Offers of payment being ignored(mbna and hfc)

honeybee_6

I have since June being trying to sort my debts out by offering the cc companies a reduced payments and a request to freeze interest.
3 out of the 5 companies agreed for 6 months(what will happen then as things are far from improving)? but MBNA just ignore every letter I sent , in which I include the payment offered although have just sent me a default notice .
Marbles (Hfc) keep requesting more information .I have sent them my tax credit details which has my income on , but being self employed my wage information apart from that is on basic book keeping.Obviously I sent an soa to both which I downloaded from the national debtline site .Its so annoying as their debt is far less than the others I am paying off .
And of course on both they are adding interestt and late payments and hassling me by phone(Goes on to answer phone and I have requested they dont phone as I have my elderly mother living with me who doesnt know the problems)>
I am so tired of continually writing the same letter and trying so hard to get it sorted.
I want to do this myself and not get additional help from the csa or paypal but it is so wearing.
Do I just keep sending the same letter, the payments and eventually try and reclaim some of the charges?
They will probably put a debt collection agency on to me which is scary and seems unfair as I am trying to do my best.
Any advice-Many thanks.

Leixlip1

MBNA will be a pain and will try to get you to take out a (secured) loan with one of their associated companies. It took me two months of writing to them (registered post) plus making the payments offered for them to eventually agree to the payment offered, freeze interest and charges etc for an initial 12 month period. Like you I am doing a self-managed DMP.
Be persistant, send everything recorded delivery, point out any other creditors that have agreed to payments etc and keep paying them what you have offered.
If the phone calls are bad change your number - BT did it for me within 48 hours.
Good luck.

poptart1_2

i have debts with the creditors you mention, i started a dmp a month ago and all have accepted offers made by my dmp company, hsce/ hfc havent even rung me , they just sent a letter accepting the offer, mbna phoned me 3 times and i just referred them to my dmp people and quoted my ref no,I would not discuss it furthur with them , they too have accepted offer, citi rang me once and the other 5 creditors have accepted and not phoned me at all, I think its been easier going through a 3rd party as I just referred creditors to them, insist you only correspond through letters, tell them to remove your phone no from their files . good luck,pm me if you want to as i was really worried when i first started out on the dmp but so far its been a doddle ( fingers crossed) love xxxxxxx:j

honeybee_6

Hi.Thanks.
A few follow up questions.
Is it the usual thing to receive the default notice when doing this and is it possible to avoid it apart from paying the full amount.
If you are trying to get your payments reduced and interest stopped etc could you try in the same letter to ask to reclaim the amount they have charged and interest they have added,particularly since the begining of the request(which for me was June-As of course the amount is souring up) or is it better to do this in a seperate letter.

I realised it was going to be hard ,but cannot believe that I have to keep sending the same letter which they have ignored.
I havent been sending recorded delivery though.

chevalier

Have they been cashing your payments? If they have then they are sort of accepting the situation even if they haven't in a letter yet. So there maybe some hope
chev

honeybee_6

Hi.Yes ,theres always a delay though-so it gets confusing.
I have offered to pay by direct debit .
The worst is MBNA saying I have ignored their requests for payments, when I send one letter per week approx.
I feels like we are going round in circles.

poptart1_2

hi again are you trying to do a dmp on your own ? i have heard that if you go through a third party its a lot quicker and simpler and they take more notice of a company handling it ( payplan, ccss or even some feepaying ones )its worked for me so far, might be worth a thought. honestly mbna have not been a problem for me, they have frozen interest and charges after 1 month and only phoned me 3 times in 5 weeks and then were not a problem. i owed them on 3 accounts as well ( 2 credit cards and 1 loan)