Debt making me very very depressed

tasha999

It's amazing how talented a person can become at recognising phone numbers and letters before even answering or opening! It's an art I can say I've learnt in the past five years

Good Luck Debtfree12000 it really does get easier with time.

debtfree12000

Well they never showed up? I donno i wish this whole ordeal was over :-( xx

fatbelly

debtfree12000 wrote: »

Well they never showed up? I donno i wish this whole ordeal was over :-( xx

You have to start from the position that nothing they say is true.

To my previous list you can add:

3.13 Examples of unfair or improper practices are:

a. not making clear the purpose and intended outcome of any proposed visit

For example, it is not sufficient to inform the debtor that collectors or field agents will visit him and not tell him the intended purpose of the visit.

You really ought to put in a written complaint

debtfree12000

Oh my god! I cannot believe it!! just logged onto my online hbos account and it states 'your account is currently subject to a regular repayment plan please contact us if you need to on ....' ... does this mean that they actually have accepted the DMP? If so I am gonna cry with happiness ... sorry for the hysteria its just been so stressful lately. xx

sourcrates

debtfree12000 wrote: »

Im going to be strong. Im just worried i will end up in court, guess it could be worse and i had buried my head in the sand for longer. Ive learned from this experience :-) xxxxx

Even if court action were started you most likely would not have to attend, you just fill in a form(defence) and return to the court, I believe its only secured debt that requires a court appearance in person, although not 100% sure on that.

Sazzie23

debtfree12000 wrote: »

Oh my god! I cannot believe it!! just logged onto my online hbos account and it states 'your account is currently subject to a regular repayment plan please contact us if you need to on ....' ... does this mean that they actually have accepted the DMP? If so I am gonna cry with happiness ... sorry for the hysteria its just been so stressful lately. xx

Hi DF1200

I think HBOS seem to be saying they are rejecting DMP to everyone. Sounds like the DMP is working OK.

I suggest this to everyone so apologies if you've seen it before but if I have a wobble I re-read the advice about baliffs and stuff on the Stepchange or Debtline websites. It makes you realise they are not a bad person, & you don't have to let DCA's in unless they are from the court.

I also stopped answering my phone from Jan this year. I have it set so unrecognised numbers don't sound and I put some of the regular numbers in so I can see which ones tried to call me. I haven't had a call now in several months (6/7 months into DMP).

It is scary, but the worse should be over and if you can keep up your DMP then things should start to improve. Good luck

debtfree12000

Hopefully they have finally accepted the payment plan they received the payment and its been accepted to the account. So im hoping that once they get their payment they leave me alone. Thanks for the replies xx

Mothermercury30

Hi there. Hang on in there- We all are, and it gets better when you have admitted there's a problem. Then you can DO something!

Read "The Money Secret" by Rob Parsons, too- you'll feel better very quickly.

debtfree12000

Well it looks like they have accepted however told me i will continue to receive default notices etc .... Guess the main thing is the plans underway now. Thanks again for all of your responses xx

debtfree12000

Just to say a huge thanks, been on my DMP now near 6 months and its bliss although debts are reducing gradually all is going well. Cheers all xxx:rotfl: