Soo Depressed And On Payplan

hobbesy_2

Nothing much to add. Only that it will get better. Once you've made a few payments the calls will stop. We've been with payplan 18 months now and it was one of the best moves we've ever made

jetbags

Sooty0404 wrote: »

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!

Could you clarify two points for me, only i think you may be able to help more than i first thought. When you say " because of their lack of power in the debt recovery system " what is it that you mean ??

Also " you have more ways of dumping debt than they have of collecting it " now this i really am interested in.Mainly because i'm currently fighting with Capquest and any advice that gets them off my back will be worth its weight in gold to me!!
Any advice you can share will be gladly received.

Jetbags.

sarah1975uk

Just wanted to say thak you to everyone that has posted so far what nice people and very helpful! exactly what this site is about. Im in a lot of debt at the mintue too and getting upsetting letters etc am very scared and feel like flying to the moon lol

sarah1975uk

what is the most these creditors and dca can do regarding unsecured debts?? i do have debts but have always paid my mortgage and am scared that they could force me to sell my home. CCJ i can deal with to an extent as i cant get credit and to be honest dont want credit anymore.

kinkypixie

Hey Precious,

I've not got much advice really as I have not been faced with the same issues, but I just wanted to say that you shouldn't let these jumped up finance people get you down. You've made a decision to go through DMP, so stick to what you've decided, don't let them put doubts in your mind.

It will all work out in the long run, it's just a matter of being patient and hanging in there. Having debt is depressing enough, without pratts maing you feel worse.

We're all in the same boat or have been.

Hang in there and good luck

KP