Soo Depressed And On Payplan

preciousb

Thank you for all your advice. You have all been a great help. Any extra advice will be usefull as well. I cant thank you all enough. :T

makingendsmeet_2

Welcome Finance are MUPPETS. They think they are above the law and they are NOT. Either don't answer the phone to them or if the conversation starts getting too much hang up. After all if I phoned you up and started being abusive you would hang up on me!!!!!

Bakeybadoo

I think I've got off lightly with Welcome. We have car finance and are in arrears but have not heard from them in well over 12 weeks now. Nothing. Most odd, I keep waiting for the poop to hit the fan.

They were more pushy in the early days, calling but never excessively.

Saying that, the manager of the branch DID come to our home one day, most odd. He was physically shaking though as he was lecturing me. Weird!

Sooty0404

There are 2 options to dealing with calls of this nature:

OPTION ONE

As soon as you receive these phone calls ask the caller to hold.

Count to 10.

Then tell the caller that you are legally obliged to inform them that the call is being recorded. Ask also for their Consumer Credit Licence Number.

You will be amazed by the change of attitude.

One of my callers actually said that he was not going to speak to me if I was recording the call and HE hung up on ME!

Once they have 'taken you through security' ask them to verify who they are. They may offer you information which is readily available from a statement. This is not good enough. Ask them for the password you set up on the account last time they called. There isn't one so they won't be able to give it to you. Tell them that if they cannot identify themselves to your satisfaction that they will have to communicate in writing ONLY.

Refer them back to your DMP company and see the other posts for complaint procedures.

Due to their lack of power in the debt recovery system, scare tactics are common to try and get you to pay. You have more ways of dumping unsecured debt than they have of collecting it. They know it and they know that you know it.

With a consumer debt in excess of £200 BILLION and more and more people turning to DMP, IVA and Bankruptcy, debt chasing with scare tactics has become a bit of a game and you have to learn the rules and play the game too. Don't be intimidated, don't get upset and DON'T part with money you can't afford, especially at the expense of priority debts such as Council Tax etc.

OPTION TWO

Tell the caller to b*gger off and hang up!

savagevixen

Fab plan there Sooty!

Bakeybadoo

Option 2, I've done that with a DC, only I wasn't as polite. Just this week infact.

Very satisfying and they haven't called again.

preciousb

On the call every time i tried to explain myself he would interrupt me and as i tried to carry on talking he would say stop interupting me. which kinf of p**d me off. so i did say that what he was doing is interrupting me and that he was accusing me etc. and he didnt quite frankly like it. but he said he will call on monday so i might just not answer the call. the only problem is that they keep ringing home and at the moment my parents do not know the situation i am in so it does not help. That is the reason why I answer the calls. I think im going to just answer the call and say to talk to pay plan and if they have anything to say to me then they should write to me in the future as i will not respond to any calls.

OHHH what a mess, never realised that this is how it would be. but i suppose ill have to deal with it one way or another.

JGWT8M

Easiest way out is to call BT/Virgin etc. and ask them to change your number due to calls of a harrassing nature. Give your new number to Payplan and Payplan only.

Virgin changed our number within 2 hours, and I was honest with them over the reasons why, just sick of all the calls from one particular bank, the woman understood, she was on a DMP as well!

JGWT8M

must have been writing as you were, might be an idea to keep your parents in the loop, the last thing you need is them finding out from a doorstep collector, you don't have to tell them how much, just tell them that you have debt and are dealing with it with the assistance of Payplan and not to worry (give them payplans website and let them readup what's going on themselves).

I had tried to hide the amount of my debt from my parents (we don't live with them) cos I didn't want to worry them, they knew about it but not the amount, then my Mum saw the total on some Court Papers and I thought she would go totally apesh*t but she didn't, just said she hoped I didn't add anymore naughts to the figure...

preciousb

hmmm i can understand what you are saying but at this point there is no way i can do that. i will just have to hope that i will get noone on the doorstep. and same with telephone number because im a university student so im living in halls away from my parents.

ohh soo confusing so much to take into consideration.