DMP Mutual Support Thread - Part 12

sourcrates

Anniee88 wrote: »

Hello, I am just doing my CCA requests and wanted to check when I go to the post office this afternoon do I just ask for a blank postal order? Do I need to write their names on it or just send it blank fo them? Thanks

Make it payable to the original creditor.

Suseka97

A quick hello to everyone and to stay in touch.

Great to see newbies are getting to grips with DMPs and to see more moving from a managed arrangement to self-managing. Gives you so much more flexibility and control, best decision I've made.

PRA have put my accounts on hold, again - and Link have gone off the radar, again! Seriously, Link is really poor at responding to letters. I even wrote to their MD and still no joy - yet.

So, it'll be another month of the DMP payment going straight into our F&F savings pot

Have a great debt-busting week y'all :j

CallyJen

Hi everyone

I’ve had a few creditors come back to me saying that they want a reference number from the Debt Management Agency that are helping me - they seem a bit reluctant to deal with me managing it myself. Anyone else experienced this? If so, what did you do?

January2015

CallyJen wrote: »

Hi everyone

I’ve had a few creditors come back to me saying that they want a reference number from the Debt Management Agency that are helping me - they seem a bit reluctant to deal with me managing it myself. Anyone else experienced this? If so, what did you do?

Visit the NEDCAB DMP site and open an account to self manage your DMP. When you write to creditors quote the NEDCAB reference number. You are managing your own DMP but for some reason creditors feel more comfortable when they see you are taking advice.... go figure :rotfl:

Creditors have to treat you the same whether you are self managing or being supported with your DMP. However, to smooth things along and shut the dopey ones up it's worth just quoting a NEDCAB reference number.

Hope this helps.

kram

Can you do cca's when you are with sc or is it easier and more effective if your self managing.

Anybody had any experience with this.

CallyJen

Thanks January! I used the NEDCAB site to generate my I and E and adapted their letters! I’ll stick that reference on any further correspondence :rotfl:

In a way I understand that creditors feel more comfortable dealing with SC / CAB. I also think that people in debt are not necessarily stupid or incapable - a few bad decisions or life events and you’re sunk.

Thanks again everyone on the forum, you are sanity saviours! It’s really good to be able to talk about my debt. I’m another one who can’t talk to OH about money!

[Deleted User]

kram wrote: »

Can you do cca's when you are with sc or is it easier and more effective if your self managing.

I would think that taking out credit, would be a breach of the DMP.

sourcrates

kram wrote: »

Can you do cca's when you are with sc or is it easier and more effective if your self managing.

Anybody had any experience with this.

You can request information about your credit accounts at any time of your choosing, as long as a balance remains on the account.

The request for information is between you and your creditor.

Onebrokelady

I’ve posted a message on here and now can’t find it to read the reply,how do I find my posts again please

Puddylove

Onebrokelady wrote: »

I’ve posted a message on here and now can’t find it to read the reply,how do I find my posts again please

Hi
Sourcrates moved your thread so that you'd get more replies - look on this Debt Free Wannabe forum below this. Or here's a link.

https://forums.moneysavingexpert.com/discussion/comment/73722070#Comment_73722070