On a DMP - did you ignore letters from lenders??

drvorlon

We started our DMP in Jan and CCCS took our first payment start of this month and so will be going to lenders next week...

Now all the letters have started arriving for various accounts that we have not made the min payments etc...

Most have been saying they accept the offer from CCCS etc and have stopped charges for now.
But have had 2 from Barclays today, one for my current account overdraft (1k) and one marked as a default notice for my loan (£14k), both saying I have broken my terms and the full amount for each is now payable in 14days..
Obviously if I could find £14k in 14days then I wouldnt need the loan in the first place would I.. What a stupid letter!

So anyway I rang CCCS today as I was a bit stressed, to ask should I reply to these myself, or did they need to reply, etc, and the woman who dealt with me calmy said
"Oh dont worry they are automated, just ignore them, we have written to them so they know whats going on, they always send all sorts of threats to start with, just do nothing!"

Are they automated and standard issue?
Did you get them and do nothing???

Bettingmad

Yes they are computer generated responses, read them, ignore them and file them.

eyeopener2

Yep, computer generated guff. Keep them, and get a big file cos your going to need it!

I was getting three or four a week from Santander alone at one point.

They will soon stop.

FabuLass

I got something similar and panicked, my debt advisor said those letters are par for the course, standard issue bumph and just to ignore them. I havent yet received any letters accepting offers tho, and it still all seems negative, so it's hard not to worry

sickasachip13

Yep, ignore them. I just filed them away and forgot about them tbh. 99.9% of the guff that they send at the start is utterly meaningless. We had some saying they didn't accept the DMP and called in the whole £7.5k debt, we just kept paying CCCS and they're all still on board.

SAAC

alex21

If it makes you feel any better, do what I did on the advice of my cccs counsellor. Put them in all in a big envelope and send them to her. They will check no action required and dispose of them for you. I felt better not having them in the house tbh. And they will stop eventually! good luck:)

artyfartyem

I agree with all of the above. I had the same letters from Natwest and I did ring them to clarify. They were actually really nice and said to ignore the letters, that they would keep coming but not to worry as they had accepted the DMP with CCCS. They have put a default on my credit file though for not meeting the minimum payments.

drvorlon

Another letter today shows you that "the left dont know what the right is doing" with some of these companies..
At very start of the DMP over xmas week, I personally wrote to all our lenders advising of our circumstances and of our contacting CCCS and the pending DMP..
Then CCCS wrote to them also I assume as mid last month CCCS wrote to us to say Halifax have rejected the offer/DMP, but not to worry about it.

Last week I had a letter from Halifax still moaning about missed payments and advsing of charges gone on, so I wrote back (with a copy of my original letter enclosed) reminding them we had started a DMP and could they stop adding charges and interest.

Today I had a reply saying sorry to hear I am having financial difficulties, but they will still apply charges etc until they have had an SOA and notification from a formal debt management company!!

They have! And rejected it! !!!!!!!!!

rubyjam

I've been on my DMP for sx months and things have quitened down on the letter front but in the early days I wrote lots of letters. They bombarded me and I bombarded them back - I still send the odd one or two every now and then

Not that they take much notice of my ramblings ... it just makes me feel better

Rochdale_Guy

FeeFeeDee wrote: »

I got something similar and panicked, my debt advisor said those letters are par for the course, standard issue bumph and just to ignore them. I havent yet received any letters accepting offers tho, and it still all seems negative, so it's hard not to worry

I'm sure you will all be fine, and FeeFeeDee, please don't worry, that's my job :rotfl:

Good luck to everyone, stay calm :beer:

Deep_In_Debt

I had loads when I started my dmp and I just ignored them or sent them to CCCS to deal with in whatever way they saw fit.