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  • FIRST POST
    • sourcrates
    • By sourcrates 26th Mar 17, 11:20 AM
    • 17,675Posts
    • 16,632Thanks
    sourcrates
    DMP Mutual Support Thread - Part 12
    • #1
    • 26th Mar 17, 11:20 AM
    DMP Mutual Support Thread - Part 12 26th Mar 17 at 11:20 AM
    Welcome to the DMP mutual support thread Part 12 !!

    Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for.

    There is help on getting interest and charges stopped, how to start with an emergency fund, defaults, token payments and lots more.

    If you are in a DMP or thinking of one, this is the place to be. We are non judgmental and all questions are welcome.

    Again the old thread was getting a tad long, so time for a new one.

    The old thread can be found here :

    http://forums.moneysavingexpert.com/showthread.php?t=5285089

    Once again, i think the original "newbie" post by sazzie23 still rings true.
    Last edited by sourcrates; 26-03-2017 at 11:50 AM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
Page 246
    • Larz07
    • By Larz07 18th Sep 18, 4:53 PM
    • 8 Posts
    • 3 Thanks
    Larz07
    Hi, I have recently started a debt management plan and my biggest debt is with a credit union , that previously took repayment direct from my salary (they are not my employer) . They agreed to stop the payments from my salary whilst they review my debt management plan. However, they are now saying that they do not accept the debt management plan and will be starting up the repayments from my salary again. Is there anything I can do about this , as it is over 300 a month and I can not afford this . Any advice greatly appreciated
    • January2015
    • By January2015 18th Sep 18, 5:10 PM
    • 2,346 Posts
    • 5,547 Thanks
    January2015
    Hi, I have recently started a debt management plan and my biggest debt is with a credit union , that previously took repayment direct from my salary (they are not my employer) . They agreed to stop the payments from my salary whilst they review my debt management plan. However, they are now saying that they do not accept the debt management plan and will be starting up the repayments from my salary again. Is there anything I can do about this , as it is over 300 a month and I can not afford this . Any advice greatly appreciated
    Originally posted by Larz07
    Put it in writing to you employer that with immediate effect you are withdrawing authorising for money to be deducted from your salary and paid to this third party. In the same letter/email, request a response acknowledging they have updated their records and have removed the authorisation to deduct payments from salary.

    Quite often creditors do not accept DMP offers - but the end result is they like it or lump it. Don't worry too much that they are not accepting your offer, but importantly you need to stop the deductions from your salary.
    DFW Nerd No. 1484 LBM 07/01/15 Debt was 95k I'm driving it down
    1k emergency fund (member #84) 1k/1k
    • Larz07
    • By Larz07 18th Sep 18, 5:16 PM
    • 8 Posts
    • 3 Thanks
    Larz07
    Will my employers do that ? The union are saying they will resend my original signed agreement to my employer
    • Larz07
    • By Larz07 18th Sep 18, 5:33 PM
    • 8 Posts
    • 3 Thanks
    Larz07
    Will my employers do that ? The union are saying they will resend my original signed agreement to my employer
    Originally posted by Larz07
    Put it in writing to you employer that with immediate effect you are withdrawing authorising for money to be deducted from your salary and paid to this third party. In the same letter/email, request a response acknowledging they have updated their records and have removed the authorisation to deduct payments from salary.

    Quite often creditors do not accept DMP offers - but the end result is they like it or lump it. Don't worry too much that they are not accepting your offer, but importantly you need to stop the deductions from your salary.
    Originally posted by January2015
    Will my employers do that? They are saying they will resend my original signed agreement to my employer to re start the payments
    • January2015
    • By January2015 18th Sep 18, 5:39 PM
    • 2,346 Posts
    • 5,547 Thanks
    January2015
    Will my employers do that? They are saying they will resend my original signed agreement to my employer to re start the payments
    Originally posted by Larz07
    Put in the letter/email to your employer that you withdraw authority to make payments to xxxxx (credit union) from your salary with immediate effect. Put in the letter you have no intention of reinstating any such authority and if any is submitted by the credit union your payroll department are not authorised to make payment from your salary. Put in the letter, if payroll are in any doubt please ensure they contact you for authorisation prior to making any payments.

    Payroll cannot make payments to third parties without authorisation, unless it is an attachment of earnings order from a court. The credit union can try and send the original signed agreement - payroll HAVE to honour your request for who is paid from your salary. Important that you put all this in writing and request confirmation that they have received and understood your letter.
    DFW Nerd No. 1484 LBM 07/01/15 Debt was 95k I'm driving it down
    1k emergency fund (member #84) 1k/1k
    • Larz07
    • By Larz07 18th Sep 18, 5:43 PM
    • 8 Posts
    • 3 Thanks
    Larz07
    Put in the letter/email to your employer that you withdraw authority to make payments to xxxxx (credit union) from your salary with immediate effect. Put in the letter you have no intention of reinstating any such authority and if any is submitted by the credit union your payroll department are not authorised to make payment from your salary. Put in the letter, if payroll are in any doubt please ensure they contact you for authorisation prior to making any payments.

    Payroll cannot make payments to third parties without authorisation, unless it is an attachment of earnings order from a court. The credit union can try and send the original signed agreement - payroll HAVE to honour your request for who is paid from your salary. Important that you put all this in writing and request confirmation that they have received and understood your letter.
    Originally posted by January2015
    great, I will do that tomorrow. Thank you for your help
    • sourcrates
    • By sourcrates 18th Sep 18, 9:41 PM
    • 17,675 Posts
    • 16,632 Thanks
    sourcrates
    We now have a shiny new thread, part 13 can be found in the sticky’s here :

    https://forums.moneysavingexpert.com/showthread.php?t=5897083

    Thanks.
    Last edited by sourcrates; 18-09-2018 at 10:09 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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