DMP & Mutual Support Thread - Part 9

Mossop01

Hi all, had a bit of worrying news today, my OH job is in the balance and without his wage we really will be up the creek, dont really know what would happen to us if this is the case ....worried.com
Find out next week, so not much sleep going on in this house!

cocoa1990

RonniesMummy wrote: »

I am currently being hounded by a payday loan company, yesterday was the missed payment date, they knew i was entering into a DMP a month ago as I told them and at that point they stopped me being able to look at my account online so I knew they knew.

But I have had about 20 calls a day, 20 texts and emails from them, and they won't listen when I say I am on a DMP, any other ideas what I can do? Currently have my phone on airplane mode to stop the calls coming to me as its driving me insane!!!!
x

I missed a payment with a payday loan company yesterday, I've received 23 phone calls to my mobile, at least one at work and god knows how many my poor parents have had to take. Speaking to them does stem the flow - I answered the call first thing yesterday morning, explained the situation and requested they don't contact me by phone, the only problem was that I couldn't give them my SC reference number, so the calls have started up with a vengeance again today! They did agree to remove my home and work phone numbers from their records, so long as I continued to take calls by mobile. We'll see!

Hopelessly_Hopeful

cocoa1990 wrote: »

I missed a payment with a payday loan company yesterday, I've received 23 phone calls to my mobile, at least one at work and god knows how many my poor parents have had to take. Speaking to them does stem the flow - I answered the call first thing yesterday morning, explained the situation and requested they don't contact me by phone, the only problem was that I couldn't give them my SC reference number, so the calls have started up with a vengeance again today! They did agree to remove my home and work phone numbers from their records, so long as I continued to take calls by mobile. We'll see!

You know you have a right to say only contact in writing?

HHx

cocoa1990

Hopelessly_Hopeful wrote: »

You know you have a right to say only contact in writing?

HHx

No, I didn't, that's interesting. I've been feeling very harassed today, and it's only the first of 14 payments to decline :eek:

How long roughly does it take for the DMP to be set up from when you sign the contract?

I honestly don't know what I'd do without this forum, I used to think bankruptcy was the only option available to fools like me but I'd much rather pay what I owe. I just hope they help make that manageable.

Hopelessly_Hopeful

cocoa1990 wrote: »

No, I didn't, that's interesting. I've been feeling very harassed today, and it's only the first of 14 payments to decline :eek:

How long roughly does it take for the DMP to be set up from when you sign the contract?

I honestly don't know what I'd do without this forum, I used to think bankruptcy was the only option available to fools like me but I'd much rather pay what I owe. I just hope they help make that manageable.

If you read back a few pages I posted the OFT guidelines to give you 30 days breathing space. There's also the letter template to say only in writing and what to do about harassment.

It will get better. DMPs can be set up in minutes. creditors getting the message can take a few months. Dont dispair though. If you send that letter off (recorded delivery) and they contact you again just take their name and report them to the FOS.


They rely on you not knowing your rights. Rather than taking their calls you may be wiser to spend your time on here or on debtline site to learn about your rights etc

HHx

Julie67

Time_to_face_the_music wrote: »

I was looking through some saved posts last night and came across this one:

Quote:
Originally Posted by thatsean
Remember 3 things:
1. You're not alone
2. There's nothing you can tell CCCS/Payplan that they haven't seen before
3. There's more to life than money, you need to get a handle on this to stop it happening again, but don't let debt ruin your life. Understand why you got into debt, and plan a way out of it, and feel proud that you are facing it head on.

With all of our new members, I thought it was a good time to bring this one up and hope it provides some support when you need it. It certainly has done for me.

Great advice and definitely worth remembering TTFTM I may write this out and pin it to the notice board beside my computer.

I've had a birthday today so I'm late posting, but just wanted to say I've had two more responses from creditors. One from Tesco saying they have accepted the repayment plan and advising they will issue a default and a termination notice so that we don't accrue any further interest and charges:j
The second from Sygma, Asda CC to say they accept the repayment plan and have reduced the interest to 0.254% for 12 months
So that's three who have accepted, two who have frozen interest and one who has reduced it dramatically. Still waiting on the other 5 but am pleased with this as a start. Couldn't have wished for better news today:D

Hopelessly_Hopeful

:bdaycake:Happy Birthday Julie:bdaycake:

poohbear59

Happy Birthday Julie. And thank you for sharing your post from Time to face the music. It has helped me to be able to put our troubles into perspective. I don't need to be afraid to talk to payplan on Monday. I have a call booked.

We have battled on for months thinking that if we didn't we would accrue more costs. Hopefully this way could give us a breather whilst paying what we can afford until DH is working again.

Time_to_face_the_music

:bdaycake:Happy Birthday Julie .... on this thread too!

I hope you have had a lovely day

Find_The_Real

Hello all

Sorry to read about a few problems in the posts today, I guess that is something we all experience on the DMP journey and I do hope you all get them sorted out. Good luck also to those sorting out those people who we keep in employment with all the calls they make!

I'm beginning to wonder it my phone has stopped working as so far all has been quiet but it can only be a matter of days before they are onto me.

Happy birthday as well Julie, I hope you had a good day.