DMP & Mutual Support Thread - Part 10

BeingDebtFreeStartsHere

Hi everyone!

Hope you are all ok? Sorry not been on for a while but had a hectic time over the last couple of months!!

DMP was all going smoothly until last month and just wanted to see if any of you lovely people on here can advise. We need advice as we are worried about what may happen next

We paid our normal payment via direct debit to SC on 1st December. Due to Christmas SC apparently paid the creditors earlier (around 19th Dec). We had no idea that there had been any problems until we got a letter from Lloyds threatening to take further action unless we paid the debt. We contacted SC who advised that due to the early payment Lloyds hadn't processed the payment so it was showing as 'missed'. We contacted LLoyds and explained and they said they would put the account on hold for 30 days until the problem was sorted. They asked us to contact SC to inform them of what was happening via the portal which we did. SC said that it may be that the payment will go in with the one sent in January and for us just to sit tight and wait.

My husband went to log on to his accoun ttonight to check to see if the payment has been credited yet and his account had disappeared from his online banking. He tried to phone the collections dept at LLoyds only to be informed via automated message that his debt has now been passed to a recoveries team. He phoned SC who said we need to find out who the company is that now hold the debt so they can pay them instead of Lloyds.
We can't speak to Lloyds collections dept as it won't let us speak to anyone, just comes up with this automated message. We are worried they will send people round to try and get the money we owe which we cannot pay.

The thing that annoys us most is that we have not done anything wrong - this has happened because there has been an issue with the payment getting from SC to Lloyds. We have kept our part of the contract by paying SC on 1st month as agreed and now we find ourselves in this position because of an error that has occurred that has nothing to do we us.

Has anyone got any advice on what we should do next - just extremely cross that we now find ourselves in this situation when we have been keeping our monthly repayments going to SC. We have lost our faith in them at the moment

Thanks in advance everyone,

BDFSH x

System

Wow, so much advice on here tonight.....thanks guys. The letter templates are brilliant, I didn't realise we would need to write to everybody.....or should I say I would need to write to them, as hubby is actually not doing much to help so far.....I have be getting new bank accounts open, I have worked out all our debts, I have to sort out changing all the DD's and work out all the money.......I feel like I am going round and round in a circle and getting nowhere at the moment.

Puzzcat

BeingDebtFreeStartsHere wrote: »

Hi everyone!

Hope you are all ok? Sorry not been on for a while but had a hectic time over the last couple of months!!

DMP was all going smoothly until last month and just wanted to see if any of you lovely people on here can advise. We need advice as we are worried about what may happen next

We paid our normal payment via direct debit to SC on 1st December. Due to Christmas SC apparently paid the creditors earlier (around 19th Dec). We had no idea that there had been any problems until we got a letter from Lloyds threatening to take further action unless we paid the debt. We contacted SC who advised that due to the early payment Lloyds hadn't processed the payment so it was showing as 'missed'. We contacted LLoyds and explained and they said they would put the account on hold for 30 days until the problem was sorted. They asked us to contact SC to inform them of what was happening via the portal which we did. SC said that it may be that the payment will go in with the one sent in January and for us just to sit tight and wait.

My husband went to log on to his accoun ttonight to check to see if the payment has been credited yet and his account had disappeared from his online banking. He tried to phone the collections dept at LLoyds only to be informed via automated message that his debt has now been passed to a recoveries team. He phoned SC who said we need to find out who the company is that now hold the debt so they can pay them instead of Lloyds.
We can't speak to Lloyds collections dept as it won't let us speak to anyone, just comes up with this automated message. We are worried they will send people round to try and get the money we owe which we cannot pay.

The thing that annoys us most is that we have not done anything wrong - this has happened because there has been an issue with the payment getting from SC to Lloyds. We have kept our part of the contract by paying SC on 1st month as agreed and now we find ourselves in this position because of an error that has occurred that has nothing to do we us.

Has anyone got any advice on what we should do next - just extremely cross that we now find ourselves in this situation when we have been keeping our monthly repayments going to SC. We have lost our faith in them at the moment

Thanks in advance everyone,

BDFSH x

Hi
All sounds very frustrating and a little bit confusing! So did Lloyd's reject the early Dec payment or take this and then expect another on the 25th? As for getting through the phone system I find if you press enough buttons you eventually get to talk to a human! If the debt has been passed to a dca then they should write to you with the up to date details. I would be tempted to spend as much time on the phone as it takes to actually speak to someone at Lloyd's who can clarify this for you.
Although I can appreciate the frustration, Stepchange obviously wouldn't be working on Christmas day so payments would always be early and as such think the blame is at Lloyd's door not SC' s.
Puzz.x

jubilee14

HI BDFSH,

when i was setting up my DMP one of my loans just wasnt getting accepted. What happened was it would show red and on hold in my SC account. If it hasnt then it means that Lloyds have got the payment.

If they've taken off line it could be they are starting to go down the default route but the soooner for this the better as it will fall off you credit file sooner.

The one i had problems getting paid was actually the first to be defaulted. Had to wait another year for one and BC are still showing as AP.

Which ever way it should sort itself out.

January2015

Hi everyone
Probably a daft question, but here goes anyway We completed the Debt Remedy online with StepChange and requested an application pack on 12th January. Will we have to have a meeting with a StepChange debt advisor or can this all be done through email / mail ?

The application pack hasn't arrived yet, and I'm beginning to wonder if I have missed a step somewhere

Sazzie23

January2015 wrote: »

Hi everyone
Probably a daft question, but here goes anyway We completed the Debt Remedy online with StepChange and requested an application pack on 12th January. Will we have to have a meeting with a StepChange debt advisor or can this all be done through email / mail ?

The application pack hasn't arrived yet, and I'm beginning to wonder if I have missed a step somewhere

Hi January,

Did you check the emails you got back after the online debt remedy, I recall there being something hidden at the back of one of them. Hard copy wise I suspect it may take a while but email SC with your ref number and ask them.

Meantime get your account numbers, up to date balances, and banking details ready so you can crack on as soon as you get the paperwork.

January2015

Sazzie23 wrote: »

Hi January,

Did you check the emails you got back after the online debt remedy, I recall there being something hidden at the back of one of them. Hard copy wise I suspect it may take a while but email SC with your ref number and ask them.

Meantime get your account numbers, up to date balances, and banking details ready so you can crack on as soon as you get the paperwork.

Hi
I did receive the debt remedy pdf from StepChange but that just said

"What to do next - f you want a DMP go back to the last screen of StepChange Debt Remedy and click on the ‘Request application pack’ button. It will ask you to give us your personal details so that we can send you all the information you need to set up a DMP."

I did that on 12th January and haven't had anything else at all. I did try and log back on to the debt remedy using my reference number and I can't anymore as it now says

"As you have chosen your debt solution we have saved your Debt Remedy so that we can process your information."

So I guess I am just super impatient I will give it until Friday and if nothing is here by then I will phone them.

Thanks for responding to my questions - it helps to hear some sense from others who have been through the process :beer:

Puzzcat

January2015 wrote: »

Hi everyone
Probably a daft question, but here goes anyway We completed the Debt Remedy online with StepChange and requested an application pack on 12th January. Will we have to have a meeting with a StepChange debt advisor or can this all be done through email / mail ?

The application pack hasn't arrived yet, and I'm beginning to wonder if I have missed a step somewhere

Hi,
No you don't attend any meetings it's all online or by phone.
Puzz.x

Coinmachine

Goog luck to all the newbies, I was in this position a year ago and its flown by. You will go through some stresses on the way but for every one a visit to this site will calm your nerves and in a years time it will be you saying this to the newbies.

moneyworrier89

Hello all,

Now my DMP is all set up on and online what happens now? Do I wait for letters from my creditors to advise if they've frozen interest or will Step Change ? I am applying for a savings account with my basic bank account so will begin to start saving for an emergency fund also.

I wish I could say I feel relieved but I feel so worried, more so than usual that my creditors will refuse and take me to court. I don't think I will feel relieved until my first payment has come out but now I have down that I have missed my loan payment so that's going to increase my arrears. I have now been put on anti-depressants as I feel so stressed. Any advice would be greatfully appreciated. Is it normal to feel like this?