DMP Mutual Support Thread (Part 4)

rugbymum

on the cheap loo roll front, can I recommend Lidl own brand recycled? not a cheap as some but LURVELY! and good for planet etc etc!

shellfishb5

Morning everybody
WARNING
Sorry this is a long post
I have got my DMP up and running with CCCS everything seemed ok, i went to my bank HSBC with whom i have a current account which i am still using at the moment and a joint acct which is on my DMP. So i went to use ATM and the machine chewed up my card i went in the branch and asked why. Eventually we find out that HSBC collections people have arranged a managed loan to cover the overdraft thats on the DMP lady in the branch knew nothing about this, but she did find out that my current acct is still ok to use and they are sending me a new solo card to use. I cant understand why i had not received a letter telling me about this loan and my card being cancelled.
I phoned CCCS and ask if they were aware of this loan arrangement, i have been told on no acct sign any paperwork apparently i have to sign a loan agreement for this loan. its a trick as once you sign loan agreement you are in breech of your DMP arrangement and CCCS would not be able to help me anymore, with the loan you end up paying more money and extra interest on top as well, the man from collections dept was telling me that this is what hsbc policy is, that they give me a loan to cover the debt and then CCCS pay the loan through the DMP so beware i dont know if this common policy or a new trick used by the nasty banks.
i have managed to open a basic acct with natwest so i am going to hsbc today and withdraw all my funds and put in new acct

take care
Andy

Kudox

rugbymum wrote: »

on the cheap loo roll front, can I recommend Lidl own brand recycled? not a cheap as some but LURVELY! and good for planet etc etc!

Cheers for that Rugbymum, maybe we should start a new Cheap Loo Roll thread ha ha!:rotfl:

Gemmzie

Dealt with Blair, Oliver and Scott today finally, they seemed alright actually. Now time to write to Halifax and get the charges back

debt_daisy

evening all,

Just a quick question- I was wondering if I can claim back bank charges/credit card charges when I start my dmp? I just wondered if anyone else has done this and if so if there is a standard letter or procedure advice on here before I go trawling for hours?! I am already receiving these charges for not making payments this month- they have accepted the token payments but then also charged me?!

xx DD

Kudox

I'd be interested in the answer to this too, also in same postion of still being charged.

debrag

I have been claiming my Nationwide charges. and I'm on a DMP with Payplan, I just went the same route as anyone else.

Gemmzie

We've waited until they've gone to debt collectors or stopped, makes it easier to just claim once.

ruthie70

Hi everyone - CCCS called today just to confirm that I was happy with figures etc. and if yes, they would activate the plan and write to the creditors. We are on a low-start DMP and will be paying £427 per month for 101 months. Have started to get a trickle of letters:-

Littlewoods - you are in arrears blah blah,pay us £59 today, also charge of £12 :mad:

MINT - thanks for your correspondence, please see details that the CCCS may ask for - amount oustanding etc. Account will now go to default - fair enough.

ruthie70

debt_daisy wrote: »

evening all,

Just a quick question- I was wondering if I can claim back bank charges/credit card charges when I start my dmp? I just wondered if anyone else has done this and if so if there is a standard letter or procedure advice on here before I go trawling for hours?! I am already receiving these charges for not making payments this month- they have accepted the token payments but then also charged me?!

xx DD

Hi DD - you'll find all the info and template letters on the Reclaiming £1000s tab at the top of the site. You must cite financial hardship so they will look at your case - they are not looking at the bog standard claims at the moment until the result of the pending test case. I am planning to do this too but not sure whether to wait until all the charges have been added, I think I'll start with RBS and see how it goes - reckon I can claim about £400 from them, which would quarter their debt (overdraft).