Advice on my Debts and my DMP

midnight_sun

Hi all

I just want to say thanks for all the advice you guys are providing. I'm not responding back to anything other than in writing, and getting used to the dirty, underhanded tactics they are playing.

Considering my first payment is due on the 1st Feb, I have to get used to it

laurel48

It does take a while as they really will try and make you pay up but the best thing is just to ignore them and being strong does help. If you do have any worries though feel free to have a moan/ask a question as we have mostly all been there

If they find they are not getting blood out of a stone they will give up and go onto their next victim who is more likely to pay.

You are on the right track and good luck with it all.

midnight_sun

Hi all. Done well so far in ignoring the phone calls, and emails from the scum-bags that are MH Bailiffs. And the so-called House visit didn't happen.

I've only just received this email. Anyone got any advice as to how to respond/whether to respond or not?


Commence Proceedings

Client: Community Pay Day - Community Pay Day***
Client Ref: 17067690

Date: 02/02/2013

We write to inform you that we have not heard from you and that we have been instructed to commence active recovery procedures against you for the collection of the above arrears which remain outstanding.

Full payment of the outstanding amount is hereby demanded within 7 days of this notice to prevent further recovery procedures commencing. Further recovery procedures which we will undertake are:

-further letters and telephone calls to contact you at your home and place of work if you do not respond to us;
-our agent will make visits to your premises for the purpose of discussing your debt; and
-we will gather all evidence and prepare your file for presentation to our Solicitors so that they can issue proceedings against you in your local County or Sheriff Court.

Should you be unable to pay in full within 7 days, an instalment plan may be accepted depending on your financial circumstances.

If you wish to pay by instalments you should contact one of our customer service operators as soon as possible on 08433811111.

Yours faithfully



Door Collections
Marshall Hoares Bailiffs
Telephone: 0843 381 1111

midnight_sun

I should also note, I sent an email, and a letter in the post, of a formal complaint, this was on thursday, but they obviously are not paying any attention!!! Grrrr

midnight_sun

I don't believe it. mh bailiffs responded back!!
As per the below, they don't seem to have taken into account my DMP. Any suggestions?

We are sorry to hear that you have a complaint about the service you have received. The company attempts to treat its customers fairly in all circumstances and we apologise if you believe the service you have received falls short of your expectations in any way.

Please accept this email as acknowledgment of your complaint. We have 8 weeks in which to try to come to an amicable agreement. If we are unable to come to resolve your complaint in that period, you will receive a Final Written Response. This will set out the company’s final position in respect of your complaint.

If you are unhappy with the Final Written Response and wish to appeal further you have the right to make a formal complaint with the Financial Ombudsman Service. You must make sure you do this within six months of receiving the Final Written Response or you may lose your right to ask the Ombudsman to review your complaint.

The contact details for the Financial Ombudsman Service are as follows:

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Website: https://www.financial-ombudsman.org.uk Email: complaint.info@financial-ombudsman.org.uk

Phone: 0800 023 4567 or 0300 123 9123

You may also be interested to read their pamphlet, “Your complaint and the ombudsman” which can be found at https://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

We hope that you find the information contained herein to be helpful and that we are able to resolve your complaint to your satisfaction.

I have thoroughly reviewed your file and can see that you have repaid £273 on a £400 loan taken out with Community Pay day on 17 th November 2012 for 14-28 days. As payment was to be made in full by the end of the loan period, you have been contacted in regards to debt collection.

I have taken the liberty of blocking outgoing phone calls, however, I cannot stop all automated system emails and SMS messages. While we will block communications as thoroughly as possible, this is under the condition that you make positive efforts to repay the loan.

Your outstanding balance is currently £1131. We will accept £527, payable in 6 instalments to close your file. This settlement is made in satisfaction of your complaint and is contingent on its withdrawal.

Please let me know in writing if you accept our offer. Alternatively, please let me know what else it is I can do to further resolve your complaint.

I look forward to hearing from you.

Yours sincerely,

Michael Lapides

Complaints Assistant

Web Loans Processing Limited

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.

midnight_sun

So I got this email:

I am writing in regards to my previous correspondence about your Community Pay Day complaint from 4th February 2013.

I have taken the liberty of blocking outgoing phone calls as you have requested, however, this is on the basis that you communicate with me by email.

Your outstanding balance is currently £1146, however, we will be happy to reduce this amount and freeze interest and charges if you enter a payment plan.

Yours sincerely,

Michael Lapides
Complaints Assistant
Web Loans Processing Limited


Can anyone give me some sort of help in regards to what I should say back to them in writing?

midnight_sun

I've responded back saying that I reject their offer, and that payments have begun with Stepchange, based on affordability.

midnight_sun

Guys - I really need some assistance into this.

I have been in contact with the CCCS as I've been checking my online DMP. Basically, they're not going to be paying Micro Credit - as they have found that they are under investigation as when payments are made to their account - they are not releasing them to the debts owed - so it looks like the debts are not being paid, when they are .

Now, I have received a "Doorstep notification letter" from them, even though I have advised I will only accept one under an appointment.

Now, seeing as Stepchange wont pay them, can anyone give me assistance on how I can pursue this? do I speak to them to arrange a payment, or leave it to Stepchange?

midnight_sun

If anyone has any advice on the above, that would be really helpful

midnight_sun

Finally, I managed to shut the traps of Northern Debt Recovery/Marshall Hoare/Community Payday!

After lodging an official complaint with them, I got this email back:

I have spoken with Step Change and accepted their proposal to pay £24.28pcm. You will shortly receive a system generated email to confirm your payment plan and that communications and interest and charges are frozen on your account.

Please let me know if you have any questions or concerns.

Yours sincerely,

Michael Lapides
Complaints Assistant
Web Loans Processing Limited