About to begin a DMP with £53k of debt.

magpies79

But not saying that’s what always happens but like you said there’s nothing to say after 3 years of having a default on your file that you get a debt collector who doesn’t listen and goes down the ccj route so I ended up 9 years of advise credit history or not far off that 3 years with just a default on there then the debt collector who purchased the debt getting a ccj for 6 years.
in my case they had all the paper work and assigned the debt had been making regular payments so wasn’t a statute barred debt either 

wildstyle2019

Just a risk i'll have to take I guess. 

Grumpelstiltskin

What happened to Magpies is very unusual and as the creditor ended up with a smaller payment than they would if they had just left things as they were so I guess they learned a lesson.

magpies79

Yeah it seem they were more intent of just being plain awkward and I didn’t put it to discourage you just to that it can happen for me all they did was extend my payments by about 10 more years lol.

Like the ccj has long gone from my file but it gets paid first of every month now they send me letters offering me discount to pay it off sooner but think I’m gonna go the full term with this thats what they wanted that’s what there going to get.
But hope your situation changes for the better  

wildstyle2019

Well I have cancelled all my direct debits to all creditors so time to sit and wait (and put savings into emergency fund)! 

I think i'm going to look into affordability complaints. 

Rob5342

wildstyle2019 said:

I think i'm going to look into affordability complaints. 

That's definitely worth trying, I've had some very good wins. The usual first response is a rejection as they hope you'll go away But make sure you persist and push it all the way to FOS ombudsman level of you don't get a decent offer. Don't rely on winning them as it can take a long time and it's quite possible that you won't win any of them.

wildstyle2019

No I am not expecting anything but I have 3 Virgin credit cards given to me in short succession - according to Debt Camel that shouldn't be allowed to happen so going to start there. Shy bairns get nout and all that.....

wildstyle2019

'If you were given two credit cards or two catalogue accounts by the same lender, often the second one should never have been given.'

As stated on Debt Camel 

freshstart2023

I made a complaint to Virgin about this, although they only gave me 2 cards and they rejected it. Perhaps I should try FOS 🤔

Rob5342

freshstart2023 said:

I made a complaint to Virgin about this, although they only gave me 2 cards and they rejected it. Perhaps I should try FOS 🤔

Rejecting the complaint is the standard response, you normally need to escalate it to the FOS to get anywhere. I've won four affordability complaints in the last two years, all of which were rejected by the lender and I escalated them to the FOS.