DMP Mutual Support Thread (Part 4)

maz1964

hello all

and warm welcome to the new members, gosh a lot of you hope you stay with us here for a long time

anyway ive started back at work and so less time for my addiction here lol

however im still on my debt busting journey, but i do wish this year will soon be over and done as its been the worst year of my life, debt wise, but then on reflection its been the turning point too with joining here as ime learning something new every day

anyway take care and i will catch up with you all soon

hope the regulars are all okay keep up your spirits, and take care too

ciao for now MAZ

tranceaddict

MissKJ wrote: »

This is what I am dreading. The phone calls.

Cant use natwest, they are one of my creditors. i was looking for an alternative to co-op as there isnt a branch near me if i need to go in to show my id verification?

Hi

I set up my co-op account over the phone, didn'y need to show any ID in a branch (in fact I've never been into a co-op branch as the post office can do all the transactions).

Had my account number and electron card within a week, and they aslo have on-line banking, no problems at all with them.

R

craigp_2

I've decided to build up the courage to do my DMP as I cant live the way I am anymore.I've just got off the phone to payplan and have an appointment booked tomorrow night.

I also have an appointment this afternoon to sort out a new back account.

catwoman150

I need a bit of help if anyone has been dealing with a company called aegis. I have started a DMP on my own on the 1t of Oct and it is only early days. MBNA have passed my debt onto a company called Aegis. I don't know if they are connected to MBNA or an outside company anyway they have phoned me several times and this morning I get a postcard form Aegis to say that they will be calling on thursday between 8am and 8pm. I dont know if that means that I will get a telephone call from them or that they will turn up on my doorstep. Should I phone them and explain? as I have already done this about three times.

Any help would be great.

Rabbit-in-headlights

craigp wrote: »

I've decided to build up the courage to do my DMP as I cant live the way I am anymore.I've just got off the phone to payplan and have an appointment booked tomorrow night.

I also have an appointment this afternoon to sort out a new back account.

Hi Craig, just wanted to say well done - you've taken your first step to getting your life back! :T :T :beer:

Welcome to the DMP Support Thread, keep posting and you'll find loads of support, practical and emotional right here :j


Good luck,


Rabbit

Rabbit-in-headlights

catwoman150 wrote: »

I need a bit of help if anyone has been dealing with a company called aegis. I have started a DMP on my own on the 1t of Oct and it is only early days. MBNA have passed my debt onto a company called Aegis. I don't know if they are connected to MBNA or an outside company anyway they have phoned me several times and this morning I get a postcard form Aegis to say that they will be calling on thursday between 8am and 8pm. I dont know if that means that I will get a telephone call from them or that they will turn up on my doorstep. Should I phone them and explain? as I have already done this about three times.

Any help would be great.

Hi Catwoman,

Please don't phone them - make sure you have a written record of all communication, don't answer the phone when they call you. Put your offer for reduced payments in writing and send it recorded delivery - keep a record of the proof of delivery in case you ever need to prove it in court.

Somewhere on this forum there's a letter template which you can use to tell them they have no right to come to your home - I 'll look it up and post a link shortly. From what others have said, I think it's unlikely to be more than a scare tactic, though - and if they do turn up, you don't have to answer the door and DO NOT let them inside your home!!! They have no rights.

I also got calls and a text message from Aegis for MBNA debt (A&L credit card), I did try to text back and I got a mesage back saying it was an invalid number! I think they just chase on behalf of MBNA. Since then I've had my DMP offer accepted and interest frozen.:o

Rabbit

catwoman150

Cheers for that, they have a letter from me about my creditors and my SOA, they have not at the moment accepted my arrangment but I have only paid one payment.

Rabbit-in-headlights

Hi Catwoman, here's a link to that template to stop doorstep callers (see post #2):

http://forums.moneysavingexpert.com/showthread.html?p=15101895&highlight=trespass#post15101895

I would just carry on paying them regularly, they will probably accept after a couple more monthly payments.

There may be others with more experience of self-managed DMP's who can give more advice (I'm with CCCS, so am letting them deal with my creditors!)

Keep us informed on how you get on with Aegis,

cheers


Rabbit

catwoman150

Rabbit-in-headlights wrote: »

Hi Catwoman, here's a link to that template to stop doorstep callers (see post #2):

http://forums.moneysavingexpert.com/showthread.html?p=15101895&highlight=trespass#post15101895

I would just carry on paying them regularly, they will probably accept after a couple more monthly payments.

There may be others with more experience of self-managed DMP's who can give more advice (I'm with CCCS, so am letting them deal with my creditors!)

Keep us informed on how you get on with Aegis,

cheers


Rabbit

Cheers for that who do I send the letter to. The address I have for MBNA or Aegis. I have two addresses for Aegis one in Birmingham or the one in India ?

Rabbit-in-headlights

catwoman150 wrote: »

Cheers for that who do I send the letter to. The address I have for MBNA or Aegis. I have two addresses for Aegis one in Birmingham or the one in India ?

Send to Aegis, if they are the ones threatening to visit, definitely send to their Birmingham address, the India address is probably only a call centre so will likely take instructions from the head office (and it's a long way for them to come to knock on your door, lol )

I had a read of the thread link I pasted in above and there's some great ideas on handling DCA phonecalls, the "doing the vacuuming" one works for me lol!:T

Rabbit