DMP mutual support thread part 13 !!

sourcrates

2017spark said:

sourcrates said:

2017spark said:

Hi all, hope all is going well with you all.....
quick question - I’m setting up a dmp with SC, I’ve got to the stage where my budget has been agreed, my creditors have been contacted and 1st payment is scheduled.... very happy with all that so far and feel much better even though my payments are starting low.
however, one of my debts is with HMRC for child tax credits overpayments made in 2012/14. HMRC are dealing with me through their debt enforcement team. SC are happy to manage the debt, but are insisting there is a reference number that I do not have.... HMRC say my reference is my NI number (which I’ve given SC) and do not have another.
SC have given me 6 weeks to get this number, or they won’t include it in my debt plan. I’ve received a letter from HMRC today saying I have 7 days before they launch legal action.....
Has anyone had anything similar and has any advice??
i feel stuck in the middle, stressed and annoyed. It was the HMRC debt that prompted this whole debt plan and it’s the one I can’t get sorted
thanks for any help and thanks for reading!!

Just pay HMRC yourself, separately, why do you need a third party to do that for you ?

I don’t I guess, but went to SC so I could have one plan with one payment etc so would be better if it was included. Obviously if I paid myself I’d have to reduce my agreed budget with SC too to cover it. 

Yes but HMRC is a priority debt in my book, much more likely to get litigious than a consumer credit act creditor.
I`d get on the phone to them first thing Monday morning, explain what you were trying to do, then sort out a payment plan with them, the rest of your debts are unimportant, ie, non priority, this takes precedence.

2017spark

sourcrates said:

2017spark said:

sourcrates said:

2017spark said:

Hi all, hope all is going well with you all.....
quick question - I’m setting up a dmp with SC, I’ve got to the stage where my budget has been agreed, my creditors have been contacted and 1st payment is scheduled.... very happy with all that so far and feel much better even though my payments are starting low.
however, one of my debts is with HMRC for child tax credits overpayments made in 2012/14. HMRC are dealing with me through their debt enforcement team. SC are happy to manage the debt, but are insisting there is a reference number that I do not have.... HMRC say my reference is my NI number (which I’ve given SC) and do not have another.
SC have given me 6 weeks to get this number, or they won’t include it in my debt plan. I’ve received a letter from HMRC today saying I have 7 days before they launch legal action.....
Has anyone had anything similar and has any advice??
i feel stuck in the middle, stressed and annoyed. It was the HMRC debt that prompted this whole debt plan and it’s the one I can’t get sorted
thanks for any help and thanks for reading!!

Just pay HMRC yourself, separately, why do you need a third party to do that for you ?

I don’t I guess, but went to SC so I could have one plan with one payment etc so would be better if it was included. Obviously if I paid myself I’d have to reduce my agreed budget with SC too to cover it. 

Yes but HMRC is a priority debt in my book, much more likely to get litigious than a consumer credit act creditor.
I`d get on the phone to them first thing Monday morning, explain what you were trying to do, then sort out a payment plan with them, the rest of your debts are unimportant, ie, non priority, this takes precedence.

That’s helpful thanks, I’m planning to call them first thing Monday (why do these letters always arrive on a saturday when you can’t contact anyone?!) so I think I will offer a repayment amount (small unfortunately) and then ask SC  to remove them from the list and just deal with the others. 

Thanks for replying - appreciate it 

Time_To_Change

Hi all just have a question regarding a recent CCA request I sent to PRA for a barclaycard account opened in 2009. I sent the request a few weeks ago and received a letter a week later saying they were looking into my request. I had another letter today saying they have attached the paperwork received so far but deem the debt as unenforceable but will be in touch if they receive any further information. There is a letter attached from barclaycard with some general terms and conditions which goes on to say they have satisfied a section 78 CCA. I am not really sure what this means so am a bit confused what they have sent me if PRA are saying the debt is unenforceable. I am fully expecting them to come up with the relevant paperwork eventually as the card was only opened in 2009 but just wondering what I should do in the meantime? Should I reply or just sit and wait. I was thinking of just paying £10 monthly token payments instead of the £80 I currently pay to keep them from harassing me. Just wondering how everyone else would approach this. It is one of my largest debts so if it did turn out to be unenforceable that would be great. Thanks.

originalfool

After tonight’s abuse I’m so tempted to walk away but I still  need to protect stuff. I need to make sure there are no written communications, any advice? For background, we are both alcohol dependant, but when I work I cope!

Willing2Learn

originalfool said:

After tonight’s abuse I’m so tempted to walk away but I still  need to protect stuff. I need to make sure there are no written communications, any advice? For background, we are both alcohol dependant, but when I work I cope!

There will be written correspondence.  There is no way to get around that.  All you can do is reduce the amount of letters, by taking ownership of the financial problems, and by writing to your creditors first, keeping them 'in the loop'.

Many people with alcohol dependency successful navigate through this process.  You just have to make the financial side of things your priority.  Also, I recommend Cognitive Behavioural Therapy (CBT), as evidence has proven that CBT can be part of the solution when addressing alcohol dependency.   
 
I say again, you need to start a new thread.

Suseka97

Time_To_Change said:

Hi all just have a question regarding a recent CCA request I sent to PRA for a barclaycard account opened in 2009. I sent the request a few weeks ago and received a letter a week later saying they were looking into my request. I had another letter today saying they have attached the paperwork received so far but deem the debt as unenforceable but will be in touch if they receive any further information. There is a letter attached from barclaycard with some general terms and conditions which goes on to say they have satisfied a section 78 CCA. I am not really sure what this means so am a bit confused what they have sent me if PRA are saying the debt is unenforceable. I am fully expecting them to come up with the relevant paperwork eventually as the card was only opened in 2009 but just wondering what I should do in the meantime? Should I reply or just sit and wait. I was thinking of just paying £10 monthly token payments instead of the £80 I currently pay to keep them from harassing me. Just wondering how everyone else would approach this. It is one of my largest debts so if it did turn out to be unenforceable that would be great. Thanks.

If you have something from PRA saying that they deem the account to be currently unenforceable, then just take that as read. It's a standard type of letter and they may dig something up eventually, but in the meantime - just stop paying and put that money aside for possible F&Fs further down the line.  They will write from time to time - usually in the form of a statement showing the outstanding balance - but it won't be a demand for payment.  Eventually you may find they start offering you discounts, as time passes by.  If you think about it, the original paperwork is over 10 years old and often when debts are sold on - there is little to no paperwork exchanged between the OC and purchaser. Which is good news in your case, or so it seems

Girl_unknown

Hello
If I was to be made redundant (there appears to be a high chance it will happen before I get chance to find another job) I know I should reduce my dmp payments while looking for work to make the redundancy money last as long as possible just in case I can't get another job straight away, I have worked out with how I'm paid now I'll have 2 to 3 months before I run out of money i currently pay £348 a month towards the dmp through stepchange, but how much should I try stretch it out for?

Willing2Learn

Girl_unknown said:

If I was to be made redundant (there appears to be a high chance it will happen before I get chance to find another job) I know I should reduce my dmp payments while looking for work to make the redundancy money last as long as possible just in case I can't get another job straight away, I have worked out with how I'm paid now I'll have 2 to 3 months before I run out of money i currently pay £348 a month towards the dmp through stepchange, but how much should I try stretch it out for?

If it were me, I would immediately reduce the DMP payments to reflect my new income.  I would obviously tell StepChange that this is what I wanted to do. 

Time_To_Change

Suseka97 said:

Time_To_Change said:

Hi all just have a question regarding a recent CCA request I sent to PRA for a barclaycard account opened in 2009. I sent the request a few weeks ago and received a letter a week later saying they were looking into my request. I had another letter today saying they have attached the paperwork received so far but deem the debt as unenforceable but will be in touch if they receive any further information. There is a letter attached from barclaycard with some general terms and conditions which goes on to say they have satisfied a section 78 CCA. I am not really sure what this means so am a bit confused what they have sent me if PRA are saying the debt is unenforceable. I am fully expecting them to come up with the relevant paperwork eventually as the card was only opened in 2009 but just wondering what I should do in the meantime? Should I reply or just sit and wait. I was thinking of just paying £10 monthly token payments instead of the £80 I currently pay to keep them from harassing me. Just wondering how everyone else would approach this. It is one of my largest debts so if it did turn out to be unenforceable that would be great. Thanks.

If you have something from PRA saying that they deem the account to be currently unenforceable, then just take that as read. It's a standard type of letter and they may dig something up eventually, but in the meantime - just stop paying and put that money aside for possible F&Fs further down the line.  They will write from time to time - usually in the form of a statement showing the outstanding balance - but it won't be a demand for payment.  Eventually you may find they start offering you discounts, as time passes by.  If you think about it, the original paperwork is over 10 years old and often when debts are sold on - there is little to no paperwork exchanged between the OC and purchaser. Which is good news in your case, or so it seems

Thanks for your reply. Would you not bother paying anything at all? I didnt really want to deal with the hassle from them as I am self managing my creditors so was going to offer them a £5 or £10 a month payment. Would I need to write to them and tell them I am not going to make any payments or be reducing it? Thanks again.

tinkerbell73

Hello everyone I was a poster a long time ago - split with my ex husband (11 years ago ) he left me in £40k of debt, arranged my DMP through PayPlan - I pay each month and it is going down very slowly. But still have  years to go (about £24k ) life has got a little easier a the kids have grown and now I want to see if there is anyway of speeding up the process maybe trying to save for paying off some ( I have had  a few 50percent offers but just don’t  have the cash and Paypaln insist all debts are treated equally )  should I be sending CCA letters most of the debts are pre 2005 and some started cards were started in early 90’s ,what do they mean if the debt comes back as unenforceable  where do I start managing my own plan ? Can I take it back from PayPlan - don’t get me wrong it is working but I can’t see an end to it and I want to be debt free before I retire ( currently 47)