DMP - Obstruction complaint?

SkintButHappy

Advice please

Im on a dmp with payplan, i owe roughly 4500. Tesco CC are still charging me £25 interest every month, and my monthly payment is only £38 to them. If you do the maths, my 2k debt with them is going to last forever.

My friend works for a fee paying debt management company and mentioned an Obstruction Complaint letter? It was a quick phonecall but she said something about they shouldnt be charging me so much interest and with one of these complaints i should be able to get my interest ive paid ove the 6 months. Shes supposed to be emailing me a template so i can send one myself but she hasnt yet. Does anyone know what this is, if this is true, and if so where i can get my hands on a template myself? I want to give this a go, like, yesterday if i can get my interest back.

HSBC are also charging me £3 a month interest where my monthly payment is £4.91. This will take me forever to pay off my £300 debt with them.

Any advice or suggestions please?

Thanks in advance

SkintButHappy

So no one can tell me anything about an obstruction complaint then?

eyeopener2

Any complaint is worth it, whether that is an "obstruction" complaint, which I have to say I never heard of or a standard "unfair treatment" complaint.

I tried with Barclaycard and marks and spencer but got nowhere.

Post the template when you get it, I will be interested in the wording.

Deep_In_Debt

National Debtline website has some good template letters you can use. Also, ask Payplan if they will write to the creditor also.

Good luck.

SkintButHappy

thanks guys ill speak to payplan and if i find a template ill post it