DMP & Mutual Support Thread - Part 8

sickasachip13

grant1wish wrote: »

After yesterdays mbna goodnews today was a letter stating that argos have not accepted the dmp. Anyone else had argos dealings? And if so any ideas.

Thanks G1W

Hi,
We had exactly this from them. I then rang them and explained the situation again, being blunt, and they said ok then, we accept it. I don't think we ever got a confirmation letter from them saying they did. They reduced their % to nominal only, and would not be lowered on that. We eventually paid them off as they were one of our smallest.

To TiredMumof2 - Moorcroft have been pretty fine to deal with for us. Stopped % as soon as they had the accounts.

SAAC

savvysass

Hopelessly_Hopeful wrote: »

Great news

Now, they do say it comes in threes......

HHx

Oooooh I hope so, shall I spend £1 on the lottery this week??!!

Hopelessly_Hopeful

savvysass wrote: »

Oooooh I hope so, shall I spend £1 on the lottery this week??!!

£1 is good value for a dream I'd say

HHx

Raksha

We've been with Payplan since Feb 2011, but in Feb 2012 had to drastically reduce our payment after I lost my job. Due to mental health problems, I am unlikely to get another job at least in the near future. Payplan take their payment on or around the 4th of the month, and pay our creditors on or around 11th. However, they haven't made any payments at all for September, even though they've taken the payment from us. Obviously our creditors aren't impressed.

Does this sort of thing happen to others?

savvysass

Just received a letter from Barclaycard, they are suspending the interest etc until they hear from CCCS, Capital One have issued us a default notice which I understand is standard, waiting for Halifax now eek for the overdraft (£1000) and personal loan (£4000) has anyone had dealings with them?

sickasachip13

savvysass wrote: »

Just received a letter from Barclaycard, they are suspending the interest etc until they hear from CCCS, Capital One have issued us a default notice which I understand is standard, waiting for Halifax now eek for the overdraft (£1000) and personal loan (£4000) has anyone had dealings with them?

Hi,
Yes, the default is standard, and far better to get it early on in the process. Halifax - some people have found them very difficult, but I've found them absolutely brilliant. I'm two years in, I have a Halifax CC, the last bit of a loan and a £5k OD. Two of these debts were passed to Blair, Oliver Scott pretty quickly - these are Bank of Scotland's in-house debt collectors and, to be honest, they're fine to deal with although don't be panicked by their letters which are usually quite scary!

SAAC

Time_to_face_the_music

Raksha wrote: »

We've been with Payplan since Feb 2011, but in Feb 2012 had to drastically reduce our payment after I lost my job. Due to mental health problems, I am unlikely to get another job at least in the near future. Payplan take their payment on or around the 4th of the month, and pay our creditors on or around 11th. However, they haven't made any payments at all for September, even though they've taken the payment from us. Obviously our creditors aren't impressed.

Does this sort of thing happen to others?

Hi Raksha :hello:

Am very sorry to hear about your problems and hope you are feeling ok.

Have you contacted Payplan to ask them what is going on? The October payments should have been due yesterday so can you check if they have paid your creditors double this month?

Please let us know how you get on

Time_to_face_the_music

sickasachip13 wrote: »

Hi,
Yes, the default is standard, and far better to get it early on in the process. Halifax - some people have found them very difficult, but I've found them absolutely brilliant. I'm two years in, I have a Halifax CC, the last bit of a loan and a £5k OD. Two of these debts were passed to Blair, Oliver Scott pretty quickly - these are Bank of Scotland's in-house debt collectors and, to be honest, they're fine to deal with although don't be panicked by their letters which are usually quite scary!

SAAC

The problem is that a default notice is not necessarily a default and the two are confused by many people. We get a default notice every month from most of our creditors yet still have no defaults after 8 months. We were told RBS had issued a default but it appears that they changed their mind :undecided

Raksha

Time_to_face_the_music wrote: »

Hi Raksha :hello:

Am very sorry to hear about your problems and hope you are feeling ok.

Have you contacted Payplan to ask them what is going on? The October payments should have been due yesterday so can you check if they have paid your creditors double this month?

Please let us know how you get on

Yes I've contacted them to find out what's happening. The October payments are showing as pending. It appears to be the normal monthly amount.

I'm getting very disillusioned with them, we re did our budget a few months ago, and managed to increase our monthly payment on paper, but since then they haven't taken the increased amount, they made no payment in September, despite taking payment from us, and now Octobers payments (still not taking the agreed increased amount) have missed off 2 of our creditors (Very and Marshall Ward).

OH has untreated depression, suffers from chronic pain, and this situation isn't helping either of us. I'm feeling quite let down, as I could have done a better job myself by just setting up standing orders to pay all my debtors.

BlushingRose

Raksha wrote: »

I'm getting very disillusioned with them, we re did our budget a few months ago, and managed to increase our monthly payment on paper, but since then they haven't taken the increased amount, they made no payment in September, despite taking payment from us, and now Octobers payments (still not taking the agreed increased amount) have missed off 2 of our creditors (Very and Marshall Ward).

Perhaps a word with CCCS might be an idea, you should be able to transfer your DMP over if you're not happy.
Not saying you should, just suggesting it as an option.