DMP application

sammyjammy

Rob5342 said:

It's a bit of an odd sietup really. If you tell them you are struggling and want to make payments then they generally treat you far worse than far worse than if you completely ignore them (by putting arrangment to pay markers instead of defaults on your credit file)

Barclaycard were great with me, the defaulted me even though I was on a debt management plan and backedated the default to the day they got the dmp letter so I had the earliest possible default date. Virgin on the other hand were terrible, a year on a dmp and 8 months of not paying and they still haven't defaulted me.

Have you made a complaint to Virgin, worth while doing.  When I had a DMP I left it all for a couple of years and when everything was settled and plodding along i started complaining about a couple of default dates, too a while but the dates were changed, on by over two years!  Just do it at your own pace, makes it alot less stressful