DMP & Mutual Support Thread - Part 9

Sazzie23

Hi all, back again

came across this post on the DFW forum board
https://forums.moneysavingexpert.com/discussion/4818729

Might interest some of the readers here.

Hope its OK to post the link here

Growurown

Sazzie23 wrote: »

Thanks GUO - numpties united:rotfl:

Meant in an affectionate way of course! ;)

BevieB

Puzzcat wrote: »

Hi jubilee, have you complained and if so did you follow it up with the fos?

We complained to FSO and they upheld Halifax decision. However soon after this the Halifax passed us over to a DCA and interest was frozen. Took approx. 12 months in all.

jubilee14

BevieB wrote: »

We complained to FSO and they upheld Halifax decision. However soon after this the Halifax passed us over to a DCA and interest was frozen. Took approx. 12 months in all.

I phoned FOS the yesterday and they said if the complaint was over 6 months there was nothing they could do. have found their last letter and doesnt refer to FOS so will phone back FOS tomorrow and see if i have any luck.

BevieB now at a year in and with interest being applied it will take till 2020 to clear the debt i think.( cant bear to update my sig just yet) and thats if brclys dont re-introduced interest when the debt level goes down .

Just keep on plugging away.

Sazzie23

Growurown wrote: »

Meant in an affectionate way of course! ;)

Absolutely :cool:

Hi jubilee sounds like it there is hope, I know the end seems a long way off but something might improve in the meantime, keep moving forward, even if it's only a little

Growurown

:wave: Morning fellow DMPers.

Hope everyone is doing well with their plans.

We ordered some prezzies for Christmas from Amazon. Not much but they were supposed to have been delivered this week but never arrived. We were told they went to the wrong address and that we should cancel our order and re-order which we duly did. The following day two lots of prezzies turned up :huh:

I'm not sure how that happened as the courier company told us the goods were delivered elsewhere. Now we are trying to send one lot back and boy do they make it difficult. They won't let us post them back by RM. A courier has to collect them and come between 8am and 6pm. We both work and asked if they could be more specific but they can only do that on the day they deliver and would call us in the morning to let us know, by which time is too late to make alternative arrangements. So we haven't been able to organise to return the duplicates.

OH says we should just hang onto them and see if they pursue it, but I am for all my sins an honest person and not very comfortable with that idea. If it was you would you keep them?

Find_The_Real

They have done this a few times to a family relative but as they are at home most of the time it has not been too much of a problem. Is there anyway the couriers can pick them up from your work address or another person you can leave them with or is that making it too complicated?

You could also have a moan and see what Amazon come back with as that quite often helps with them if you push it enough!

I'm afraid I am way too honest and wouldn't want to keep it.

Katielkc

I am struggling, I have now paid 2 payments to Money group so 15th December they will finally start paying off my creditors, though I am really getting down on things as today was payday..just not for me! Its nearly xmas and after splitting from childs father approx 1 month, has been new house, new rent new double bills as only 1 wage its been a struggle to say the least!

Can someone just tell me it gets easier and eventually I'll be able to treat my daughter to something that wil lmake her eyes light up at xmas??

I now have an outstanding loan that hasn't been paid..that cold do with being paid from MRlender..i pay recurring rollover fee of ~£87 can i now add this onto my DMP? x

Puzzcat

Katielkc wrote: »

I am struggling, I have now paid 2 payments to Money group so 15th December they will finally start paying off my creditors, though I am really getting down on things as today was payday..just not for me! Its nearly xmas and after splitting from childs father approx 1 month, has been new house, new rent new double bills as only 1 wage its been a struggle to say the least!

Can someone just tell me it gets easier and eventually I'll be able to treat my daughter to something that wil lmake her eyes light up at xmas??

I now have an outstanding loan that hasn't been paid..that cold do with being paid from MRlender..i pay recurring rollover fee of ~£87 can i now add this onto my DMP? x

Hi and welcome,

Sorry I don't know who moneygroup are but they don't sound like a free dmp provider or are they a company you owe money too?

Are you currently in a dmp, in which case all your creditors should have been included at the start.

Can you clarify?
Love Puzz

fermi

Puzzcat wrote: »

Sorry I don't know who moneygroup are but they don't sound like a free dmp provider or are they a company you owe money too?

Moneygroup DMP costs.

Initial Fee: Your first two monthly payments which are paid to Us as a set up fee and not paid to Your Creditors. :eek:

Monthly Fee: the Monthly Fee payable for our Services. This is 17.625% of Your Monthly Payment (apart from the first two payments which are the Initial Fee), subject to a minimum of £35 and a maximum of £100. :eek::eek::eek: