DMP Mutual Support Thread (Part 4)

andytwonames

GhostHunter wrote: »

"I cannot now afford to the previously agreed monthly payments because of having to give up work due to ill health in late 2007 and now the added pressure of recent higher living costs."

Less is more as they say. This gives them all the information they need and are entitled to.

If you give them more info, it will give them more things to query and pick holes in.

Ossireo

GhostHunter wrote: »

"I cannot now afford the previously agreed monthly payments because I am still on Incapacity Benefit and no longer have enough savings or income to carry on paying minimum payments.

I am going to go with a reduced version of the 2nd one

rayday2

Thought I should check in, been hectic and expensive this end. My two eldest came back from there nannys and I don't think I have stopped until this second - here!

I agree with above two, short one gets it for me!

andytwonames

Hello RD. Hows the pegleg?

rayday2

Sore point anti b's finished yesterday and already starting back up again - I am fingers crossed they will suggest something that does not involve hospital that was what he was hinting at last. Best part of a month now suffering after a sports day (see just not cut out for sports )

Its either that or the NHS are making a ton of money selling sherbet capsules lol

Angel_Cake_3

Hi all, just got home and 2 messages from MBNA on landline and mobile.
Said I needed to contact them urgently , it is is my best interest to do so etc etc.. If I do not they will use a more direct way of contacting me!
(to date they have not accepted DMP)
They said they had been in contact with Payplan today and they needed me or hubby to ring them urgently tonight before any sort of agreement of plan could be made.
I am a bit chicken so will get hubby to call when he gets in.
I am worried and need to prepare before we call.
We have previously recd a letter from them saying they will not accept the DMP unless we increase the payments by £50 per month.
Any advice before we call, has anyone had any calls like this or dealings with MBNA?
HELP ......................

rayday2

I have not dealt personally with MBNA but it is important you to stick to what Payplan have said.

Remember Payplan will have supplied all the information they need and all they can do is review it and get back to Payplan.

I would not be drawn into any details in fact I would not bother ringing them but that is just me I don't deal with debt companies over phones. If you want to ring for peace of mind just basically thank them for acknowledging receipt and not supply any more details or obviously find any more for them otherwise you make a mockery of your budget.

Ossireo

@Angelcake

I would agree with RayDay on not calling them to be honest. I had similar in the form of a letter from HSBC and they wanted me to go through my Income & Expenditure to come to an arrangement with them of how much I can pay rather then via CCCS.

I sent the form back with a covering letter and I included the following paragraph

The Consumer Credit Counselling Service will be providing you with my most up to date record of Income & Expenditure along with a list showing how my available income has been divided amongst my creditors, to ensure they and yourself are all dealt with fairly and equally.

I decided in any dealings with my 3 Main Creditors I am going to pretty much say the same that I wont deal with them individually as I am ensuring they all get treated the same and CCCS managing it is the way I ensure it stays fair to all.
I know its not specific to your problem but thought it might give you an angle if you do decide to ring them back.
:A

Angel_Cake_3

rayday2 wrote: »

I have not dealt personally with MBNA but it is important you to stick to what Payplan have said.

Remember Payplan will have supplied all the information they need and all they can do is review it and get back to Payplan.

I would not be drawn into any details in fact I would not bother ringing them but that is just me I don't deal with debt companies over phones. If you want to ring for peace of mind just basically thank them for acknowledging receipt and not supply any more details or obviously find any more for them otherwise you make a mockery of your budget.

Thanks for getting back Rayday, I will not get drawn into detail, I am sure they are going to try and up the payments, this I will not do.

I think for peace of mind, will call. I am going away tomorrow for the weekend and will worry all weekend if we do not call....
wish be luck and will post how we get on!

Angel_Cake_3

Ossireo wrote: »

@Angelcake

I would agree with RayDay on not calling them to be honest. I had similar in the form of a letter from HSBC and they wanted me to go through my Income & Expenditure to come to an arrangement with them of how much I can pay rather then via CCCS.

I sent the form back with a covering letter and I included the following paragraph

I decided in any dealings with my 3 Main Creditors I am going to pretty much say the same that I wont deal with them individually as I am ensuring they all get treated the same and CCCS managing it is the way I ensure it stays fair to all.
I know its not specific to your problem but thought it might give you an angle if you do decide to ring them back.
:A

Thanks Ossireo, will use this quote if it goes down that track - will keep you updaed