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Thinking of a DMP
Comments
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that’s amazing.
Can you share you’re affordability email (without identifying parts) as I’m looking to do an affordability complaint to updraft and need some ideas as they are very unhelpful so will more than likely have to go to the ombudsman
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Check out the debt camel website for info on affordability complaints.
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 -
I used the one on debt camel that sourcrates has shared and just adjusted for my circumstances.
Just had a call from Novuna. The original debts totalled £40k. Interest was over £30k. I now only owe £21,969 which is still a big amount but they are refunding me £570 as I had already paid the original £10k balance off the one original loan. Removing all bad markers from my credit file and I am paying only £200 a month on a payment plan.
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