Payment offer from SC refused by Halifax

rubyinthesky

Just going into the second month of my DMP with StepChange. All seems to be going rather smoothly - don't speak too soon!

However, I had a letter this morning saying that Halifax have refused the payment offer from SC. They are one of the lesser amounts I have outstanding at £2k.

What happens with this? SC say they will continue sending the payment and I don't need to worry?

FireWyrm

Well, they can spit their dummy out all they like, but if you are confident that you have fairly apportioned what money is available (and you can afford), then there is little they can do about it.

Im not sure whether SC need to write, or you do, but either way, someone needs to tell them (politely) to suck it up.

Stewart_78

A few of mine did this but just went quiet in the end. I would ignore it. You'll get all sort of nonsense at the start of a DMP. It usually all settles down in the end.

fermi

You can always complain and remind them that the FCAs rules say that:

1.1.4 (4) Principle 6 (a firm must pay due regard to the interests of its customers and treat them fairly);

7.3.4 R Where a customer is in default or in arrears difficulties, a firm should allow the customer reasonable time and opportunity to repay the debt.

7.3.6 An example of where a firm is likely to contravene Principle 6 and CONC 7.3.4 R is where the firm does not allow for alternative, affordable payment amounts to repay the debt due in full, where the customer is in default or arrears difficulties and the customer makes a reasonable proposal for repaying the debt or a debt counsellor or another person acting on the customer's behalf makes such a proposal.

eyeopener2

Some no Mark has decided they will try and bully you,so just carry on paying what you're paying and things will settle down.

And people wonder why I have such a hatred of banks and debt collectors! They do not understand the meaning of fairness.

Chrisblue1962

fermi wrote: »

You can always complain and remind them that the FCAs rules say that:

Sorry to hijack the thread but I have a question:

Fermi,

Have you any idea what happens if a bank/ buildng society breaches FCA rules?

Nationwide BS requested and got a CCJ and Charging Order against me in March 2012 despite the fact that I was and remain on a DMP and was paying and continue to pay it.

Can I make a retrospective complaint and to whom?

marliepanda

Chrisblue1962 wrote: »

Sorry to hijack the thread but I have a question:

Fermi,

Have you any idea what happens if a bank/ buildng society breaches FCA rules?

Nationwide BS requested and got a CCJ and Charging Order against me in March 2012 despite the fact that I was and remain on a DMP and was paying and continue to pay it.

Can I make a retrospective complaint and to whom?

A DMP is informal and does not stop a company obtaining a CCJ against you sorry.

rubyinthesky

Thanks all.

And that's scared me! A CCJ and. Charging Order. My husband would divorce me!

FireWyrm

rubyinthesky wrote: »

Thanks all.

And that's scared me! A CCJ and. Charging Order. My husband would divorce me!

Relax. It is unlikely, especially the Charging Order. A CCJ is possible, but really, you are doing you best to pay, they cant ask more than that. Debt management has really become an issue in the last 5 years or so and creditors are starting to get the hang of dealing with it. In decades past, they would send the equivalent of 'the boys' round to get heavy with you...these days, they just shrug and let you get on with it.

owen_money

I found with Halifax they moaned on for a few month then sent the debt to their in-house DCA (Blair, Oliver, Scott), and once it was there it was accepted and that was that.

rubyinthesky

owen_money wrote: »

I found with Halifax they moaned on for a few month then sent the debt to their in-house DCA (Blair, Oliver, Scott), and once it was there it was accepted and that was that.

Sounds like that was the problem - it's never defaulted until now. StepChange said as much - it needs to remain unpaid for a few months, and then they will default and pass to DCA I think.