DMP Mutual Support Thread (Part Three)

rayday2

Phew that was a bit marathon going through the old topics to pick people out. I hope I have not missed people out, I should imagine I have probably spelt names wrong my A4 sheet is looking very scruffy!

I did pm Nearlrich BG to ask if it was ok and they said fine and will lock our old home up when they get chance.

A big thank you to everyone who contributed to parts one and two, I think the list above just shows how we are not alone and you lot are a fantastic inspiration to keep plugging away.

I hope teecee I do you original members proud lol - I got my number today too

rayday2

Amyv - as far as I know and please take the time to check it out further, according to the National Debt Helpline website and information companies are not allowed to ask for more than a budget sheet or a sheet with your listed outgoings and incomings.

Lloyds asked me to fill one of there sheets in once and I pointed out by letter that all they were entitled to was a statement and sent them another copy and never heard again about it.

I think it is probably scare tactics but if you fancy ringing National Debthelpline even if they are not working for you they will certainly clarify things and are really great.

I will try to look round the site for a link too if I can find one!

As for tax credits they are paid out primarily to the mother so not sure if they can include them, who are you doing your DMP with?

rayday2

Just had a poke round the website think this may be of interest to you:

Office of Fair Trading Debt Collection Guidance

Many activities could count as harassment. It is important to note that 'anything done by a person which is reasonable' when trying to recover a debt, is not considered to be harassment. Both the Office of Fair Trading and trade associations (run by the credit industry) have produced guidance on what activities may be considered harassment and should therefore be avoided by creditors. The following list is taken from the new Debt Collection Guidance for holders of consumer credit licences.
Creditors are warned by the Office of Fair Trading under the Debt Collection Guidance that the following practices are considered unfair.
"It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner."

This includes:

• letters that look like court claims;
• not making it clear who the company is or what their role is;
• unhelpful legal language;
• not giving balance statements about the debt when asked;
• contacting you at unreasonable times even when asked not to;
• asking you to contact them on premium rate phone numbers.

"Those contacting debtors must not be deceitful by misrepresenting their authority and/or the correct legal position."

This includes:

• claiming to work for the court or be a bailiff;
• implying action can be taken that is not legally possible such as implying they could take your property;
• using a business name or logo that implies they are a government body;
• implying that court action has been taken against you when it hasn't;
• implying not paying your debt is a criminal offence;
• threatening to take court action in England if you live in Scotland or the other way round.

Here is the full link if it helps:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=03_harassment

amani_2

hi everyone, well done rayday :j you have done a good job!

Well we are still ploding along on the DMP 9 months now, and its the best thing we ever did also.

AMANI XXX

Gemmzie

We are at the first year review stage. HSBC, Mint have accepted new/continued payment, Egg we are waiting to hear from, Halifax have just asked for a review this week.

yellowmonkey

Top girl ray :T:T:T:T:T:T:T

Hardly seems like nearly a year ago that i stumbled upon the original thread that has saved my sanity and Mind .

Hi everyone old and new and nice to see a post from teecee and amani. How are you guys ?

Will pop back in the near future as I will be sub 26K soon

ym

monkey22_2

Hello everyone:hello: !

Can I join too?

Me and OH have been in a DMP with Payplan for over two years and we're in it for the long haul. We didn't find this site until long after the DMP was underway, I wish we had! Seeing so many other people in the same boat and dealing with their debts has been quite inspiring to us.:A
I hope I can help any newbies to the DMP process in return.

Monkey22

loubie_lou

Hiyaaaaaaaaaaaaaaaaa!

Number 72 here!!

xxxxxxxxxxxxxxxxxxxxxx

rayday2

Same happened with me I got my DMP up and running on my own and then found all you wonderful people!

Still things come up though when its nice to speak to someone who will understand or have an answer.

newlywed

Hi all. new home then

I would never have contacted CCCS and started a DMP if it wasn't for this thread (well the previous parts of it anyway). It was everyone here answering my questions that helped me realise it was the most promising solution for me and everyone gave me the courage to go ahead with it.

I only wish I'd found out about it all sooner - much much sooner

So thanks - this is month 10 (only another 4½ years to go)