DMP mutual support thread part 13 !!

spompam

hi lm new on here l would like to ask l've got about 14 creditors about £15900 and 3 of them im worries is payday loan unclebuck £250
poundtopockets £600
and swiftstering £550 all them 3 will come up on 28 February 2019 .
l have been apply DMP with stepchange waiting for my application my question is do l have to pay payday loan as l ask them to hold my interest but they are unable to do that? im worries as l read on here people say not paying them anymore?

booksandbacon

Hey,

I was wondering if anyone had advice or recommendations (or success stories!) on getting a creditor to back-date a default date on my credit file.

I notified my creditors of my financial issues and informed them I would be going on a DMP back in July. Although they have all defaulted now I would prefer if they could backdate the defaults to July, or even August as most of them are either December or January.

TIA

BeingDebtFreeStartsHere

I have received a very strange letter today regarding my Natwest account which is currently being managed by Wescot.

The letter states:

'Our records show that you have elected to pay the outstanding amount owing to our client by standing order. We can confirm that the account is now closed - fully paid'

This is our biggest debt :eek: and there is no way we could afford to clear it via standing order!!

Just wondering what I should do regarding this? Maybe we have a mystery debt buster!! Any advice greatly appreciated

BDFSH x

Willing2Learn

spompam wrote: »

hi lm new on here l would like to ask l've got about 14 creditors about £15900 and 3 of them im worries is payday loan unclebuck £250
poundtopockets £600
and swiftstering £550 all them 3 will come up on 28 February 2019 .
l have been apply DMP with stepchange waiting for my application my question is do l have to pay payday loan as l ask them to hold my interest but they are unable to do that? im worries as l read on here people say not paying them anymore?

Hi,

For best advice and support, you need start a new thread in the main DFW board


When you do post again, please complete a Statement of Affairs (SOA) using the link below:
http://www.stoozing.com/calculator/soa.php
You can copy and paste the completed SOA in your new thread

Willing2Learn

BeingDebtFreeStartsHere wrote: »

I have received a very strange letter today regarding my Natwest account which is currently being managed by Wescot.

The letter states:

'Our records show that you have elected to pay the outstanding amount owing to our client by standing order. We can confirm that the account is now closed - fully paid'

This is our biggest debt :eek: and there is no way we could afford to clear it via standing order!!

Just wondering what I should do regarding this? Maybe we have a mystery debt buster!! Any advice greatly appreciated

If it were me, I would ask them for a printed statement. You can check the numbers in there (before cracking open the champagne)

Suseka97

carbootcrazy wrote: »

........Just yet another query which isn't totally a DMP issue:o. The debt in dispute was part of my DMP and I hope anyone who has had similar problems, albeit with different creditors, may be able to offer some help. I am going round in circles and can see no way out:eek:...........

Hey CBC - have you considered taking this to the FOS? One or the other is responsible and because they are playing games, it's worth a shot. As we know, that debt should be registered with a default within 3 - 6 months of its default, but it doesn't alway work that way and then we (DMPers) need to fight our own corner. Get's my back up that others who completely walk away don't have to up with this sh*t.:mad:

Puzzcat

BeingDebtFreeStartsHere wrote: »

I have received a very strange letter today regarding my Natwest account which is currently being managed by Wescot.

The letter states:

'Our records show that you have elected to pay the outstanding amount owing to our client by standing order. We can confirm that the account is now closed - fully paid'

This is our biggest debt :eek: and there is no way we could afford to clear it via standing order!!

Just wondering what I should do regarding this? Maybe we have a mystery debt buster!! Any advice greatly appreciated

BDFSH x

Hi,
I got the same letter so rang natwest, the debt has been sold onto pra. We should get a letter from them shortly. Sorry no mystery debt payer!

Suseka97

booksandbacon wrote: »

Hey,
I was wondering if anyone had advice or recommendations (or success stories!) on getting a creditor to back-date a default date on my credit file.
I notified my creditors of my financial issues and informed them I would be going on a DMP back in July. Although they have all defaulted now I would prefer if they could backdate the defaults to July, or even August as most of them are either December or January.
TIA

You can always ask - but I doubt you'll have much success. There is ICO guidance that states that if you fall into arrears a default may be recorded to show the relationship has broken down -this may occur when you are 3 months in arrears, and normally by the time you are 6 months in arrears. Note these are 'guidelines' and not 'legislative policy' so a creditor does not have to default you at all -and some don't (as a number of folks on here can testify to).

If yours were defaulted in Dec and Jan and your DMP started in July, then they have all effectively followed the guidelines by defaulting you within that 6 month period.

biker_rob

Received a letter from PRA this morning asking me to move to CPA payments. No. I have told them it will be coming out as a Standing Order every month. It's already set up which they acknowledged in the letter.

Maybe it's an automatic letter but I'm not taking them up on their offer, thank you.

BeingDebtFreeStartsHere

Willing2Learn wrote: »

If it were me, I would ask them for a printed statement. You can check the numbers in there (before cracking open the champagne)

Puzzcat wrote: »

Hi,
I got the same letter so rang natwest, the debt has been sold onto pra. We should get a letter from them shortly. Sorry no mystery debt payer!

Thank you both for your replies. At least I could dream that £11,000 had been miraculously cleared from our debts for a lovely few hours!!!

Puzz - that makes complete sense as PRA have been trying to phone me every day for the past 4 days! I already have a debt with them - I have emailed them and told them I have previously requested no communication by phone and that they can either email or write to me. I have cancelled the Wescot standing order and will await written correspondence from PRA before setting up a standing order for this debt to them

BDFSH x