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  • FIRST POST
    • sourcrates
    • By sourcrates 18th Sep 18, 10:40 PM
    • 15,560Posts
    • 14,642Thanks
    sourcrates
    DMP mutual support thread part 13 !!
    • #1
    • 18th Sep 18, 10:40 PM
    DMP mutual support thread part 13 !! 18th Sep 18 at 10:40 PM
    Welcome to the DMP mutual support thread Part 13 !!

    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 DMP related questions are welcome.

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

    The old thread can be found here :

    https://forums.moneysavingexpert.com/showthread.php?t=5623951
    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 are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
Page 3
    • January2015
    • By January2015 24th Sep 18, 11:03 AM
    • 2,256 Posts
    • 5,432 Thanks
    January2015
    Just saying Hi on our new shiny thread. Not been on for a while. Just posted on the F&F thread that we have heard back from W*scot re our F&F offer. We offered 15% and they have come back with 30%, this is for 2 of our debts. Can't afford to pay them both off at 30% but wondering if to write back and counter offer at 20 or 25% or whether to just settle one at 30%. Thinking the former actually, as got nothing to lose as even if they say no, we can still go with the one at 30%
    Originally posted by ploppy57
    You can always try and negotiate for 20 or 25%. No harm in trying

    Can I ask who the original creditors were for these 2 debts? I have a couple being handled by this DCA so it would be useful to know who is willing to play ball so to speak
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    • ploppy57
    • By ploppy57 24th Sep 18, 11:07 AM
    • 749 Posts
    • 4,757 Thanks
    ploppy57
    You can always try and negotiate for 20 or 25%. No harm in trying

    Can I ask who the original creditors were for these 2 debts? I have a couple being handled by this DCA so it would be useful to know who is willing to play ball so to speak
    Originally posted by January2015

    Hi January, yes one was with Lloyds and one Halifax. Both big debts, £5k+ and £7k+. That's why we are eager to get these sorted.
    DMP March '15 £57,549. Now £43,583. 24% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... £1500.
    Christmas '18 challenge... £300 /£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • carbootcrazy
    • By carbootcrazy 24th Sep 18, 11:17 AM
    • 5,070 Posts
    • 28,740 Thanks
    carbootcrazy
    Just saying Hi on our new shiny thread. Not been on for a while. Just posted on the F&F thread that we have heard back from W*scot re our F&F offer. We offered 15% and they have come back with 30%, this is for 2 of our debts. Can't afford to pay them both off at 30% but wondering if to write back and counter offer at 20 or 25% or whether to just settle one at 30%. Thinking the former actually, as got nothing to lose as even if they say no, we can still go with the one at 30%
    Originally posted by ploppy57
    . Nice to see you again.

    I've just seen your post on the Full and Final thread and replied to it there.
    Original Debt: £56804 (@02/13). Now: £9048. Almost sub £9000 at long last.
    • Gill42
    • By Gill42 24th Sep 18, 11:18 AM
    • 10 Posts
    • 5 Thanks
    Gill42
    Just started my DMP with stepchange this month been nice to have a bit more money and seemed to of managed much better than I was. My question is this hopefully someone can help. I'm a single parent, does your personal life have to stop on a DMP? I've started to see someone not sure how it will go. But when do you tell someone about your debt problems. Think If I tell him now he will run a mile. So come on guys it does boil over into your every day life. I'm feeling like my life should be put on hold for 8 year because of the debt I'm paying back.
    • carbootcrazy
    • By carbootcrazy 24th Sep 18, 11:35 AM
    • 5,070 Posts
    • 28,740 Thanks
    carbootcrazy
    Just started my DMP with stepchange this month been nice to have a bit more money and seemed to of managed much better than I was. My question is this hopefully someone can help. I'm a single parent, does your personal life have to stop on a DMP? I've started to see someone not sure how it will go. But when do you tell someone about your debt problems. Think If I tell him now he will run a mile. So come on guys it does boil over into your every day life. I'm feeling like my life should be put on hold for 8 year because of the debt I'm paying back.
    Originally posted by Gill42
    welcome to the thread. Congratulations on addressing your debts and starting a DMP. Things will get better from now on. See it as the start of the rest of your life


    I'm sure most people would say it's best to be completely honest with partners not least for the emotional support they can give. As to when to tell all, that's a difficult one. You say you've started seeing someone so I assume the relationship is quite new. If you don't feel he'll stay around if you tell him about your debt situation it might be a good idea to wait a bit. That may have it's drawbacks though as if he still feels he can't cope with it when the relationship is better established it would be a much more upsetting experience when it ends.


    I'm not the one to preach about about this though as I had massive debts of just under £57,000 in 2013 and I never told my partner anything about it. I'm amazed how I managed to keep it all secret and he still hasn't an inkling that I am in a DMP. We have been together since the 1970s but have always kept our finances totally separate. I wasn't worried about him walking out (or throwing me out as the house is in his name) but he has an unpredictably violent temper which I daren't risk. I do know though that the stress and anxiety before I started a DMP when I was constantly terrified of him answering the phone to one of my creditor or, worse still, a debt collector knocking on the door was horrendous. Obviously once the DMP kicked in all that worry dissipated straight away but I still have little twinges of anxiety when I feel he might still find out somehow. That's one of the reasons I was hell bent on getting the debts paid off in the shortest possible time, I just want to be free of them and live a 'normal' life.


    Keep posting. Good luck
    Original Debt: £56804 (@02/13). Now: £9048. Almost sub £9000 at long last.
    • Sadsecret
    • By Sadsecret 24th Sep 18, 11:58 AM
    • 7 Posts
    • 2 Thanks
    Sadsecret
    Hi, please could anyone offer some advice? I've been on my DMP with stepchange for almost a year and its the best thing I've ever done. Paying £700 pm on debts of £30,000 and seeing them come down is amazing. All except one (small) creditor has stopped interest. I assumed that was for the whole of my DMP but have today received a letter from Capital One stating "Thank you for completing your agreement with us, you have cleared your arrears and can now start reusing your card, interest and charges will be applied to your account in accordance with terms & conditions." Panicking!! Obviously I'm not going to use my card (cut up any way!) But should I contact them? Do I write or telephone? Will they stop interest again? Or is this just another standard letter as it doesnt mention my DMP arrangement? Any advice massivley appreciated. Thanks.
    • January2015
    • By January2015 24th Sep 18, 12:01 PM
    • 2,256 Posts
    • 5,432 Thanks
    January2015
    Hi January, yes one was with Lloyds and one Halifax. Both big debts, £5k+ and £7k+. That's why we are eager to get these sorted.
    Originally posted by ploppy57
    That's fantastic. I am so pleased for you

    The F&F may not be quite where you want / need it to be, but at least you know they are open to settle for a good discount.

    Well done
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    • sourcrates
    • By sourcrates 24th Sep 18, 12:04 PM
    • 15,560 Posts
    • 14,642 Thanks
    sourcrates
    Hi, please could anyone offer some advice? I've been on my DMP with stepchange for almost a year and its the best thing I've ever done. Paying £700 pm on debts of £30,000 and seeing them come down is amazing. All except one (small) creditor has stopped interest. I assumed that was for the whole of my DMP but have today received a letter from Capital One stating "Thank you for completing your agreement with us, you have cleared your arrears and can now start reusing your card, interest and charges will be applied to your account in accordance with terms & conditions." Panicking!! Obviously I'm not going to use my card (cut up any way!) But should I contact them? Do I write or telephone? Will they stop interest again? Or is this just another standard letter as it doesnt mention my DMP arrangement? Any advice massivley appreciated. Thanks.
    Originally posted by Sadsecret

    Hi,


    Could be a standard letter, but best to respond and tell them your situation will be more long term, you are on a DMP with stepchange, and request a permanent cessation of interest and charges to be applied to your account, until the full balance is repaid.
    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 are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • January2015
    • By January2015 24th Sep 18, 12:05 PM
    • 2,256 Posts
    • 5,432 Thanks
    January2015
    Hi, please could anyone offer some advice? I've been on my DMP with stepchange for almost a year and its the best thing I've ever done. Paying £700 pm on debts of £30,000 and seeing them come down is amazing. All except one (small) creditor has stopped interest. I assumed that was for the whole of my DMP but have today received a letter from Capital One stating "Thank you for completing your agreement with us, you have cleared your arrears and can now start reusing your card, interest and charges will be applied to your account in accordance with terms & conditions." Panicking!! Obviously I'm not going to use my card (cut up any way!) But should I contact them? Do I write or telephone? Will they stop interest again? Or is this just another standard letter as it doesnt mention my DMP arrangement? Any advice massivley appreciated. Thanks.
    Originally posted by Sadsecret
    Don't panic. Write back to Cap One and advise your financial situation has not changed since your entered your DMP. Your DMP will take xx years. Formally request that they continue to freeze interest and charges and default your account promptly. Advise that all other creditors have supported you by doing this (if they have).
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
    • 2017spark
    • By 2017spark 24th Sep 18, 1:13 PM
    • 36 Posts
    • 46 Thanks
    2017spark
    Hi all,
    I'm just starting to restart my self-managed DMP after considering getting SC to take over but I think id like to do this myself - especially around the option of snowballing etc.
    The one company I've had issues with in the past is Avant Credit, does anyone have any experience of them?
    The last time I spoke to them they wouldn't accept a plan that wasnt managed by a debt management company. I have now paid nothing to them for over 6 months, and indeed heard nothing from them!
    thanks X
    • sourcrates
    • By sourcrates 24th Sep 18, 2:07 PM
    • 15,560 Posts
    • 14,642 Thanks
    sourcrates
    Hi all,
    I'm just starting to restart my self-managed DMP after considering getting SC to take over but I think id like to do this myself - especially around the option of snowballing etc.
    The one company I've had issues with in the past is Avant Credit, does anyone have any experience of them?
    The last time I spoke to them they wouldn't accept a plan that wasnt managed by a debt management company. I have now paid nothing to them for over 6 months, and indeed heard nothing from them!
    thanks X
    Originally posted by 2017spark

    Hi,


    Yes they are an American company and are quite evasive to deal with, they have recently been through a cash crisis which saw them settling loan accounts at a fraction of what was owed, in an attempt to bolster there cash reserves.

    Although they operate in the UK under FCA license, and are subject to the same laws and rules as any other financial institution operating in the UK, but they tend to run the business along American methods of working, which differ greatly to our own.

    You could do nothing, in time the account will be sold on, or, you can still make the suggested payments to them, they wont not accept them, and this, if anything, will even quicken the sale process.
    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 are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • 2017spark
    • By 2017spark 24th Sep 18, 2:13 PM
    • 36 Posts
    • 46 Thanks
    2017spark
    Thank you! I've been having a search on them and know they are American - but didn't know they were going through their own crisis!
    I have previously made them an offer of payment, and requested details in order to make payments which they will not supply. I asked them to pass my account onto a DCA in order to make payments but have heard nothing, this was a few months ago.
    I think I will send one further letter along with the others offering payment against my debts for my DMP and I cant do much more....
    On their website they will only allow payment by adding my debit card details to their database and I'm not sure I trust them to stick to my payment schedule, id rather I set up a SO or direct transfer to them
    Thanks for your help!

    Hi,


    Yes they are an American company and are quite evasive to deal with, they have recently been through a cash crisis which saw them settling loan accounts at a fraction of what was owed, in an attempt to bolster there cash reserves.

    Although they operate in the UK under FCA license, and are subject to the same laws and rules as any other financial institution operating in the UK, but they tend to run the business along American methods of working, which differ greatly to our own.

    You could do nothing, in time the account will be sold on, or, you can still make the suggested payments to them, they wont not accept them, and this, if anything, will even quicken the sale process.
    Originally posted by sourcrates
    • yoyo33
    • By yoyo33 24th Sep 18, 10:37 PM
    • 4 Posts
    • 0 Thanks
    yoyo33
    Hi all.
    I'm going to be starting a dmp in the next couple of months. I'm going to be self employed (had to leave my other job due to childcare) and been advised I need to go through business dept due to being self employed. I have spoken to them and they were very helpful etc. But I have to have 3 months of self employed work before they work out a dmp plan. I would be setting up a joint dmp with my husband who has a fairly good wage. But I've been told would still need to be set up through business dept side of as as I'm self employed. Even though my income will be low to start with.
    They also said because my husband gets a regular bonus. But it fluctuates very much. They said they will work it out over a year to get an average.
    I really want to get it all moving now as worried about delaying normal payments ro creditors. But just wondered if anyone has any advice or experience of a dmp when self employed. Or a dmp when getting a regular bonus As I can't find much on the forum regarding this.
    Also i want to set up a emergency fund
    But worried they will want to take this when the dmp is first set up. But really want to have some money put to one side just incase. Thanks for and advice. :-)
    • DourPower
    • By DourPower 24th Sep 18, 11:10 PM
    • 6 Posts
    • 0 Thanks
    DourPower
    newb confusion
    Hi all - been lurking and reading and trying to get my head around DMPland... you lot on here are actually amazing! I doff my cap to you.

    Me and my wife are both likely to go this route as we're both running out of credit and the ability to meet our minimum payments, and have been robbing peter to pay paul and are pretty much at our wits end. We rent, no mortgage, and manage all our finances seperately though we tend to divvy joint things up 50/50 apart from rent, which I pay most of as I earn more..

    She'll probably go first, and wants to go managed, and as she has a small amount of her income from self employed nannying SC wouldn't touch her and referred her to Business debt line, which seems to be part of national debt line.. fair enough. But all the forms, (and nedcab too as far as I can tell) seem to require full joint household income/outgoings... I don't want to do a Joint DMP as I want to do self managed.

    so on her form do we put (say) £250/mo husband managing his own damn debts as an 'essential outgoing'? (and vice versa)

    And also, on her forms do we outline my level of debt? (and vice versa)

    working through the forms and trying to be realistic/generous/at least not too austere with our outgoing figures it looks as if the outgoings are greater than the income.. would that be normal? I mean, that's why we're in this stressful debt spiraling... but if that's the situation how do they allot an amount for paying off predators?

    p.s. I'm not yoyo's husband, although her post just above here seems amazingly similar!
    • yoyo33
    • By yoyo33 24th Sep 18, 11:56 PM
    • 4 Posts
    • 0 Thanks
    yoyo33
    p.s. I'm not yoyo's husband, although her post just above here seems amazingly similar![/QUOTE]

    Haha. How funny. I agree very similar situation.
    We would have separate dmps but we have a joint loan with nram to include and was told it would have to be a joint dmp due to this 🤷!♀️. I might look into that a bit more . Good luck with yours 👍
    • Suseka97
    • By Suseka97 25th Sep 18, 10:14 AM
    • 448 Posts
    • 575 Thanks
    Suseka97
    ......I have previously made them an offer of payment, and requested details in order to make payments which they will not supply. I asked them to pass my account onto a DCA in order to make payments but have heard nothing, this was a few months ago.
    I think I will send one further letter along with the others offering payment against my debts for my DMP and I cant do much more....
    On their website they will only allow payment by adding my debit card details to their database and I'm not sure I trust them to stick to my payment schedule, id rather I set up a SO or direct transfer to them.
    Originally posted by 2017spark
    They sound like a real pain to deal with. I'd do as you suggest and write one more letter with your offer of payment, stating clearly that it will be your last offer and that they must provide payment details. They'll probably continue to ignore and hopefully sell the debt on - but if they did attempt to escalate collection activity, you'll have definitive proof of your attempts to resolve the situation. I would also never give a DCA my debit card information because cancelling that type of payment is a nightmare. I once made the mistake of giving my card details to an online retailer not realising (in the teeny tiny small print) I was actually subscribing to some sort of regular payment for future products. It took quite a few phone calls to my bank (and a good deal of time) to get them to cancel it!
    LBM Apr13: 14 Creditors / £85k+ owed / £11k outstanding (3 x UE / 3 x outstanding) DMP on hold
    • Walker42
    • By Walker42 25th Sep 18, 2:03 PM
    • 10 Posts
    • 0 Thanks
    Walker42
    Hi I am new to the forum
    Hi,

    I have been on a DMP with Step Change for the last 9 months paying £127 off debt which totals just over £8000.

    My debtors are as follows

    PRA group £2700 ( orignally Barclay Loan)
    Intrum £5400 (originally Barclay card)
    Barlcays unsecured overdraft £270


    I have recently been awarded some money from criminal injuries compensation authority and am wanting to pay off my debt as cheaply as possible by offering a full and final settlement lower than the amount owed.

    I have emailed PRA and Intrum to ask for a copy of my credit agreement. They have both replied saying that they will contact the original lender and get back to me. Intrum wouldnt ask for the agreement until I told them why I wanted it. I told them the reason, Iím not sure if this was a good idea or not, but itís done now. I didn't contact Barlcays re the overdraft I thought that there is no point, not sure If I am right on that one

    I defaulted on the debt in Jan 2014, I canít remember when it was originally taken out, I think at least 2012.

    What I would like to know is if I should try to start negotiating with them now or if I should wait for a response to my request for a copy of the credit agreement. I am not very good a sitting tight and I am very keen to get the matter sorted and move on with my life.

    Also is there any way that they can find out how much compensation I was awarded? Should I put the money elsewhere for the time being?


    Any help you could give me with the above would be gratefully received

    Thanks to everyone who posts on here. Good to know I'm not alone.

    Marie
    • carbootcrazy
    • By carbootcrazy 25th Sep 18, 3:35 PM
    • 5,070 Posts
    • 28,740 Thanks
    carbootcrazy
    I've just come on here to let off steam

    After years of having contact only by letter as I requested I had a phone call today from Link Financial (who own both my MBNA debts). I was out so someone left a message on the landline answerphone asking for me by name to phone them and giving their name as link Financial. Of course just my luck today for OH to get into the house first whilst I was getting the shopping out of the car and listen to the message.


    Luckily the caller didn't give any details why she was trying to contact me but of course OH was insistent on knowing who Link Financial are. Given that I have told him nothing about my debts or DMP I was very annoyed indeed that someone should phone me at this stage. I think managed to fob him off.


    I'm tempted to ring back on the number she gave just to let her know that I strictly forbade contact by phone but I don't feel up to it. The whole thing has unsettled me to be honest. Doesn't take much does it? I'm also very curious to know what was so urgent and hope it might be a settlement offer. I haven't made any initial contact about one yet and don't even know if they phone to offer settlements at all. I've been paying token £1 a month for over a year now. Maybe they just want to review things.


    Sorry about the rant
    Original Debt: £56804 (@02/13). Now: £9048. Almost sub £9000 at long last.
    • sourcrates
    • By sourcrates 25th Sep 18, 4:23 PM
    • 15,560 Posts
    • 14,642 Thanks
    sourcrates
    Hi,

    I have been on a DMP with Step Change for the last 9 months paying £127 off debt which totals just over £8000.

    My debtors are as follows

    PRA group £2700 ( orignally Barclay Loan)
    Intrum £5400 (originally Barclay card)
    Barlcays unsecured overdraft £270


    I have recently been awarded some money from criminal injuries compensation authority and am wanting to pay off my debt as cheaply as possible by offering a full and final settlement lower than the amount owed.

    I have emailed PRA and Intrum to ask for a copy of my credit agreement. They have both replied saying that they will contact the original lender and get back to me. Intrum wouldnt ask for the agreement until I told them why I wanted it. I told them the reason, I’m not sure if this was a good idea or not, but it’s done now. I didn't contact Barlcays re the overdraft I thought that there is no point, not sure If I am right on that one

    I defaulted on the debt in Jan 2014, I can’t remember when it was originally taken out, I think at least 2012.

    What I would like to know is if I should try to start negotiating with them now or if I should wait for a response to my request for a copy of the credit agreement. I am not very good a sitting tight and I am very keen to get the matter sorted and move on with my life.

    Also is there any way that they can find out how much compensation I was awarded? Should I put the money elsewhere for the time being?


    Any help you could give me with the above would be gratefully received

    Thanks to everyone who posts on here. Good to know I'm not alone.

    Marie
    Originally posted by Walker42

    Hi,


    Best practice is to wait for a response to your CCA requests first.

    If you have a current account a snapshot of your balance appears on your credit file.
    But they can only credit check you with permission.
    You have a statutory right to a copy of your credit agreement at any time, please remember that.


    A basic account always shows a zero balance.
    Last edited by sourcrates; 25-09-2018 at 4:25 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 are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • January2015
    • By January2015 25th Sep 18, 5:16 PM
    • 2,256 Posts
    • 5,432 Thanks
    January2015
    I've just come on here to let off steam

    After years of having contact only by letter as I requested I had a phone call today from Link Financial (who own both my MBNA debts). I was out so someone left a message on the landline answerphone asking for me by name to phone them and giving their name as link Financial. Of course just my luck today for OH to get into the house first whilst I was getting the shopping out of the car and listen to the message.


    Luckily the caller didn't give any details why she was trying to contact me but of course OH was insistent on knowing who Link Financial are. Given that I have told him nothing about my debts or DMP I was very annoyed indeed that someone should phone me at this stage. I think managed to fob him off.


    I'm tempted to ring back on the number she gave just to let her know that I strictly forbade contact by phone but I don't feel up to it. The whole thing has unsettled me to be honest. Doesn't take much does it? I'm also very curious to know what was so urgent and hope it might be a settlement offer. I haven't made any initial contact about one yet and don't even know if they phone to offer settlements at all. I've been paying token £1 a month for over a year now. Maybe they just want to review things.


    Sorry about the rant
    Originally posted by carbootcrazy
    Oh I feel so cross for you Excuse the French.... what utter #@!**#@%$ (input characters to ensure I don't get banned )
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k I'm driving it down
    £1k emergency fund (member #84) £1k/£1k
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