Dmp Mutal Support Thread (Part Two)

SortingIt_2

Evening guys,

I just had to post to let everyone know that I am a numpty! I got home this evening to two pieces of post. I thought, here we go the letters have started but oh no - stupid idiot that I am forgot to sign and date the cheques that I sent to my creditors as token payments.....think I must have been stressed whilst doing it??? Thankfully I know I didn't do that on all of them as many have already been cashed...how silly am I!

Anyway, hope you are all having nice evenings. Sad as it sounds I am in bed on lap top as have to get up at 5am :-(

archer85

Good evening everyone :rotfl::rotfl::rotfl:
I'm in my study ((well poshed up word for computer room LOL )) sorting through all our creditor paper work or rubbish etc etc and have notice my partner hasn't got a copy of a signed credit agreement with First Plus. There is no credit agreement what so ever :eek: bar a booklet and that is about it.
I honestly do not re call seeing any thing when he took out the loan last year. Also we are not the kind of people to throw stuff away like that because we are hoarders if you say.
First plus have passed he's debt onto Red Castle then Eversheds (solicitors) who are pursuing whatever :rolleyes:.... anyway with out my partner possessing a copy of a signed credit agreement with them etc where does he stand.

Advise pleaseeeeeeee :EasterBun

Sorry if I'm being dim but this is out of curiosity.

Vicky x

JillyOJolly

The most horrid thing you might have to do is contact them and ask for a copy, they must have one on their files..... now if they dont.... that might be a whole different story cos I presume then they cant shove you for breaching something you havent signed.... The agreement is a written contract. Read the leaflet through though it might say that by signing the application form right in the beginning makes you agree to their terms and conditions, then they got you

rayday2

Yes there are template letters on National Debt Helpline website think you have to send them a cheque for a £1 too for the costs. I have a feeling there will be a signed credit agreement though because FIrst Plus send them out and you send them back and its if they have one not you, but you never know worth a go could have been an off day for them! I would love them to be wrong lol

ilovegreatdanes

hi,
just foned cabot re the £14 interest against my £5 payment!!!!!!have now stopped the interest and accepted the cccs plan, but wont refund the interest already charged so ,again my debt total has risen.same with m/ward, will accept plan, wont refund charges.
small victories, i suppose.just doesnt feel like it when the debt gone back up but am not dwelling.
re the free credit report.cant get mine .....tried website and they had probs with it so can only imagine how bad it is!!!!!
shame i dont live near ym and then i could do a reggie perrin.......
ttfn.
ilgd xx

rayday2

It is a small victory but its still a win! And next month you will owe less, sorry thats all the positives I can do today lol!

ilovegreatdanes

oh well, looks like a nice day out at the seaside then..........

archer85

Hiya
Thanks for your replies :j
Well it's worth a bash isnt it.....but i'm not sure we will be that lucky so i'll keep you all posted

You never know first plus may have a massive system crash and a huge fire and all paper work will be lost. :spam:

OOOOH i've just woke up :T

Vicky x

archer85

rayday2 wrote: »

It is a small victory but its still a win! And next month you will owe less, sorry thats all the positives I can do today lol!

I think we should all come up with a positive quote for each week like a mantra for everytime we feel pooh !!! :beer:

ermmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm

Vicky x

rayday2

I think if you feel Pooh Tigger or Eeyore will have something to say about it