Help DMP not DRO or IVA-should this be in benefits?

Mar59

Thanks Sourcrates did you read the comments on the DMHEF form

sourcrates

https://forums.moneysavingexpert.com/discussion/comment/81928659#Comment_81928659

Yes, don`t be too put off, when you`re asking for write off`s, you can get a very mixed reaction from creditors initially, so its important to stick to your guns and don`t stray from the goals you want.

It can take time and they should transfer you to their sensitive care teams if haven`t done already.

You have to stick to the narrative, don`t go chopping and changing strategy, you would like your debts to be written off, so that is the message to keep broadcasting to them, and then its a case of wait and see.

Don`t expect instant results, things move very slowly in the world of debt collection.

KxMx

Have you had a needs assessment from the local authority?

After your needs are agreed they'll look at who pays what according to your income and savings, there is a possibility that the local authority will fund some of your care.

https://www.nhs.uk/social-care-and-support/help-from-social-services-and-charities/getting-a-needs-assessment/

Mar59

received this today I have not had any defaults yet and no ccjs or court papers

Don’t know what company or tel no it came from

Grumpelstiltskin

Ignore it, anything legal has to be sent by snail mail, it looks like a scam.

sourcrates

Ha ha ha ha, Mr Norris again lol.

There is so much wrong with that text, I honestly don`t know where to start, but first off, its a scam, so ignore it.

The wording, the name, non of what it states is true.

That is simply a scam text sent randomly and likely nothing to do with any of your creditors.

Similar ones have been seen before, Mr Norris is a name often contained within them.

What is a field agent then lol??? the word should be bailiff, but a bailiff can`t be engaged unless a CCJ has been granted and you have failed to make good on the payments, they must also give 7 days notice of attendance in writing, not by text, they cannot enter your home and take goods if you are not present, they cannot forcibly enter your home period, and payment arrangements are always a possibility, see where I`m going with this?

All utter tosh, and complete nonsense, delete and ignore.

fatbelly

Ignore texts, ignore emails, ignore phone calls

Mar59

I went with CAB theyve done nothing to help. So ive abandoned DRO for now. But companies are starting to default me giving me 28 days notice.

Grumpelstiltskin

The default letters are just what the creditors have to send you, still ignore texts, e mails etc.

Open and look at letters but unless you receive a Letter Before Action don't worry it's just the normal thing.

Mar59

My car is still worth 350 too much i need it to depreciate.