Default letter today

chish

Hi . I recieved a default letter today from the halifax ..they are demanding £585 to bring it up to date ...i am on a dmp with this .. i havent got £585 ..these are the ones that harrass me every day at work ..what do i do now
Chish

sourcrates

chish wrote: »

Hi . I recieved a default letter today from the halifax ..they are demanding £585 to bring it up to date ...i am on a dmp with this .. i havent got £585 ..these are the ones that harrass me every day at work ..what do i do now
Chish

Nothing, except keep paying your DMP.

What you have received is a computer generated letter, they are oblighed to send you under the consumer credit act because you are not making contracted payments.

It does not take account of your DMP.

Ignore it, and carry on as you are.

Rainy-Days

Someone else will be along in a bit to help you even better with this, Sourcrates is pretty good!

I was always of the impression that they were not allowed to phone you at work and cause you upset and distress - I am sure that there is some kind of 'rule' with the Ombudsman about this that they all have to abide by! If they are phoning you on your mobile phone then can you either block the number from your phone or put the number in your phone which shows up Do Not Answer Halifax and have it switched to silent?

Don't worry about the Default letter thats standard - so whatever you do don't panic. You are on a DMP and making prescribed payments. Others will be along in a bit it's just I was on the board and read this so thought I would give you a quickie reply to take the 'sting' out of it a bit for you

Rainy-Days

You beat me to it Sourcrates! :j

sourcrates

As rainy days said, if the Hellifax are hassling you on the phone, write to them and tell them to stop, tell them you concider it harassment, and if they must contact you, to do so in writing only.

And if they persist in ignoring your wishes, say you will report them to there regulator, the FSA.

fatbelly

Rainy-Days wrote: »

I was always of the impression that they were not allowed to phone you at work and cause you upset and distress - I am sure that there is some kind of 'rule' with the Ombudsman about this that they all have to abide by! If they are phoning you on your mobile phone then can you either block the number from your phone or put the number in your phone which shows up Do Not Answer Halifax and have it switched to silent?

op needs to write to them

https://forums.moneysavingexpert.com/discussion/5386971

Sazzie23

I found some creditors used to call me because they hadn't got details of my DMP.

When I actually spoke to them, they were OK once Stepchange had notified them again of the DMP. Occasionally account numbers get missed off paperwork and stuff, so it's worth re-iterating details of the plan you are on. But tell them once and for all if they contact you at work you will make a complaint to Ombudsmen.

Regards the default letter, as others have said, it's a requirement of debtors legislation that they send it, it you are in a plan already, file it.