DMP & Mutual Support Thread - Part 10

blisteringblue

Barclay's up to their shenanigans again then. Coming up to 1st year review, got a letter stating they have asked Stepchange for new info and have got no reply. Therefore they can only assume they are no longer acting on our behalf. Jokers. Scanned letter and forwarded to Stephchange as can't be bothered even ringing them. Will chase before the deadline they quoted for reinstating interest.

I'm so tempted to £1 both our Barclaycards for 6 months just to get them to a DCA because they are the only company to give any sort of grief. We are lucky it's only a little interest on Mrs BBs card, mine is still 0% but judging by this letter they are hoping to worm out of that it would seem.

neiljmuk

blisteringblue wrote: »

Barclay's up to their shenanigans again then. Coming up to 1st year review, got a letter stating they have asked Stepchange for new info and have got no reply. Therefore they can only assume they are no longer acting on our behalf. Jokers. Scanned letter and forwarded to Stephchange as can't be bothered even ringing them. Will chase before the deadline they quoted for reinstating interest.

I'm so tempted to £1 both our Barclaycards for 6 months just to get them to a DCA because they are the only company to give any sort of grief. We are lucky it's only a little interest on Mrs BBs card, mine is still 0% but judging by this letter they are hoping to worm out of that it would seem.

The prob is, as per Puzzcat's replies to my posts up the page, and SC not allowing you to lower payments to certain creditors. I've queried being creative in getting them to just drop BC from the plan down the line if I need to even if it means pretending that debit is paid up, or perhaps we can leave step change and go self managed, screw over BC and get that debt passed to DCA, then re-join stepchange saying woops, sorry, I'm not doing so good self managed. A lot of faffing, but you get out what you put in I'm guessing.

blisteringblue

neiljmuk wrote: »

The prob is, as per Puzzcat's replies to my posts up the page, and SC not allowing you to lower payments to certain creditors. I've queried being creative in getting them to just drop BC from the plan down the line if I need to even if it means pretending that debit is paid up, or perhaps we can leave step change and go self managed, screw over BC and get that debt passed to DCA, then re-join stepchange saying woops, sorry, I'm not doing so good self managed. A lot of faffing, but you get out what you put in I'm guessing.

I will just go self managed at this point.

Just had a missed call on my mobile and house from an 0800 number, I never answer them and always look them up. Guess Who? Barclaycard !! By far the worst of any of our creditors, including some of the mickey mouse cards.

Puzzcat

blisteringblue wrote: »

Barclay's up to their shenanigans again then. Coming up to 1st year review, got a letter stating they have asked Stepchange for new info and have got no reply. Therefore they can only assume they are no longer acting on our behalf. Jokers. Scanned letter and forwarded to Stephchange as can't be bothered even ringing them. Will chase before the deadline they quoted for reinstating interest.

I'm so tempted to £1 both our Barclaycards for 6 months just to get them to a DCA because they are the only company to give any sort of grief. We are lucky it's only a little interest on Mrs BBs card, mine is still 0% but judging by this letter they are hoping to worm out of that it would seem.

Hi bb,
I had the exact same letter at review time, I did ring them and sc and all has carried on the same.......for now.......
Puzz.x

Puzzcat

Dixi64 wrote: »

Hi folks - Sazzie recommended I join you as I'm just about to begin the journey to debt freedom via a DMP. I was a member of the very first DMP group back in 2007 and shamefully find myself back here again. But this time there will be no more credit for me ... my mantra will be aiming to be debt free but not complacent. Look forward to sharing the journey.

Hi Dixi,
And welcome...I did read your other thread and saw that sazzie had directed you back here. Your story though sad is also very inspiring and I'm sure we can all learn from each other. I look forward to sharing your journey.
Puzz.x

blisteringblue

Puzzcat wrote: »

Hi bb,
I had the exact same letter at review time, I did ring them and sc and all has carried on the same.......for now.......
Puzz.x

Cheers Puzz, I might answer the next one then. I've scanned the letter and posted up to my SC account, they normally take a week to answer them but that should sort it.

neiljmuk

If a creditor freezes interest then issues a full default, can they re introduce interest at a later date or does the default prevent this? Like wise, if they set interest to a value, say 5% can the default you and keep the interest at 5% and is it then allowed to be varied, or must it be frozen? Hope that makes sense?

January2015

First contact from one of our creditors - MBNA

Lovely letter saying they accept our offer, have reduced interest to 0.00% (please see statement for monthly equivalent rate:rotfl:) and will waive all future late, overlimit and returned payment charges during this time.

It does warn they may register a default (yes please )

So one down 11 to go. Funny thing is we have 3 accounts with MBNA, but 2 of them are listed by SC as Newday. I've contacted SC to find out why they are listed like that and will update when I find out.

I'm going to contact MBNA as it states first payment due beginning of March but SC are only collecting first DD on 1st March so they won't get paid until end March.

Puzzcat

January2015 wrote: »

First contact from one of our creditors - MBNA

Lovely letter saying they accept our offer, have reduced interest to 0.00% (please see statement for monthly equivalent rate:rotfl:) and will waive all future late, overlimit and returned payment charges during this time.

It does warn they may register a default (yes please )

So one down 11 to go. Funny thing is we have 3 accounts with MBNA, but 2 of them are listed by SC as Newday. I've contacted SC to find out why they are listed like that and will update when I find out.

I'm going to contact MBNA as it states first payment due beginning of March but SC are only collecting first DD on 1st March so they won't get paid until end March.

Hi January,
I did token payments and wrote a letter for each month a payment was missed. Definitely worth letting mbna know or send a token and letter stating dmp payment from sc will be paid on 25th March.
Puzz.x

January2015

Hi Puzz

I've just logged into the online account and paid £1 and sent a message through their secure message system to advise of the start date of the DMP and when they should expect first payment.