DMP Mutual Support Thread (Part Three)

rayday2

I used to reply to every letter they sent and one time they sent me a letter complaining I had not contacted them and would have to take serious action now - so I listed all the correspondance I had sent them.

There customer service for people with problems is basically not there! Good for you not returning there calls the reason they insist on getting us on the telephone is they know its a proven method of getting more out of the pot.

Boltonbwfc

I have contacted the Students Loan and they cannot reduce payments as the deductions are connected to my Tax deductions of 9% of my earnings at any given month! Bit of a blow but need to stay focussed!

Anyone know of a list/link of professions which would not be allowed to enter on an IVA or Bankrupcy or even DMP! I have surfed the web for the information but can't find anything!

Thanks in advance :rotfl:

WhoopieDoodle

Well, after the delightful telephone call last night my lovely postman delivered a letter from Lloyds.

I did chuckle however at the comment within the letter that says "it would appear that this account is currently a low priority to you."

Low priority? We think of nothing but our debts and how we are going to pay them off!!!!!! Argh!

Anyway, they have threatened legal action, dead horse's head in the bed and that sort of thing, so I will pass the letter to Payplan and write to Lloyds explaining WE ARE ON A DMP WITH PAYPLAN!

Grrrrrrrrrrrrrrrrrrrrrr!

WhoopieDoodle

Sorry Bolton, for butting in. I just noticed you had asked a question before my rant. Soz

10past6

Hi Folks

Update re my current situation

Toady I have registered a formal complaint with KPR re their continuous harassment, also copied Nationwide and Payplan.

Anyone who is unsure of KPR, they come under Nationwide Building Society umbrella, hence why Payplan do not correspond with them.

I have 2 accounts with Nationwide, Credit Card account, and Flex account, today I have received a letter from KPR offering a discount on my Flex account balance, providing it's paid in full, I have no idea what the discount is, as I'm not contacting them, strangely, this letter is from the same company (KPR) who issued me with a letter re my Credit card balance threatening my home is at risk.

Yesterday when I received the threatening letter from KPR I was stressed to say the least, now I have made a formal complaint, I feel much more settled within myself.

Thanks for all the support and advice, chin up folks, some creditors have created a battle between us and them, it's now a question of who wins.

Will keep you all posted.

rayday2

WhoopieDoodle wrote: »

Well, after the delightful telephone call last night my lovely postman delivered a letter from Lloyds.

I did chuckle however at the comment within the letter that says "it would appear that this account is currently a low priority to you."

Low priority? We think of nothing but our debts and how we are going to pay them off!!!!!! Argh!

Anyway, they have threatened legal action, dead horse's head in the bed and that sort of thing, so I will pass the letter to Payplan and write to Lloyds explaining WE ARE ON A DMP WITH PAYPLAN!

Grrrrrrrrrrrrrrrrrrrrrr!

Does not suprise me at all Lloyds from my personal experience have no idea what they are doing.

It is actually quite insulting that they consider you consider it a low priority! A Grrrrrrrrrr from here too.

rayday2

Boltonbwfc wrote: »

I have contacted the Students Loan and they cannot reduce payments as the deductions are connected to my Tax deductions of 9% of my earnings at any given month! Bit of a blow but need to stay focussed!

Anyone know of a list/link of professions which would not be allowed to enter on an IVA or Bankrupcy or even DMP! I have surfed the web for the information but can't find anything!

Thanks in advance :rotfl:

Hmm not sure if this is any help but I recently had a letter inviting me to for a school governor position, the way I read the letter I would not be able to do it if bankrupt and possibly not IVA - but a DMP is not a legal thing it is just an "informal" if you like arrangement.

rayday2

10past6 - Nice to hear you with some fighting spirit - and pretty much not what they would expect from you after the letter they sent. Amazes me how one department says one thing about a debt and same company different debt say something else - no consistancy!

nomoneynomoney

Boltonbwfc wrote: »

I have contacted the Students Loan and they cannot reduce payments as the deductions are connected to my Tax deductions of 9% of my earnings at any given month! Bit of a blow but need to stay focussed!

Anyone know of a list/link of professions which would not be allowed to enter on an IVA or Bankrupcy or even DMP! I have surfed the web for the information but can't find anything!

Thanks in advance :rotfl:

The info on this post might be helpfull
http://forums.moneysavingexpert.com/showpost.html?p=8806281&postcount=4

10past6

Boltonbwfc wrote: »

Anyone know of a list/link of professions which would not be allowed to enter on an IVA or Bankrupcy or even DMP! I have surfed the web for the information but can't find anything!

Thanks in advance :rotfl:

Hi Bolton

Have you tried this? maybe they can point you in the right direction for further information.