Snotty letters

Krasnoludek

Hi

Just a quick one, honest!

We are into our DMP with CCCS now which started in April, some of our creditors have accepted it, some have not but on the whole we arent being hassled as we went into the DMP at the stage where we went really behind with anything but realised it was going downhill and things couldnt carry on as they were.

We owe about 19K, the majority on two cards, Lloyds and Virgin/MBNA.

Lloyds were phoning us every day but stopped after we sent them a letter off here and actually sent us a letter to apologise. It all seems to be going a bit too smoothly.

Anyhoo we got a snotty letter from MBNA saying we had chosen not to pay our arrears and we had chosen not to bring our account up to date (we owe about 6.5k by the way) meant that they would report us to the credit reference agency (duh!) and may take legal action or pass us onto a DCA.


Is it worth writing back or phoning them, I just find the letter really irritating, its like we are sat here saying "nah!" not that we have tried to take steps to help ourselves and are making regular payments. We have never missed a payment although granted now we are on the DMP its not the amount they want from us.

Am I getting myself in a tizz about nothing here or should I reply or file it with the others

Thanks

K xx

brightonman123

are they part of the cccs plan? i would refer them to that- someone would have had to agree/log their involvement, and mark your a/c accordingly..

Krasnoludek

Yes, all of our debts, even an old energy bill, its all lumped together with the DMP payment.

All the creditors know about the DMP, they have all had budgets and payments, I think they are just trying to pressure us into paying more off the debt

K x

Donedoingdebt

MBNA are not known for taking a softly softly approach to anyone who does not make their minimum payments.
This is usual practise for them. You can either let it annoy you or as brightonman 123 says, just pass any correspondence on to CCCS & let them deal with it.
They will eventually quieten down when they're sure they can't squeeze any more money out of you.

Krasnoludek

I think I will just file it away with the other letters tbh.

On the new statement they sent us it looks like they have stopped charging us interest so despi e their snotty letter they cant be that bad (or can they!)

I dont really think they (or any of the others) can do so much except pass us onto a DCA as we are maintaining our payments and all of the debts are unsecured (we owe the most to MBNA) so I guess it wouldnt be in their interest to take us to court for a CCJ as anyone can already see we are making an effort, or am I being a bit naive here :rolleyes:

K x

HHH_2

I've found DCAs better to deal with all have stopped interest and I just get a letter each month showing my various balances going down. It wouldnt be worththeir while taking you to court.