DMP mutual support thread part 13 !!

Debtinator

Everyday loans are the only ones pushing for everything. I send letters to their head office but still get phone calls, emails, home visits. They are really pushing to see mine and wifes wage slips to see what we can afford. I just keep ignoring their request.

purplepaws

Evening All,
As mentioned in early posts, I'm setting up a self managed DMP on behalf of my husband, who has significant mental health issues. He has made me his attorney so therefore permitted to deal with his affairs.
MBNA & HSBC are being total superstars, so helpful and polite. HOWEVER Barclaycard are being total barstools. They have been putting up objections at every step of the way. Despite having a letter of authority and a telephone confirmation of said authority from my husband, they still will not recognise my status and continue to contact my husband.
Loads of other problems have occurred, but I wont bore you with the details - I can manage them.
BUT, I would love to know if anyone has advice about what I should do about their request for information about the 'significant health issues' I have referred to in my correspondence with Barclaycard? They have asked for a letter from his hospital consultant or GP. As far as I'm concerned it's none of their business and a serious misue of power - the implication being that if the information is not supplied they will deal with the arrears and outstanding balance in a different way.


Constructive comments please!


Many thanks.

January2015

purplepaws wrote: »

Evening All,
As mentioned in early posts, I'm setting up a self managed DMP on behalf of my husband, who has significant mental health issues. He has made me his attorney so therefore permitted to deal with his affairs.
MBNA & HSBC are being total superstars, so helpful and polite. HOWEVER Barclaycard are being total barstools. They have been putting up objections at every step of the way. Despite having a letter of authority and a telephone confirmation of said authority from my husband, they still will not recognise my status and continue to contact my husband.
Loads of other problems have occurred, but I wont bore you with the details - I can manage them.
BUT, I would love to know if anyone has advice about what I should do about their request for information about the 'significant health issues' I have referred to in my correspondence with Barclaycard? They have asked for a letter from his hospital consultant or GP. As far as I'm concerned it's none of their business and a serious misue of power - the implication being that if the information is not supplied they will deal with the arrears and outstanding balance in a different way.


Constructive comments please!


Many thanks.

If asking creditors to support you because of health issues then (in my view) it's not unreasonable for them to request evidence of thoses health issues. Mind you, that said, it depends on what level of support you are asking from them. If you are just entering a DMP and evidencing available funds for DMP payments and their share, then it's none of their business why you need to enter a DMP except that you have found yourself in financial difficulties. However, if you are asking them to accept long term token payments, or perhaps significantly low F&F offer then you will get better reactions if you evidence why you are in this situation, i.e. supporting medical evidence.

Is there no documentation you have that could provide 'evidence' that you do not feel is too personal to send those creditors?

That's just my view - doesn't mean I am right though.

Changingtimes

Changingtimes wrote: »

Question.
I made a couple of SAR requests recently and received feedback. What is your SAR data really supposed to consist of?
I would expect CCA and applications and how they credit checked or decided on how they accepted your application?
Am I wrong or expecting too much?

Anyone able to advise please?:money:

Time_To_Change

Hey everyone not sure if anybody saw my post yesterday regarding tesco bank but I have had another letter which looks exactly the same. Clearly showing on the envelope that it is from the collections department. I don't really understand the letter I recieved today but it looks quite serious. I have tried contacting them so many times with my offer and SOA but I still have never recieved a reply telling me what is happening. Things seemed to be going so well and I am now at breaking point with them and feel like i should just give up with it all. I asked for everything to be dealt with in writing but I am now going to have to call them tomorrow.

Onebrokelady

OCTOBER wrote: »

OK here I go..... decided on a self managed DMP ! Reasons being that there is now a bit of uncertainty at my place of work (however, I think my job is safe going forward) It was not an option to enter into an IVA with uncertainty.
Also was not a possibility to do a DMP with SC as my forecast is longer than 10 years. I am hoping that I can do a low start self managed DMP hoping my circumstances may change in time.
So .. I have followed NEDCAB and printed my holding letters
that's it up to now - will post them today. I have a new bank account and have already changed all direct debits.
I have completed all my budget statements etc., with pro rata payments, ready for the next stage. bit worried about their responses.
I have cashflows galore stored on my PC, On the one hand I feel relieved and excited that I have a plan, on the other hand I am quietly petrified, still ashamed and apprehensive!!
I would love Any advice from you lovely people who have taken these first steps ..and the steps after that !
:eek:

Just interested to know did SC say they couldn't do a DMP for you because I have been with them for the last 9 months and I've just had to decrease my payment so my plan will now last about 18 years

lulabelle01

My month of being left alone by the credit card companies is up on Tuesday and I’m starting to feel really anxious and worried over what happens next. I’m going to pay off two small debts before officially starting my dmp payments and I’m worrying this might mess things up. I’m guessing feeling worried is normal for most people entering a DMP?

BettyBooh

So after weeks of reading I am writing my first post. I have been paying the minimum on my cards for ages then spending to live. When I started getting letters regarding the new rules it came as a complete shock but thinking on it, it is probably the best thing that ever happened. At first I panicked but then after reading the posts on here I decided I can do this, so thank you to everyone who has posted.
I decided to do self managed, new bank account set up and all seemed to be going well until I sent my financial statement & offers.
MBNA have been great, really helpful.
Aqua keep ringing - I don't answer.
M&S won't freeze interest or charges until an arrangement is made
Barclaycard have said they accept my offer and will set it up after I have made 2 payments & will charge 3% interest.
Barclays (overdraft) want me to ring them
Halifax Card say they will hold interest and then review after 3 monthly payments have been received.
So I would appreciate any advice please. Do I pay as requested or wait/ask to be defaulted?
Also, they all want a payment in December but I really didn't want to start until January.

[Deleted User]

Very disappointing response to my F&F to Hoist. They were only prepared to offer a 25% discount:eek:. I'm paying £1 a month so it would take me over 140 years to pay off the balance but they obviously prefer it never to be settled rather than accept a reasonable F&F of 35% payable. They did 'better' their offer (after keeping me on hold for 8 minutes but it was a freephone number so I didn't care;)) with a pitiful reduction of 30%/70% payable.


I was really hoping to be debt free by the end of the year but it looks as if that was a pipedream now:(

jubilee14

January2015 wrote: »

If asking creditors to support you because of health issues then (in my view) it's not unreasonable for them to request evidence of thoses health issues. Mind you, that said, it depends on what level of support you are asking from them. If you are just entering a DMP and evidencing available funds for DMP payments and their share, then it's none of their business why you need to enter a DMP except that you have found yourself in financial difficulties. However, if you are asking them to accept long term token payments, or perhaps significantly low F&F offer then you will get better reactions if you evidence why you are in this situation, i.e. supporting medical evidence.

Is there no documentation you have that could provide 'evidence' that you do not feel is too personal to send those creditors?

That's just my view - doesn't mean I am right though.

I suspect Purplepaws issues with BC is more to do with data protection than anything else. They probably have a process in place as to evidence required to ensure they dont discuss an individuals personal data without permission. Perhaps ask BC complaints dept to explain what their evidence requirement is for power of attorney. It doesnt seem to have a bearing on the debt situation at all.

My experience with BC was a bit mixed kept interest rates low most of the time in line with my debtVpayment. Then went to apply full interest. When i complained said they couldnt do anything as i was paying above minimum payment level. Then just stopped interest altogether but have on my credit file as OK. Just paid my last payment to them last month so waiting to see how they 'settle/satisfy' the account. They also gave me £125.00 out the blue for their mis management of interest fee too.

Hopefully its just technical/process issues that get sorted out soon. Good luck.