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Complaints to PDL companies whilst setting up DMP
Changingtimes
Posts: 81 Forumite
Hi guys n gals.
I have been given different advices and really don't know where I stand.
I have been stuck in cycle of PDL and high interest loans for the past 2 to 3 years but now it's time to sort myself out.
I am currently going to go into DMP with SC this isn't up and running yet.
I have two questions.
1. With payments to creditors currently up to date and Christmas round the corner how would I go about setting my DMP up after Christmas has been and gone? How would I defer creditors for that long?
2 I have been advised to complain about the PDL and high interest loans. Now at what time is the right time? I was advised if I complain now when I do start paying back under my DMP this could prejudice my complaint. Then I was told to complain now as any future DMP payments won't affect my complaints.
Just a bit unsure which way to turn.
My complaints will be for irresponsible lending/affordability.
Thanks in advance for your support and advice :A
I have been given different advices and really don't know where I stand.
I have been stuck in cycle of PDL and high interest loans for the past 2 to 3 years but now it's time to sort myself out.
I am currently going to go into DMP with SC this isn't up and running yet.
I have two questions.
1. With payments to creditors currently up to date and Christmas round the corner how would I go about setting my DMP up after Christmas has been and gone? How would I defer creditors for that long?
2 I have been advised to complain about the PDL and high interest loans. Now at what time is the right time? I was advised if I complain now when I do start paying back under my DMP this could prejudice my complaint. Then I was told to complain now as any future DMP payments won't affect my complaints.
Just a bit unsure which way to turn.
My complaints will be for irresponsible lending/affordability.
Thanks in advance for your support and advice :A
Started 2019 with £22,5000 debt - March 2021 Debt free - stick with it people I did and now never felt better
0
Comments
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Stop paying, complain like hell, the cycle must be stopped, what’s left goes in the DMP.
Never touch high interest lending again, lesson learned.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Lesson most dedinately learnt I won't ever get in this position again trust me.
Started 2019 with £22,5000 debt - March 2021 Debt free - stick with it people I did and now never felt better0 -
Any advice on timing.Changingtimes wrote: »Lesson most dedinately learnt I won't ever get in this position again trust me.
Started 2019 with £22,5000 debt - March 2021 Debt free - stick with it people I did and now never felt better0 -
Changingtimes wrote: »Any advice on timing.
Hi,
Like i said, complaints first, what does not get written off or refunded goes in the DMP.
Full reclaiming guide here :
https://debtcamel.co.uk/payday-loan-refunds/I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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