Advice on my Debts and my DMP

midnight_sun

FYI - he called around 15 times in the space of 6 mins.

DD265

I'm sure somebody will come along who can answer for sure, but I think the best thing to do would be to ignore the calls. Don't even try to speak to them - you've asked them to contact you in writing so only speak to them in writing.

Good luck!

midnight_sun

Absolutely, It's just really concerning when they are saying things like that to be honest!!!

eyeopener2

Please understand that scum bag collectors are bullies, liars and cheats.

That's about it really.

It is their job to scare you into paying them directly cos the scum bag collector gets paid commission.

So, next time it rings, tell it that you are in A DMP with Step Change, tell them your reference number and bid them good day. Next time it rings, ignore it, you have stated your position.

You will get nasty letters, but these will die out.

REMEMBER NOW......NASTY, CHEATING, SCUMBAGS!

midnight_sun

Thank you, it's not the letters i'm worried about, it's phone calls like this that have caught me out - them saying that they have rejected the plan etc...

Kat67_2

Hi, I have just registered with this site after reading your post. I started my dmp with step change last June. I was exactly the same receiving phone calls all the time. In the end I ignored the constant phone calls and they stopped. If you want to answer these calls just keep your plan number and step change phone number by the phone give the caller those details and terminate the call. All my lenders have accepted the Dmp and I feel like a massive weight has been lifted and I'm actually managing to live on a budget!
Good luck

eyeopener2

midnight_sun wrote: »

Thank you, it's not the letters i'm worried about, it's phone calls like this that have caught me out - them saying that they have rejected the plan etc...

Some creditors do, do initially, then come on board.

Think about it logically. If they decided to take you to court and you had not only tried to agree a plan, they accepted the payments as well, well they are going to look pretty stupid.

Let them play their little games, let stepchange send your payments, you learn to live on a budget.

You will be fine.

E2

midnight_sun

Received this lovely email from NDR - Regardless of me telling them that I am part of a DMP...

Dear Mr

Re loan ref:

Please remember that you agreed / are required to make payments to settle your NDR - Community Pay Day*** to avoid further charges and debt recovery action.

You are committed to paying GBP 655 by 28.01.2013.

If you fail to honour this agreement and you ignore us your payment plan will fail and we reserve the right to take action to recover the full amount. We may also instruct Door Recovery Agents to visit your property to discuss your debt with you and the reasons for non-payment.

If payment continues to be non-forthcoming, then the file will be passed to our Solicitors for review. This may lead to a County Court claim (or Sheriff Court claim if you are in Scotland) against you. If we successfully obtain a County Court Judgment (or Scottish Dec ree) we may then make further applications to the court for a Warrant of Execution or an Attachment of Earnings Order (or their Scottish equivalent).

It is essential that you honour your commitment to repay this loan.

You should pay GBP 655 by:

1. going online and clicking Pay Now;

OR

2. making payment to:
Barclays Bank
Account Number: 93462382
Sort code: 20-50-94
Reference: Use your mobile number ) as a reference so we can match it correctly

Please ensure that these funds reach us by the end of business tomorrow.

Note: We reserve the right to automatically debit your account for the agreed scheduled amount OR the full amount if payment is not received.

If you have already repaid and this is not reflected in the above statement please contact us so we can investigate this further and correct your file.

Yours sincerely,


COLLECTIONS
NORTHERN DEBT RECOVERY
0843 381 0843

NOTICE: The contents of this e-mail are intended for the named addressee only.

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number 631166.


So this will be fun tomorrow! They shouldn't even be contacting me, as a letter was sent and received by them to read it.

wannabee_in_credit

You may want to take your mobile number out of the above post...

midnight_sun

Hi ll. Help is needed. I've just received this email from NDR below. Regardless of me sending them a letter advising they can only contact me in writing only.

Quite worrying..I'm about to respond back to them advising to contact me in writing only...
Do I also need to speak to cccs?

Ref: Community Pay Day*** - 17067690 / dmfn

We have not received an offer we consider reasonable from your debt management company/advisor. As per the OFT guidelines on Debt Management we are now entitled to, and will, pursue you directly for payment of your outstanding debt.

You need to contact us within 24 hours to come to an arrangement directly with us or we will pass your file onto Bailiffs to pursue.

We will seek a Court Judgment against you followed by a Warrant of Execution to seize goods and/or obtain an attachment of earnings.

We will shortly be registering a "default" on your national credit file which is shared between lenders. This will hinder obtaining any future credit.

We recommend you call us within 24 hours so we can come to an arrangement based on your circumstances.

WARNING : If you do not contact us this WILL be pursued by Bailiffs.

Yours sincerely,

DEBT MANAGER - Greg Campbell NORTHERN DEBT RECOVERY 0843 381 0843

NOTICE: The contents of this e-mail are intended for the named addressee only.

It contains information which may be confidential and which may also be privileged. Unless you are the named addressee (or authorised to receive for the addressee) you may not copy or use it, or disclose it to anyone else. If you received it in error please notify sender immediately and then destroy it.

Northern Debt Recovery Limited (NDR) is a company registered in England and Wales whose registered address is Northern Debt Recovery Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 6956396. Northern Debt Recovery Limited (NDR) is licensed by the Office of Fair Trading under Consumer Credit Licence number