DMP Mutual Support Thread - Part 12

Suseka97

kram wrote: »

Thanks sourcrates,
But won't sc question what has gone on, do you just tell them what you have done & if they are not happy you move onto self managing the dmp.
If thats's the case I will get some cca requests in & see where we go with it all.

Exactly that. You tell them to remove the debt because it is not enforceable so you will be prioritising those that are. As Sourcrates said - they are acting on your behalf, so that really shouldn't be an issue and if it is then you go self-managed

selinek

Suseka97 wrote: »

Exactly that. You tell them to remove the debt because it is not enforceable so you will be prioritising those that are. As Sourcrates said - they are acting on your behalf, so that really shouldn't be an issue and if it is then you go self-managed

kram wrote: »

Thanks sourcrates,

But won't sc question what has gone on, do you just tell them what you have done & if they are not happy you move onto self managing the dmp.

If thats's the case I will get some cca requests in & see where we go with it all.

I was with SC when I CCA’d all my debts. When all but one were deemed UE SC were not prepared to stop payments. I went SM. best thing I have ever done.

kram

Do I send the cca requests to the original creditors or do I send them to dca's that they have moved to.

If I have to send them to the dca's will I have to use their ref no & the original lenders ref no.

Sorry for being a numpty, I just want to get it right.

sourcrates

kram wrote: »

Do I send the cca requests to the original creditors or do I send them to dca's that they have moved to.

If I have to send them to the dca's will I have to use their ref no & the original lenders ref no.

Sorry for being a numpty, I just want to get it right.

Send to whoever is chasing you for payment.

It is the responsibility of the DCA to pass your request to the original creditor.

NeverendingDMP

My DMP with SC is at 33000.69 owing. Just checked my statement. So near going under a
big milestone but another month to wait. Ah well. Just needed to say it, apologies for my mini moan x
Happy Easter Everyone

kram

sourcrates wrote: »

Send to whoever is chasing you for payment.

It is the responsibility of the DCA to pass your request to the original creditor.

Thanks sourcrates.

Zerodebtsoon

Hi all, just thought I would provide an update on our self managed journey.

Letters advising we are now self managing, including a new income and expenditure statement and a revised (reduced) offer of monthly payment were sent on 10/3 to three creditors, along with cca requests and the £1 fee. I also emailed them PDF versions of the letters as we areoverseas.

PR*A group replied by email after verifying our identity within a week, accepting the revised payment and acknowledging the cca request. We have since received a letter in the post today saying they arerequesting the agreement from barclaycard and in the meantime our account is frozen

The other two are driving me bonkers - Ro*bway keep emailing me asking me to verify my email by clicking on a link in their email which just takes me to their website. I have replied to them 3 times about it and still nothing. I assume they have received my letter in the post by now based on PR*A group responding in writing already so am wondering whether to just pay the revised amount offered to them online when it is due on the 6th. I can access the quick payment section of the website but unable to properly register due to having an overseas postcode.

And as for sainburys - I have no idea who to contact and Stepchange wouldnt give me any details. We have never had any contact from them at our new address despite having updated them years ago (and all other creditors having been in contact) so I have no specific email, number or address to refer to unlike the other two creditors. I contacted sainsburys bank customer service by email/online asking for contact details for recoveries and have emailed wescot who I understand manage their recoveries. Nothing, not even an acknowledgement of contact. Should I just wait for them to contact me? I sent the letter to their Hull address that I found online. Next step is to phone them which i have tried to avoid tbh. Part of me thinks screw them, I have evidence that I attempted to contact them on a variety of ways and have no way of making a payment so they can wait!

Any ideas or advice gratefully received.

Rebeccadougherty

Hi all
I haven!!!8217;t been on in a while and have another!!!8217;s dopey question. Mostly things seem to have been going ok, I!!!8217;m slowly building up savings and I!!!8217;ve almost paid off 3,000 already whaaat!
I have had a couple of letters from Barclays which I ignored because I thought they were just sent out automatically but the latest one sounds scary. I!!!8217;ve had some more reduced payments because of family issues etc, and this letter says !!!8220;despite several reminders including the issue of a default notice served pursuant to section 87(1) of the consumer credit act your account is still in arrears. This is a formal demand for you to repay the account balance quoted above (1,053.90) what do I do?? I can!!!8217;t afford to pay that, am I going to have people at the door? Help, having another panic

Rebeccadougherty

I don!!!8217;t know what all the random numbers are I didn!!!8217;t put those in??? By the way it says I have to pay within 14 days which I think the last day was yesterday but I don!!!8217;t know I!!!8217;ve been too scared to call them

Rebeccadougherty

Sorry forgot to say it says if it isn!!!8217;t paid within 14 days or whatever then they may get a debt collection agency to receiver the debt and/ or take legal proceedings against me