DMP & Mutual Support Thread - Part 8

stuart1976

Hi All

Thanks for the warm welcome.

As I stated in my original post, one of my loan payments is due this week. I have been in contact with the loan company, Everyday Loans, and they have stated that they will only enter into a DMP when I have made 6 months of payments. This month would be the sixth but I cannot afford to pmake the full payment.

I offered to make a small token payment and I have received an email reply stating that the "DMP can only be accepted after 6 full payments otherwise can be issued as fraud"

They have also been ringing my parents asking for me, god only knows where they got their number from.

Today I have received letter from them stating that they have written to me on two other occasions, if they have I have never received the letters, and if they do not here from me a customer rep will call at my home and inccur a £25.00 charge. This letter is dated the 8th September 2012, even though my loan payment was not due until the 10th September and for some reason is addressed to my father but sent to my address, again god only know where they got his name from.

Just seeing the light at the end of the tunnel and this has really got me down again.

Hopelessly_Hopeful

lady123 wrote: »

Hi thanks for the reply, I cant understand why they wont accept the offer from me but will from cccs or Payplan or the like, i call them regularly im not running away from the situation, i have also written because Westcote were not passing my offers on to Santander, and claimed that i never sent an I&E sheet which i did as I still had the rec delivery slip. Westcot were rude an
d aggressive towards me on the phone so now I just call Santander direct, they know im off work and suffering from depression.

I think they think going through a third party adds validation to the request. That's why most of us use CCCS or Payplan. Without meaning to sound rude they do little else but be a middle man for distributing the money. Most debt management guidance the creditors have to take heed of says that they should be sympatheitc towards clients that come via these DMP houses.

If you haven't got it you haven't got it!

Stand your ground it will come good in time.

HHx

Hopelessly_Hopeful

stuart1976 wrote: »

Hi All

Thanks for the warm welcome.

As I stated in my original post, one of my loan payments is due this week. I have been in contact with the loan company, Everyday Loans, and they have stated that they will only enter into a DMP when I have made 6 months of payments. This month would be the sixth but I cannot afford to pmake the full payment.

I offered to make a small token payment and I have received an email reply stating that the "DMP can only be accepted after 6 full payments otherwise can be issued as fraud"

They have also been ringing my parents asking for me, god only knows where they got their number from.

Today I have received letter from them stating that they have written to me on two other occasions, if they have I have never received the letters, and if they do not here from me a customer rep will call at my home and inccur a £25.00 charge. This letter is dated the 8th September 2012, even though my loan payment was not due until the 10th September and for some reason is addressed to my father but sent to my address, again god only know where they got his name from.

Just seeing the light at the end of the tunnel and this has really got me down again.

Hi

Sorry you are having these scare tactics applied to you. Write to them, recorded delivery. There are plenty of templates on here and debtline and the CCCS and Payplan websites. Letter needs to include

Only contact you in writing, no doorstep callers or telephone.

You cant pay them extra under terms of DMP and they should know that!

Complain about them approaching your parents and say there is no need you have responded to their letters.

Point out the factual inaccuracies.

Make sure they know you feel harrassed, how it is affecting you.

That you intend to keep them informed and are trying to pay back the debt.

Ask them to treat your letter as a complaint and to responded to formally.

Tell them if a satisfactory conclusion cannot be reached you will be approaching the FOS about the issue.


That should do it. If you get a move on it can be with them for 0900 tomorrow morning.

Hope that helps.

HHx

D3P0

lady123 wrote: »

Hi guys, im trying to do my own DMP, im currently on benefits but hope things will improve, i have offered all my creditors £5 per month, done I&E sheets, the only bank that wont accept is Santander! they say I have to go through a third party and have defaulted me. I have continued to make payments to them but not sure what to do to be honest.
Any advice?

I was surprised at how little interest my bank showed me to be honest. I would have thought after it was us who "bailed" them out they may show a little more empathy?

Grand_Benders

Hi Stuart

Notes inline in red:

stuart1976 wrote: »

Hi All

Thanks for the warm welcome.

As I stated in my original post, one of my loan payments is due this week. I have been in contact with the loan company, Everyday Loans, and they have stated that they will only enter into a DMP when I have made 6 months of payments. This month would be the sixth but I cannot afford to pmake the full payment.

I offered to make a small token payment and I have received an email reply stating that the "DMP can only be accepted after 6 full payments otherwise can be issued as fraud"

The key is in the wording here. 'May', 'Can', 'Might' are words used by creditors and DCAs to intimidate you and make you panic. Unless they're using direct language such as 'WILL' then that's all it is.

They have also been ringing my parents asking for me, god only knows where they got their number from.

This sounds like more intimidating behaviour. Find out from your parents exactly WHAT they're saying. If they give any information about your debt or even confirm any personal information, they are in contravention of the Data Protection Act.


Today I have received letter from them stating that they have written to me on two other occasions, if they have I have never received the letters, and if they do not here from me a customer rep will call at my home and inccur a £25.00 charge.

There are guidelines on debt collection and if you tell them you do NOT wish to correspond with them in any manner other than by letter, and that you explicitly do not wish to meet a representative in person at your home, then they have to adhere to your request. I'm sure there's a whole thread on the forums somewhere with this info in and I'm sure someone will be along shortly to give you the linky but don't panic about any of this.

This letter is dated the 8th September 2012, even though my loan payment was not due until the 10th September and for some reason is addressed to my father but sent to my address, again god only know where they got his name from.

If they sent a letter addressed to your father about YOUR debt, then unless he is a guarantor on the loan, they HAVE contravened the Data Protection Act.

Just seeing the light at the end of the tunnel and this has really got me down again.

You've landed in the right place on this thread, and there are lots of really helpful, friendly, geeky and, in some cases, loopy :rotfl: people here who will give you advice and support, information and an occasional giggle.


To all the newcomers in general, :hello: welcome. It's important to share your stories and experiences here, even if you think they've been mentioned before, because there's always a nuance in someone's situation that hasn't been covered and you just don't know what can be useful for someone else. I posted about electronic VAT filing recently (on someone's diary) giving an extra week to pay, and gave instant relief to someone who was panicking about finding the cash to pay. Sometimes the most innocuous (to you) information can make a real positive impact to someone else.

It's good to talk (as I think Bob Hoskins once said).

Growurown

stuart1976 wrote: »

Hi All. :wave:
I am determined to get my debt under control by the time the baby comes in January.

Once again,many thanks for all the advice I have found here.

:hello: Hi Stuart, well done on the determination and I am sure everything will be fine for the new baby.

iwantafreshstart wrote: »

hi everyone,
i would love to be part of this wonderful community and i am feeling a lot stronger now although i do have my fragile moments so please bear with me and i will work hard to keep in regular contact.

:hello: Hello IWAFS, we are a very patient lot so stick around and keep in touch.

chunkybutcheeky wrote: »

Hi,
I think I just need a bit of reassurance.... I'm really panicking today.

:hello: Hi CBC, it is always a worry just starting out but please be assured that it will be fine. You are a long way from court and lots of people have a couple of months of token payments to get themselves on a good footing to start their DMP. Keep making your token payments and keep in contact with your creditors so they know what is going on.

stuart1976

Hi All.

With regard to my earlier post I have typed a letter to the loan company. Would anyone here please be able to give it a quick once over to make sure it makes sense and if necessary give it a polish. I not very good at writing :rotfl:.

Dear Sirs

I am writing to you regarding your letter to me dated the 8th September 2012, a copy of which I enclose.

You have stated that you have written to me previously on two separate occasions regarding the outstanding amount. I have never received these letters and furthermore the letter I have received is addressed to my father but to my address. Please could you explain where you got hold of his name as I do not recall ever giving you this information? I would also appreciate it if you would not telephone my parents asking for me. They are elderly and do not need this harassment at their age.

I would also appreciate it if you could explain how there could be an outstanding amount on my loan on the 8th September when my payment due date is the 10th of each month, as stated in my loan agreement, even though your letter states the 1st of the month. Surely there cannot be an outstanding amount until after my payment due date.

You have also stated that I have not contacted your office to discuss my account. I have been corresponding with your office via email and text messages with a Mr **** *******, copies of which I have saved. With regards to a customer representative calling at my home, I have not agreed to this and I explicitly do not request such a visit. I request any further contact between us be in writing.

I have been in contact with the Consumer Credit Counselling Service and I am in the process of setting up a Debt Management Plan. I would greatly appreciate your patience while this is being done and the CCCS will be contacting you shortly with details of my DMP.

Yours Faithfully

Hopelessly_Hopeful

stuart1976 wrote: »

Hi All.

With regard to my earlier post I have typed a letter to the loan company. Would anyone here please be able to give it a quick once over to make sure it makes sense and if necessary give it a polish. I not very good at writing :rotfl:.

Morning

The letter is fine

Go for it

HHx

stuart1976

Hopelessly_Hopeful wrote: »

Morning

The letter is fine

Go for it

HHx

THANX.

Letter being sent this morning.

AmyV_2

stuart1976 wrote: »

Hi All.

With regard to my earlier post I have typed a letter to the loan company. Would anyone here please be able to give it a quick once over to make sure it makes sense and if necessary give it a polish. I not very good at writing :rotfl:.

Hi Stuart

I was having a look at the part where they are contacting your parents. This is including in the Harrassment section of the OFT Debt Collection Guide - maybe you could quote it at them.
Deceptive and unfair methods

InformationWhat the guidance says
“Dealings with debtors and others are not to be deceitful and/or unfair.”


This includes:

• sending letters addressed to ‘the occupier’ or discussing the debt with someone without knowing if they are you;
• refusing to deal with an adviser acting on your behalf;
• inappropriately passing your details on to debt management companies, brokers or creditors;
• not accepting reasonable offers or passing on payments you make;
• trying to enforce the debt if you are in a debt payment scheme such as a debt relief order or an individual voluntary arrangement;
• refusing to freeze action or failing to investigate if you dispute the debt; or
• trying to take larger or more frequent payments than you have agreed from your account using a continuous payment authority.

In fact there is a lot of useful info in that Debt Collection Guidance :-http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=03_harassment

Good luck with it!!