DMP mutual support thread part 13 !!

[Deleted User]

Moveslikeagger wrote: »

Carboot,

Could you not just pay them nothing? Or just refuse to give them a statement and carry on paying? Whats the worst they can do?

Thanks

Things have been ticking along so quietly and smoothly, no contact from creditors except for the arrival of a annual statements. I can't cope with a barrage of letters again (which I know I can ignore) or phone calls (which I can block) in case they resort to other tactics. I worry about just disappearing off their radar. I want to negotiate F&Fs soon but not with this creditor just yet.

Moveslikeagger

Fair enough! I’ve posted my letters to get my accounts on hold and cancelled all direct debits. I’m concerned about the barrage of calls and letters but I’ll have to ignore them if it does happen! Hope you get your problem sorted. Maybe you could just send an I&E document and start paining 5 quid a month?

Puzzcat

carbootcrazy wrote: »

Panic stations here, just had a nasty shock:eek:

Long story sadly not so short:o. I've been paying all my creditors a token £1 a month for over a year so I can build up a F&F pot.

One of my creditors (who I have 2 debts with) has been pestering for a payment review which I suppose is fair enough. I'd said I only wanted contact by letter but I decided to phone them to do it in person. Big mistake. I'd spent ages getting my paperwork and figures sorted so it appeared I only had enough disposable income to continue with the £1 a month;).


The person I spoke to was lovely, so gentle and reassuring and patiently went through my account and took down all my figures. then she hit me with the bombshell that they can't action repayments of less than £5 a month without seeing a bank statement with proof of outgoings:eek:. When I said I was never asked for one before she said it was a new procedure.


I don't know what to do. A bank statement will only prove that what I told her I was claiming for is untrue, I suppose it could be construed as attempt to defraud. I'm someone who has always told the truth (apart from not telling OH about my debts but that was omission rather than a lie and he has never suffered as a result of it). But through being in debt and desperate to get out of it I've resorted to lying about my financial affairs to one of my creditors and will be found out.


I don't know what to do next, I just feel sick:(. She said she's given me 30 days breathing space to get the statement sent to them and after that my existing 'plan' will end. I obviously can't send one. Any advice please?

Cbc,
I would just send an updated i & e and keep paying like you were doing. No way would I be sending them a bank statement. And in future always communicate in writing!!!
Puzz

[Deleted User]

Puzzcat wrote: »

Cbc,
I would just send an updated i & e and keep paying like you were doing. No way would I be sending them a bank statement. And in future always communicate in writing!!!
Puzz

Thanks, Puzz:T. I hope all's well in Puzzland:beer:

I think I was a bit OTT when I posted on here yesterday about my panic:o. Immediate reaction but I'm now a lot calmer:j.


I was on the AAD website earlier looking for information about something else and noticed that several people had mentioned being asked for bank statements for one reason or another by various creditors. The general advice was definitely don't send them.

Suseka97

carbootcrazy wrote: »

.....I think I was a bit OTT when I posted on here yesterday about my panic:o. Immediate reaction but I'm now a lot calmer:j.
I was on the AAD website earlier looking for information about something else and noticed that several people had mentioned being asked for bank statements for one reason or another by various creditors. The general advice was definitely don't send them.

Glad to hear this CBC and that things are a little bit calmer. Had I read the post earlier I would have said much the same. People are under no obligation to send personal information of this nature, whether it be a bank statement or payslip, an I & E is sufficient. Also definitely keep things in writing from now on

[Deleted User]

Suseka97 wrote: »

Glad to hear this CBC and that things are a little bit calmer. Had I read the post earlier I would have said much the same. People are under no obligation to send personal information of this nature, whether it be a bank statement or payslip, an I & E is sufficient. Also definitely keep things in writing from now on

Do you think I need to send them a paper I&E seeing as we went through it all on the phone and she noted all my figures? Not really a problem but I messed up the form they sent me for it with all my scribbled calculations when I was 'cooking the books' as it were:o

[Deleted User]

I might have misunderstood what someone told me:o but does anyone know if it's true that a SAR request is now free of charge please?

Nautiyal

I’m concerned about the barrage of calls and letters but I’ll have to ignore them if it does happen! Hope you get your problem sorted. Maybe you could just send an I&E document and start paining 10 quid a month?

Puzzcat

carbootcrazy wrote: »

Do you think I need to send them a paper I&E seeing as we went through it all on the phone and she noted all my figures? Not really a problem but I messed up the form they sent me for it with all my scribbled calculations when I was 'cooking the books' as it were:o

Hi cbc,
I don't complete the creditors i & e, I use the one from nedcab website and just tweak it when someone wants one! Much easier...
Puzz

[Deleted User]

Puzzcat wrote: »

Hi cbc,
I don't complete the creditors i & e, I use the one from nedcab website and just tweak it when someone wants one! Much easier...
Puzz

Thanks. Yes, I agree, much easier:T

All my creditors' I&E forms are differently set out and ask for different things or name their catagories differently. One size fits all is the way to go:j