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On DMP one debt sold but don't know who to - please advise

Gaia2014
Gaia2014 Posts: 259 Forumite
Tenth Anniversary Combo Breaker
edited 11 September 2014 am30 11:35AM in Debt-free wannabe
Hi

I've started a DMP with StepChange - 1 month in. However, StepChange are unable to make a payment to one company because the debt has now been sold on. StepChange have asked me to contact the original company and request information regarding who they have sold the debt to. I find contacting companies quite stressful and thought that was the role of the DMP - possibly because StepChange a non fee charging organisation they have their limitations?

The other problem problem is, I have no paper work for the original company in order to contact them anyway. The debt is for around £200. I could sit and wait for new company to contact me but then I run the risk of charges being applied. I think the debt was sold on when I changed from one DMP to another. Please advise. Thanks.

Comments

  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Gaia2014 wrote: »
    Hi

    I've started a DMP with StepChange - 1 month in. However, StepChange are unable to make a payment to one company because the debt has now been sold on. StepChange have asked me to contact the original company and request information regarding who they have sold the debt to. I find contacting companies quite stressful and thought that was the role of the DMP - possibly because StepChange a non fee charging organisation they have their limitations?

    The other problem problem is, I have no paper work for the original company in order to contact them anyway. The debt is for around £200. I could sit and wait for new company to contact me but then I run the risk of charges being applied. I think the debt was sold on when I changed from one DMP to another. Please advise. Thanks.

    As long as you know who the original debt was with then Google is your best friend to find contact details. You will have to do this yourself, stepchange do the initial contact with creditors but it is up to you to provide them with these details. They are only people at the end of a phone line, all creditors I have spoken to have been fine if not pleasant!
    Christmas 2020 £109
    I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
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