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DMP Mutual Support Thread - Part 12

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  • Mr_Yellow
    Mr_Yellow Posts: 5 Forumite
    Hi All,

    First post for a couple of weeks, but I thought it would be good to update my situation with this forum. So my DMP is set up with Step Change, and the first payment is due to be taken on 1st August. Starting to feel like a weight has been lifted from my shoulders, and good in the knowledge that me and the wife are dealing with our debt problems.........

    And then disaster strikes!! Car breaks down yesterday, and have had to fork out nearly £350 today to get it repaired. Worst possible timing, and wipes out our little emergency fund of cash that we had started to build up. I know that our emergency fund was for this exact type of scenario, I just wasn't planning to have to use it quite so quickly!!
  • StopIt
    StopIt Posts: 1,470 Forumite
    Mr_Yellow wrote: »
    Hi All,

    First post for a couple of weeks, but I thought it would be good to update my situation with this forum. So my DMP is set up with Step Change, and the first payment is due to be taken on 1st August. Starting to feel like a weight has been lifted from my shoulders, and good in the knowledge that me and the wife are dealing with our debt problems.........

    And then disaster strikes!! Car breaks down yesterday, and have had to fork out nearly £350 today to get it repaired. Worst possible timing, and wipes out our little emergency fund of cash that we had started to build up. I know that our emergency fund was for this exact type of scenario, I just wasn't planning to have to use it quite so quickly!!


    Call Stepchange, explain the emergency and say you need a little extra time to start paying the DMP.


    After all, you're not going to have access to credit after this, so re-building that emergency fund is essential.

    In debt and looking for help? Look here for the MSE Debt Help Guide.
    Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.
  • Suseka97
    Suseka97 Posts: 1,571 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    PRA Group - they have written to me after my CCA request and said that my debt is unenforceable.
    I have made a low 10% offer, which they have refused and are only willing to accept a less than £200 discount on a £3400 debt!!
    Should I stop making my token £1 payments completely? And just ignore it until they find the relevant documents?

    The balls in your court HH. If it were me I'd stop paying altogether - leave it around 6 months or so and then maybe go back with an offer. Of, as others have, just walk away (but keep all the paperwork in case they sell on). Focus on those that are enforceable for now. :)
  • Mr_Yellow
    Mr_Yellow Posts: 5 Forumite
    StopIt wrote: »
    Call Stepchange, explain the emergency and say you need a little extra time to start paying the DMP.


    After all, you're not going to have access to credit after this, so re-building that emergency fund is essential.

    Yes, I was thinking about this, but was a little concerned that maybe Step Change might think I'm taking liberties with them. Was also a little worried how it might go down with the creditors.
  • Suseka97
    Suseka97 Posts: 1,571 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    StopIt wrote: »
    They don't need to provide the full application form, only the bits you needed to have agreed to, and the CCA requires the prescribed terms for Pre-2007 debts.
    For all of the debts that a CCA request has been fulfilled, it'll be good idea to book a session with your local CAB and ask for an expert eye to check them out. After all, it can't hurt to make sure either way.

    Good advice as usual StopIt. I've joined the 'AllAboutDebts' forum who have a dedicated thread on UE's and some very knowledgeable folks on there help people understand their rights and explain what the letters mean. When I get the final responses I intend to post them on that forum.
  • StopIt
    StopIt Posts: 1,470 Forumite
    Mr_Yellow wrote: »
    Yes, I was thinking about this, but was a little concerned that maybe Step Change might think I'm taking liberties with them. Was also a little worried how it might go down with the creditors.


    If not now, at some point another emergency will happen.


    It's why some people prefer to drop to token payments for a few months before even starting DMP payments via Stepchange, PayPlan or Self Managed. They wont judge you, and you wont be the first person whose circumstances changed in the interim period of setting up a DMP.
    Suseka97 wrote: »
    Good advice as usual StopIt. I've joined the 'AllAboutDebts' forum who have a dedicated thread on UE's and some very knowledgeable folks on there help people understand their rights and explain what the letters mean. When I get the final responses I intend to post them on that forum.


    Sounds good. After all, the worst case you face is someone telling you "Yep, that paperwork is all good" and you continue the DMP payments to them.

    In debt and looking for help? Look here for the MSE Debt Help Guide.
    Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.
  • Suseka97 wrote: »
    Good advice as usual StopIt. I've joined the 'AllAboutDebts' forum who have a dedicated thread on UE's and some very knowledgeable folks on there help people understand their rights and explain what the letters mean. When I get the final responses I intend to post them on that forum.

    Thanks for reminding me of AAD, Suseka. I've joined too but so far haven't uploaded my documentation for someone to take a look at:o. Having major family issues at the moment, don't know whether I'm coming or going. I seem to be in a slight lull period now though so must get onto it asap whilst I have the time. Will be very interested to read how you get on. Good luck:beer:

    sourcrates and StopIt thank you so much for your wise advice on my CCA documentation questions. You're stars as always:A


    Just one of my creditors hasn't come back with any information yet, apart from saying they were working on it about 2 months ago. Must be over 10 weeks now since my original CCA request so I'm definitely working on the 'no news is good news' principle;);)
  • PRA Group - they have written to me after my CCA request and said that my debt is unenforceable.
    I have made a low 10% offer, which they have refused and are only willing to accept a less than £200 discount on a £3400 debt!!
    Should I stop making my token £1 payments completely? And just ignore it until they find the relevant documents?


    Congratulations on the unenforceability:j, shame PRA are such meanies with their discount offer:(


    I've been biding my time with my (so far) only definitely unenforceable and have paid them nothing since they wrote to tell me it was. I used the idea of a poster on here who suggested telling creditors with unenforceable debts that he/she was going to concentrate on ones that are enforceable for the foreseeable future. They must have replied as soon as they got my letter (takes them weeks as a rule:rotfl:) as I had a request from them today to complete their enclosed I&E form but don't intend to do so. For one thing I don't want them to know who my other creditors are that are getting paid. They probably already know this anyway from previous I&Es I've filled in but if they can't get their act together to find it I'm certainly not bothering to do it again. I find it very hard, not to say stressful, sitting it out to see what they'll do next though. I'm a terrible wimp:o . It's for about £5000ish so not to be taken lightly. I intend to make a ridiculously low F&F but thought it best to wait a few months if my nerve holds out. Several months of getting nothing might force their hand a little;)
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 17 July 2017 at 3:46PM
    Sorry to be monopolising the thread this afternoon but I just wanted to come on, share my good news and to do a few:j:j:j:j:j:j:j:j:j:j:j:j:j

    I just heard back that my PPI claim has been upheld. I nearly gave up on this as the company said they had no record of PPI ever being paid and asking me to supply paperwork, statements etc, otherwise they could not investigate further:eek:. It was so far in the past that not only didn't I have any paperwork (on a long-ago repaid loan) that I doubted whether I was mistaken in thinking I ever had PPI at all. I never tended to have PPI on any of the many loans etc I ever had over a whole lifetime of borrowing money but I just had a hunch that just maybe I did this time. Purely by a fluke, several months later when I'd given it up as a lost cause, completely by chance I found a single old statement from 2001 among a pile of totally unrelated paperwork and sent it off. Today I received a letter telling me that I've been awarded £1458_party_:dance:.


    You've no idea how much this means to me as the money will swell my F&F coffers considerably:j and what with that and a few months of token payments I might just have enough to make credible F&Fs by sometime next year. My DFD had been put back to late 2020 so anything that advances the day when all my debts are gone is absolutely brilliant:T. I haven't received the cheque yet, could be up to 28 days, but so long as it's coming I'm over the moon.
  • StopIt
    StopIt Posts: 1,470 Forumite
    Thanks for reminding me of AAD, Suseka. I've joined too but so far haven't uploaded my documentation for someone to take a look at:o. Having major family issues at the moment, don't know whether I'm coming or going. I seem to be in a slight lull period now though so must get onto it asap whilst I have the time. Will be very interested to read how you get on. Good luck:beer:

    sourcrates and StopIt thank you so much for your wise advice on my CCA documentation questions. You're stars as always:A


    Just one of my creditors hasn't come back with any information yet, apart from saying they were working on it about 2 months ago. Must be over 10 weeks now since my original CCA request so I'm definitely working on the 'no news is good news' principle;);)


    If you're just waiting on one response that's likely going to take a while, get onto that AAD site and get some expert eyes on the agreements you have received. Hoping for you that the so called "enforceable" paperwork isn't!
    Congratulations on the unenforceability:j, shame PRA are such meanies with their discount offer:(


    I've been biding my time with my (so far) only definitely unenforceable and have paid them nothing since they wrote to tell me it was. I used the idea of a poster on here who suggested telling creditors with unenforceable debts that he/she was going to concentrate on ones that are enforceable for the foreseeable future. They must have replied as soon as they got my letter (takes them weeks as a rule:rotfl:) as I had a request from them today to complete their enclosed I&E form but don't intend to do so. For one thing I don't want them to know who my other creditors are that are getting paid. They probably already know this anyway from previous I&Es I've filled in but if they can't get their act together to find it I'm certainly not bothering to do it again. I find it very hard, not to say stressful, sitting it out to see what they'll do next though. I'm a terrible wimp:o . It's for about £5000ish so not to be taken lightly. I intend to make a ridiculously low F&F but thought it best to wait a few months if my nerve holds out. Several months of getting nothing might force their hand a little;)


    Remember: If they've admitted the debt isn't enforceable, the most action they can take is to ask very nicely for their money. After admitting unenforceability they cannot take it to court.


    The only slight worry is that without settling the debt, the DCA may sell on the debt and you'll have to send the proof the debt is unenforceable to another lot but it's no great hardship either way. But certainly offer no more than 10% either way, it's certainly not worth more than that now they've not got a legal leg to stand on.


    Hoping you're doing OK aside from the money stuff though. I never know whether I'm coming or going without any drams, but that's the fun of having a 10 month old to chase around :)


    Edit: Congrats on the PPI claim too!

    In debt and looking for help? Look here for the MSE Debt Help Guide.
    Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.
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