Default on DMP with payplan

dutchbo

I have been running a DMP through Payplan for around 4 years but over the past 5 months I havn't been able to pay a penny, buried my head (ignoring letters, phone calls and emails) and the long and short of it is that my plan has been cancelled.
I now REALLY dont know what to do! I have sent them an email asking if I can start up again but have had no reply as yet.

Also I really need a record of what I have paid the creditors and also the start amounts of the debt as it was so long ago now i have no record myself! Are they obliged to give me those details?

Thanks for any help!

sugarplum10

dutchbo wrote: »

I have been running a DMP through Payplan for around 4 years but over the past 5 months I havn't been able to pay a penny, buried my head (ignoring letters, phone calls and emails) and the long and short of it is that my plan has been cancelled.
I now REALLY dont know what to do! I have sent them an email asking if I can start up again but have had no reply as yet.

Also I really need a record of what I have paid the creditors and also the start amounts of the debt as it was so long ago now i have no record myself! Are they obliged to give me those details?

Thanks for any help!

im not sure what you can do hun, can you call payplan and speak to them about your revised situation and new circumstances, maybe then take it from there.??

dutchbo

I can't call them as i have no credit (it really is that bad at the moment!!) but I have sent an email explaining things. Fingers crossed eh?

dutchbo

I have called payplan and restarted my DMP. I recently received a CCJ from one of my creditors.

the problem I'm having is that the creditors are still continuing to charge me interest etc. For example the original amount i owed barclaycard was £2400, this is now £4200 despite me paying my DMP for 5 years!!! This surely isnt fair?
I really dont know what to do.

Does anyone have any experience with a DRO?

thanks:money: