Pavan

Hopelessly_Hopeful

Thank you for the clarification Pavan

I am assuming a Mod merged the thread. Does anyone know how we approach MSE to deal with this unmerging?

HHX