DMP Mutual Support Thread - Part 12

motivated

vaper wrote: »

Hi M, nice to see you posting.
Totally agree with the part about Sourcrates, he is a great asset to the forum.

Hi vaper
Hope all is well with you. I am still here lurking in the background and reading and picking up tips all the time. I have now got to the stage where I am not petrified any more that's not to say I won't be back with questions, I know I will and I also know I will definitely be given sound advice.
M

StopIt

motivated wrote: »

. I truly believed that the bailiffs were coming, I would be hauled up in court, debt collectors would harass me, some big hairy heavy bloke would appear at my door demanding money.

Sourcrates( should be knighted) and others steered me in the right direction and will you too.
Good luck

Indeed Sourcrates does put in a shift here and bless them for that!


Also, if I ever set up a debt recovery firm (Calm down, I'm not that evil!) I'll make sure all of my bailiffs shave, all over. No hairy blokes here

sourcrates

StopIt wrote: »

Indeed Sourcrates does put in a shift here and bless them for that!

Part of the role of board guide requires you to be "visable" on your chosen boards on a regular basis.

Thank mobile technology for that !!

StopIt

sourcrates wrote: »

Part of the role of board guide requires you to be "visable" on your chosen boards on a regular basis.

Thank mobile technology for that !!

I didn't know that. I thought as a volunteer post you'd be just asked to visit as much as you can but hey!

sourcrates

StopIt wrote: »

I didn't know that. I thought as a volunteer post you'd be just asked to visit as much as you can but hey!

Preferably every day, but at least every two to three days is what's required.

motivated

Its great that you visit so often Sourcrates. You are a legend :beer:

Liv101

Good evening all, I would welcome some advice and guidance please - I am currently with Payplan but am not happy with their service and would like to change. My DMP is apparently according to them not due to end until 2022 I would like to complete it sooner. not sure what to do and whom to approach - can anybody help��Thank you in advance for your assistance.

sourcrates

Liv101 wrote: »

Good evening all, I would welcome some advice and guidance please - I am currently with Payplan but am not happy with their service and would like to change. My DMP is apparently according to them not due to end until 2022 I would like to complete it sooner. not sure what to do and whom to approach - can anybody help��Thank you in advance for your assistance.

Hi Olivia,

A few more details wouldn't go amiss, like :

what's your outstanding debt balance ?

what actions have you taken to date with your creditors ?,

is everything defaulted ?

Etc etc, the more detail the better.

motivated

Hi all

Today myself and my DH have received letters from BC. Both letters identical stating that if we haven't bought our accounts up to day by 18th August they will be issuing defaults on both accounts. Previously we have had letters saying we may issue a default. This is what we have wanted to happen so it looks like they are moving along now.
Does this mean they are very likely to sell on now?

StopIt

motivated wrote: »

Hi all

Today myself and my DH have received letters from BC. Both letters identical stating that if we haven't bought our accounts up to day by 18th August they will be issuing defaults on both accounts. Previously we have had letters saying we may issue a default. This is what we have wanted to happen so it looks like they are moving along now.
Does this mean they are very likely to sell on now?

Looks that way. That appears to be a default notice, and is the step before closing your account fully prior to selling it on.


And of course a good indicator as to what to look out for when it comes to dealing with creditors.


Anything with innuendo, with "May" or "We will be considering pursuing further action" means "File under B". Legally speaking, they have to state exactly what they're doing if they intend on defaulting you in this case, or taking any legal action.


The wording of these letters, especially from DCAs are carefully worded to sound as scary as possible while not actually saying anything from a legal standpoint.