Neck deep in debts

tylery

sourcrates said:

Debt management works best when you plan it out beforehand.

Remember the 5 "P`s"....Pre-Planning Prevents Poor Performance.

Planning is everything, from opening new bank accounts to avoid set off, obtaining defaults through non payment, and preventing collection calls by invoking GDPR and insisting on written comm`s only.

Taking control of matters and been pre-emptive makes for a much smoother ride all round.

I followed these steps and there is no mention of invoking GDPR...although it mentions written comms 

https://forums.moneysavingexpert.com/discussion/6496941/in-debt-and-wannabe-debt-free-first-steps/p1

enthusiasticsaver

tylery said:

sourcrates said:

Debt management works best when you plan it out beforehand.

Remember the 5 "P`s"....Pre-Planning Prevents Poor Performance.

Planning is everything, from opening new bank accounts to avoid set off, obtaining defaults through non payment, and preventing collection calls by invoking GDPR and insisting on written comm`s only.

Taking control of matters and been pre-emptive makes for a much smoother ride all round.

I followed these steps and there is no mention of invoking GDPR...although it mentions written comms 

https://forums.moneysavingexpert.com/discussion/6496941/in-debt-and-wannabe-debt-free-first-steps/p1

There is a sentence suggesting you write to the company and ask for written communications only if you don’t want them to phone you but yes we need maybe to expand on that to invoke GDPR and remove phone numbers etc. 

tylery

enthusiasticsaver said:

tylery said:

sourcrates said:

Debt management works best when you plan it out beforehand.

Remember the 5 "P`s"....Pre-Planning Prevents Poor Performance.

Planning is everything, from opening new bank accounts to avoid set off, obtaining defaults through non payment, and preventing collection calls by invoking GDPR and insisting on written comm`s only.

Taking control of matters and been pre-emptive makes for a much smoother ride all round.

I followed these steps and there is no mention of invoking GDPR...although it mentions written comms 

https://forums.moneysavingexpert.com/discussion/6496941/in-debt-and-wannabe-debt-free-first-steps/p1

There is a sentence suggesting you write to the company and ask for written communications only if you don’t want them to phone you but yes we need maybe to expand on that to invoke GDPR and remove phone numbers etc. 

If you could explain when and how to invoke GDPR that will be great 

tylery

tylery said:

enthusiasticsaver said:

tylery said:

sourcrates said:

Debt management works best when you plan it out beforehand.

Remember the 5 "P`s"....Pre-Planning Prevents Poor Performance.

Planning is everything, from opening new bank accounts to avoid set off, obtaining defaults through non payment, and preventing collection calls by invoking GDPR and insisting on written comm`s only.

Taking control of matters and been pre-emptive makes for a much smoother ride all round.

I followed these steps and there is no mention of invoking GDPR...although it mentions written comms 

https://forums.moneysavingexpert.com/discussion/6496941/in-debt-and-wannabe-debt-free-first-steps/p1

There is a sentence suggesting you write to the company and ask for written communications only if you don’t want them to phone you but yes we need maybe to expand on that to invoke GDPR and remove phone numbers etc. 

If you could explain when and how to invoke GDPR that will be great 

Bump ???????

sourcrates

GDPR (General Data Protection Regulations) is the mechanism that gives you the choice of how you are contacted.

So simply tell them you want them to contact you in writing only, don`t contact me by phone, and remove my phone number from your system etc etc.

Send it all in a letter, by law they must comply.

tylery

Just to give an update. I have just received letters saying account closed on some credits cards. What is next thing now because i have been ignoring their calls. Is it time to talk to them?

RAS

Have they defaulted the accounts as well as closing them. You will have received a letter demanding that you repay the whole sum, which has to be sent before they are allowed to add the default to the record.

tylery

RAS said:

Have they defaulted the accounts as well as closing them. You will have received a letter demanding that you repay the whole sum, which has to be sent before they are allowed to add the default to the record.

They have sent a default notice. Yes i have received a few letters saying i need to pay the whole sum. 

tylery

Can they just close the account without defaulting it first?

kimwp

sourcrates said:

GDPR (General Data Protection Regulations) is the mechanism that gives you the choice of how you are contacted.

So simply tell them you want them to contact you in writing only, don`t contact me by phone, and remove my phone number from your system etc etc.

Send it all in a letter, by law they must comply.

@sourcrates if you un-close the pinned "wannabe debt free" thread, I'll add this to the relevant post.

I'd also discussed with @enthusiasticsaver adding a post about when bailiffs might come and why house loss is unlikely for consumer debt (the steps that the creditor would need to take, the likely outcome of a court judgement - they opened the thread for me, but it was closed again before I could get round to penning it and running past yourself and @fatbelly- could you add a post about this?