DMP Mutual Support Thread (Part 4)

rayday2

Blair Oliver & Scott are pretty good as far as DCA goes and will probably accept your payment plan so that is good news.

There are two ways you can go you could when things have settled down write a letter and see if you can get interest taken off or reduced. Also I know Blair Oliver & Scott like to make full and final settlements so if you were to save up you could probably in the future make a final offer and point out the interest that was added on, so all is in fact not that bleak it just kind of looks like it at the moment.

Jvic28

Hi Kirsty,

As far as I'm aware blair, oliver + scott are just the in house collections department for bank of scotland. If you're account has been passed to them I would assume that no further interest would be added to your account and they should accept a repayment plan. If that's what happens I would just be happy with that. Not entirely sure about this though, I'm sure someone with more experience will be able to help.

x

GhostHunter_3

Quick update, just chased benefits office they tell me I have to ask e-on to contact Incapacity Benefits at Jobcentre Plus direct, not me!!!!

Why do I feel like this will lead knowhere :mad:

WhoopieDoodle

GH, we are 2 adults, 1 dog and 2 cats and we spend £35 a week on food, cleaning, toilettries etc (I try to keep below this when I shop, and put the surplus into a "birthday fund" which I use for, er, birthdays! tee hee) and £30 a month on pet food (it is never this much, but we have to account for other stuff the animals need, not just food, and again the surplus is put into the "birthday fund")

GhostHunter_3

Thanks WD

Wow thats good, not sure we can do that So just to clarify is the £30 on pet food / treats in addition to the £35 a week or included in it?

Thanks

bernie_inn

First payment off my DMP tomorrow, i've already had a couple of letters from creditors telling me they won't accept the offers and will pass my debt on to debt collectors and put the accounts into default. I spoke to cccs about this and they said most of the time debt collectors are easier to deal with as they normally accept the payment plans does anyone have experience of whether this is true or not? It really is quite refreshing spending my own money rather than living on credit. From what i've read on here the sooner they default the better so i don't really mind.
anywa thats the first step done i'm at the bottom of a very large mountain but at least i'm starting to go uphill now

longforthesun

Oh I am sooo angry. This morning there was a letter from Mercers advising that they are sending a door stop collector. Now part of me knows that it is unlikley but another part of me is mad. Mercers know the reason we are in financial difficulties is because I have given up work due to ill health. I have paid token payments, answered their calls and wrote to them several times to keep them up to date. i really want to send a letter to them saying i feel their threats are disgusting and explaining that one of my conditions is a minor heart complaint but it gets bad when I am stressed and fear that a door stop collector appearing at my door will make me ill or do you think i should leave it be as it is unlikley one will appear and it is just one of their tactics.

newlywed

I had one company refuse to accept the DMP until I started actually paying and then they accepted anyway

Often companies have to issue a default before they will stop interest (Mint took about 4 months to do this).

You can only get one default for each debt (as far as I remember) and these stay on your credit report for 6 years from the date of the default notice - so yes the sooner you get them, the better

GhostHunter_3

Hi

Personally I would lodge an official complaint. Then you always have evidence if needed in future for whatever reason you may require it.

Sure someone will be along soon to help more than I can.

I know its easier said than done but try to stay calm for your own sake. Im a fine example just look at the panick ive been in even before completing a DMP! :rotfl: probably be asking the same question myself 1 day!

Best wishes and take care.

rayday2

longforthesun wrote: »

Oh I am sooo angry. This morning there was a letter from Mercers advising that they are sending a door stop collector. Now part of me knows that it is unlikley but another part of me is mad. Mercers know the reason we are in financial difficulties is because I have given up work due to ill health. I have paid token payments, answered their calls and wrote to them several times to keep them up to date. i really want to send a letter to them saying i feel their threats are disgusting and explaining that one of my conditions is a minor heart complaint but it gets bad when I am stressed and fear that a door stop collector appearing at my door will make me ill or do you think i should leave it be as it is unlikley one will appear and it is just one of their tactics.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Check out above link but I reckon you have them on several counts of this, so usual boring rayday stuff, OFFICIAL COMPLIANT at top of letter and recorded delivery.

2.11 Those visiting debtors must not act in an unclear or threatening manner.
2.12 Examples of unfair practices are:
a. not making the purpose of any proposed visit clear, for example, merely
stating that collectors or field agents will call is not sufficient
b. visiting a debtor when it is known they are vulnerable, for example, when
a doctor's certificate has been provided stating that the debtor is ill
c. continuing with a visit when it becomes apparent that the debtor is
distressed or otherwise vulnerable, for example, it becomes apparent that
the debtor has mental health problems
d. entering a property uninvited
e. not leaving a property when asked to
f. visiting or threatening to visit debtors without prior agreement when the
debt is deadlocked or disputed1

g. not giving adequate notice of the time and date of a visit2

h visiting debtors, unless requested, at inappropriate locations such as work
or hospital.