DMP & Mutual Support Thread - Part 9

fermi

Perhaps useful: http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=10121

jubilee14

fermi wrote: »

Perhaps useful: http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=10121

ooh that would be great if it worked out. Can you only complain once? As FOS has different view point due to length of time. might have made my initial complaint a bit pointless same thing hfx reduced interest rate and am clearing 23 quid off a 10k debt its going to take many more years to close if nothing is done. i missed my 6mth cut off with FOS ( my fault)

Mossop01

Hi all, does anyone have any problems with next? My dmp is paid on time and then distributed to my creditors, however every month I get a red letter from next saying payment plan is stopped and late payment charges applied as I have missed a payment. I rang SC who say they are paid on time but take a long time to process the payment. So every month do I have to ring next for them to tell me not to worry they know about dmp and refund the charges? I'm getting a bi sick of ring them to be put on hold for 20 mins every month so they can refund charges and reinstate the plan!

andrar

Time_to_face_the_music wrote: »

The follow up:

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

FOS details:

0300 123 9 123 or 0800 023 4567
Monday to Friday – 8am to 8pm
Saturday – 9am to 1pm

If you need help, phone them now but be quick, they close at 8pm

Thanks for these! I was wondering what to do next for one of my creditors as they've told me tough we're still going to charge to loads of interest deal with it. I shall now be complaing to the FOS.

Hunnies

Hi Everyone,

I'm hoping someone will be able to help us with a question.

We are expecting a baby and due to such a small house we were looking to move to a bigger house with a bedroom for this baby. We currently have 20k equity and would be wanting around 25k on top of the value of our house. Eg Mortgage balance 95k, value of house 115k and new house 140k. I've spoken with Stepchange and they have checked with their lender's (normal High Street lender's) and have replied to say their lender's are unable to help us at the moment.

Our question is: Does anyone know of any mortgage companies/broker's that will help out people on a DMP?

I'd really appreciate any assistance anyone could give.
Thanks

Find_The_Real

Hello Hunnies

It is probably likely that due to your DMP, especially if there are defaults, that getting a larger mortgage will be very difficult. You could ask over on the house buying board as there are a couple of whole of the market brokers that post on there, who are generally very good with mortgage advice.

http://forums.moneysavingexpert.com/forumdisplay.php?f=16

Find_The_Real

Mossop01 wrote: »

Hi all, does anyone have any problems with next? My dmp is paid on time and then distributed to my creditors, however every month I get a red letter from next saying payment plan is stopped and late payment charges applied as I have missed a payment. I rang SC who say they are paid on time but take a long time to process the payment. So every month do I have to ring next for them to tell me not to worry they know about dmp and refund the charges? I'm getting a bi sick of ring them to be put on hold for 20 mins every month so they can refund charges and reinstate the plan!

I'd be sending off that letter of complaint to them about it all making it clear that the payment from SC is made every month around the 25th and to sort it out. I'd also have a moan about you having to keep contacting them to sort this out on a monthly basis.

Find_The_Real

Time_to_face_the_music wrote: »

Life's a bit crap at the moment with serious worries about the threat of redundancy and my twin HH has given me official permission to be a miserable cow

Just wanted to wish you all the best with the job and that it is not the bad news. Having been through the wait to see if I kept a job myself last year, the not knowing is the worst but keeping everything crossed it doesn't happen.

In the meantime be as miserable as you like

Hunnies

Find The Real - Thanks very much, I'll post over there now. x

Growurown

Afternoon fellow DMPers. As previously mentioned I am trying to get through this month on a shoe string. Now OH's employers are sending him away for a few days and we have to fund this too:( He has to book his travel and then they will re-reimburse him but there's no spare money to do this so we are dipping into the £500 emergency overdraft. Not the end of the world, the bank won't care and the charges are very small. When I started on my DMP other posters said 'don't be tempted by the overdraft!' but I am glad we hung onto it as it has proved to be very useful. Just got to resist the temptation to spend it on stuff we want rather than stuff we really need.