DMP Mutual Support Thread (Part 4)

dumb_luck

andytwonames wrote: »

Phone rings
get phone out of pocket
look at display
see it's RMA (or whoever)
Slide the phone open (answer the call)
Slide the phone shut (hang up)
Put phone back in pocket
Get on with my life

It's a good idea Andy.

PtP have threatened to call my workplace despite my requesting them not to if I do not have phone contact with them. They refuse to put anything in writing as well. They've called me 8 times today so far- you'd think they'd have realised after 3 weeks that I'm not going to answer and that I and PayPlan meant what we said in our letters.

rayday2

Debt companies are allowed to ask for evidence, but you are within your rights to just send them another income and expenditure sheet, they have to take your statement at face value - probably why they like telephone contact to find holes.

Ossireo

GhostHunter wrote: »

Thanks
Thats true but I already receive housing benefit and the £85 is what I pay in addition to what HB we are entited to.

I think you might have misunderstood me.

For example I get £400.01 HB per calander month and my rent is £475.00

So on my SOA I add £400.01 in the benefits box and £475.00 in the rent box as the excess is something I need to then pay out of my other income.

Now you have mentioned that you DONT pay the excess as your MIL is being nice and not asking for it.

If I didn't have to pay my excess, then my SOA would be amended to £400.01 benefits and £400.01 rent as I don't have to find the excess out of my other income as I am not actually paying it.

Hope this is clearer? You should only include on your SOA the actual costs you are paying each month (rather then what you 'should' be paying)

I'm sorry if its still not clear, I tend to suck at explaining stuff

rayday2

dumb_luck wrote: »

It's a good idea Andy.

PtP have threatened to call my workplace despite my requesting them not to if I do not have phone contact with them. They refuse to put anything in writing as well. They've called me 8 times today so far- you'd think they'd have realised after 3 weeks that I'm not going to answer and that I and PayPlan meant what we said in our letters.

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

Take a look through there and if there is anything they have done that the shouldn't quote the above and state what they did to break it. Put in writing with FORMAL COMPLAINT accross the top. If they have broken the guidelines don't forget as well as just complaining put in the letter what you would like them to do, ie, stop interest, refund charges, accept plan and refrain from telephone calls.

GhostHunter_3

Ossireo wrote: »

I think you might have misunderstood me.

For example I get £400.01 HB per calander month and my rent is £475.00

So on my SOA I add £400.01 in the benefits box and £475.00 in the rent box as the excess is something I need to then pay out of my other income.

Now you have mentioned that you DONT pay the excess as your MIL is being nice and not asking for it.

If I didn't have to pay my excess, then my SOA would be amended to £400.01 benefits and £400.01 rent as I don't have to find the excess out of my other income as I am not actually paying it.

Hope this is clearer? You should only include on your SOA the actual costs you are paying each month (rather then what you 'should' be paying)

I'm sorry if its still not clear, I tend to suck at explaining stuff

Thanks I think I understand, what you are saying is that on my SOA I should state my Incapacity Benefit is £385. and not £300?

Even though we receive Housing Benefit we dont actually see it (if that makes sense?) as it goes direct to Landlord (ie MIL). Effectively we should also be giving MIL £85 a month, for which our rent books show :shhh:


I really do need to get these off today, just had a letter in mail from Nationwide Credit Card to say if I dont make arrangements to clear the £93.35 they will instruct KRP Debt Collection to recover the outstanding ballance (£1,602.) and another from Aqua Credit Card to sayI am severely in Arrears and its under review by arrears dept.:eek:

andytwonames

rayday2 wrote: »

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

Take a look through there and if there is anything they have done that the shouldn't quote the above and state what they did to break it. Put in writing with FORMAL COMPLAINT accross the top. If they have broken the guidelines don't forget as well as just complaining put in the letter what you would like them to do, ie, stop interest, refund charges, accept plan and refrain from telephone calls.

Try this letter - amended as needed to fit your facts.....

I wrote to you on <date> advising you of my current financial difficulties and asked that, for the time being, you suspend any interest and service charges on the account. I also stated clearly that I wished to deal with this matter by written correspondence only.

Since then, I have had no direct response from you and I am disappointed to see that a further £xx in charges and £xx in interest has been added to the account.

Furthermore, in spite of my very clear, unambiguous request, I have this week been pestered on a daily basis by telephone calls to both my home and mobile numbers on your behalf from an organisation calling themselves RMA. <... or whoever...>

I now formally insist that all further correspondence be made in writing only.

I demand that these phone calls stop immediately. I am familiar with the terms of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997 and I believe the harassment from your agents places you and your agents in breach of these acts.

Take note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

You will be deemed to have been served notice of my request and I will consider it served by <date - a few day after posting>. Any calls received after this date will be recorded with the intention of them being used as evidence.

These telephone calls are in breach of the Office of Fair Trading guidelines. If your agents continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office.

Furthermore, calls to my mobile telephone occur during working hours and I am therefore at my place of employment. Calls at this time constitute harassment on your part; and are an attempt to put undue pressure on a debtor by attempting to embarrass them at their place of work.

ANY further telephone calls to my place of employment will result in a formal complaint being raised with relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

This letter was sent by recorded delivery DV xxxx xxxx xGB

Ossireo

GhostHunter wrote: »

Thanks I think I understand, what you are saying is that on my SOA I should state my Incapacity Benefit is £385. and not £300?

Even though we receive Housing Benefit we dont actually see it (if that makes sense?) as it goes direct to Landlord (ie MIL). Effectively we should also be giving MIL £85 a month, for which our rent books show :shhh:

No thats not what I am saying Basically just leave off the rent completely then, much like I leave off the Council Tax as mine is covered by council tax benefit and I dont see it.

If you DONT actually PAY the £85 then it shouldn't be on the SOA.

Can anyone else help me explain?

GhostHunter_3

Ossireo wrote: »

No thats not what I am saying Basically just leave off the rent completely then, much like I leave off the Council Tax as mine is covered by council tax benefit and I dont see it.

If you DONT actually PAY the £85 then it shouldn't be on the SOA.

Can anyone else help me explain?

My appologies I think you made it clearer with that last sentance. Thanks I am now £85. richer

Income

Tax Credit 317.52

IB Benefit 300.00

Total income 617.52

Expenditure


Rent 85.00
Council Tax 64.00
Water rates 38.15
Contents Ins 20.12
Gas 66.50
Electric 66.50
TV License 11.95
Phone and mobile 31.85
other
Broadband 14.63
Sky 31.00
Pet Insurance 25.49 (2 dogs)

Total expenditure - £455.19

Priority debts

Gas 151.50 (cant say how much extra payment to clear is)
Electric 151.50 (cant say how much extra payment clear is)

Total priority debts

£303.

Creditor Debts

Aqua CC 1,147.
Cap 1 CC 802.
Nationwide CC 1,603.
Skycard CC 625.
HFC loan 255.
HFC loan 635.
HFC loan 84.
BPF loan 167.
Lloyds TSB loan 4,900.

Ttal creditor debts - £10,218


617.52
455.19 -
______
162.33
______



Dont pay £85 rent so really I have a surpless of £247.33.

Next question, how much of that is for food (2 adults + 2 dogs) and how much to offer DMP?

The end is in sight hurrah!

CCCS_Sarah

misspixierocktastic wrote: »

Afternoon everyone my pack from cccs arrived on saturday so when i get home i will start putting everything together

I have a slight concern though, I have listed one of my debts as an alliance and leicester credit card that has my name on it, however the bills and the statements are in my mums name, When she first took out the credit card she took out one for herself and one for me as its my credit card and has my name on it and i pay the payments from it can i still list it as my debt, or do you think that cccs will disallow it because the paperwork is in my mums name?

Hello,

Just read your post, best thing would be to give us a call so we can look over your budget. There should be a contact number in the pack. If you can find the number let me know and I will PM you with it.

Sarah

WhoopieDoodle

Welcome Bristoldebt, it's great here! I know it's easy to say don't worry and chances are you won't stop worrying, but things will settle down. When you first enter the DMP it can be a little mad for a few weeks, but once the creditors realise you are doing what you can to pay the debt and you can't offer them anymore than the sum stated, they will back down and you will find you have days and sometimes weeks with no contact from them.

Also, for now, don't worry about the interest. It is scary at first, watching the debts escalate (spelling?) but this happens to everyone and again, it will stop eventually.

GH, ring National Debtline as they are very, very good. xx