Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Default Has anybody had any dealings with The Money Group?

    A friend of mine is having money troubles and has approached The Money Group with a view to either an IVA or a dmpicon.

    I have not heard of this company so can not advise her.

    If anybody has any views or experience of them could you please let me know.

    Thankyou

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  2. #2
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    Default Re: Has anybody had any dealings with The Money Group?

    It seems the Money Group deal with a variety of options to help clear debts :

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    I would just check that they do not charge any fees for their DMPs or IVAs. There are a lot of companies out there who have hidden upfront fees, meaning your money paid to them is not going directly to creditors. Free of charge companies that your friend could try with are CCCS and Payplan.

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    Default Re: Has anybody had any dealings with The Money Group?

    Hi, I have been on a dmpicon with the money group for nearly a year now, i have had no issues whatsoever!
    I got into alot of trouble as i was in a very high paid job and decided to get a few things on finance along with any credit card or catalogue i could get my hands on. At the time this wasn't a prob as i could always make more than a min payment on my bills. Then i got made redundanticon, my pay off obviously covered some things such as my rent and household bills until i found new employment but not my debts. I ended up giving everything i could back but was still left with a 30k debt!!!!! The money group contacted me and usually i would have hung up but i decided to hear them out. By that time i had a new job that didn't pay half as much as the last one and had also fallen pregnant (not good planning on my part!)
    Due to the low income and low maternity pay i would be getting they set me up on a dmpicon, they do charge a small fee but i don't care, my debts are now out of my hands and i no longer have to worry when someone knocks on the door! Obviously being on a dmp the term i pay these debts over has extended but i am paying as much as i can currently afford, my creditors are lucky they are getting anything! Hopefully when i go back to work i can work my way up to a better wage and go for an IVA, at least that way i will have 5 yrs of repayments and i think have some of the debt written off (sounds good to me)
    Hope this helps
    Keribxxx


  4. #4
    Basic Account Holder marion c Novitiate

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    Default Re: Has anybody had any dealings with The Money Group?

    funniy enough i sighned up with them yesterday they seem fine i was going for an payplan dmpicon but i was told they cant freeze interst etc so therefore your debt could get higher while you are paying it and also i was told its run by volenteers and the people also arnt for you they are for the creditors so i thought best to go with this company they seem nice enougha and genuine marion


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    Default Re: Has anybody had any dealings with The Money Group?

    They are a fee charging company and they cannot gurantee that the interesticon would be frozen either. They are apart of the freshstart home loans company.

    Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

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    Basic Account Holder marion c Novitiate

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    Default Re: Has anybody had any dealings with The Money Group?

    so they are part of fresh start how do u know that xx


  7. #7
    Basic Account Holder buzzinmoney Novitiate

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    Default Re: Has anybody had any dealings with The Money Group?

    i used to work for the money group and they are not part of freshstart. they are an independant company, yes there is a small monthly fee and while we cant garuntee to stop all your intrest we always get it lowered. its not just debt managment they do, its energy company switchover, setting up secure trust banking, reclaiming PPIicon and family/friend referrals


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    Basic Account Holder Sophiemay10 Novitiate

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    Default

    I worked at the money group they are part of freshstart and I feel it is [problem] charging people twice or even 3 times there monthly payment as a set up fee over 2 months meaning there creditors don't get paid and I feel that the money group are targeting young single mothers and that they will only sign you up If you have a debit card so they can automatically take payments out of your account so if you don't send your client authority form back and they have taken money you are entitled Tobit back. You are best off dealing with creditors yourself as they are easier to deal with than people think and you don't have to pay any fees or set up costs.


  9. #9
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    Default Re: Has anybody had any dealings with The Money Group?

    They are only doing what all fee management companies do - that doesn't make it right or wrong it is just what they all do. You can do it yourself though with advice from this site as you will have seen and all the letter templatesicon to use are in the libraryicon...


    Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)
    Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS
    Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!
    Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!
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    Basic Account Holder thefourthalien Novitiate

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    Default Re: Has anybody had any dealings with The Money Group?

    Yes, they called me just when I was feeling the pinch, and so I agreed to their terms and (foolishly) gave them my card number to pay an initial £10. When it came time to sign the official papers to start their debt managementicon plan (which would have meant paying £80+ a month), I got cold feet. Well, over the next few WEEKS| they phoned incessantly trying to persuade me - and this put me off even more. I finally blocked thier numbers and emailed them to return my £10, and that I was solving my debt problems through another route.
    Today I saw that they took £83 from my account without my authorization. As it is the weekend, I cannot get through to them to complain, so have to wait til Monday. They will say I agreed to it, somehow - I'm sure. But I will threaten them with Trading Standards, Watchdog, and whatever I can throw at them. Stay away! And by the way, upon calculating what I would end up paying them in total, it would have been £7000. My debts are only £4000.


  11. #11
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    Default Re: Has anybody had any dealings with The Money Group?

    Hi there , ive been on the phone to the money group for the past hour and a half and have offered me the help of a debt managment scheme which is only available in scotland , and as i am from scotland this is great it freezes my charges and etc guaranteed , they are sending out the paperwork and making me aware of there monthly charges , and a one off set up fee, i cant decide if this is a genuine help to me or making things worse?
    has anyone had a similar good experience where i can put faith in them if i proceed and sign everything ?
    or has anyone got a good success story which could be helpful ?
    any comments well appreciated ,
    Thanks !


  12. #12
    Basic Account Holder miss_s Novitiate

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    Default Re: Has anybody had any dealings with The Money Group?

    i may have got the debt managementicon scheme confused with debt advisory scheme , i think the debt advisory scheme is the one that u can only get in scotland .


  13. #13
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    Default Re: Has anybody had any dealings with The Money Group?

    Thanks for the advice shauni , ill do a bit more research , just out of curiosity what debt company is it you work for ? Thanks


  14. #14
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    Talking Re: Has anybody had any dealings with The Money Group?

    Hi everyone,

    Just to clarify, The Money Group is not run by volunteers. Ihave worked there for quite a while and we do get paid.

    We are very upfront about our fees. Itís just a smallpercentage of your Manageable monthly payment. The TSR that youoriginally answer the phone to physically cannot quote you any prices on plansor fees. The prices and fees vary with everyoneís individual circumstances. Weare legally not allowed to put you in a worse position, so if something wonít benefityou. . . . the TSR wonít pass you to your own Personal Finance Manager, theywill simply let you know. Even if you do get passed through, itís onlydownstairs of the same building . . . . (Nothing to fret about!!) . . . andthey look at your situation in a little more detail and will also tell youimmediately if a debt managementicon Plan or IVA isnít best suited for yourself.

    You will be asked if you would like to pay anything at thetime of the conversation as a token payment, however you are not obliged to paya token payment and there is no pressure at all if you donít want to or cannotafford to.

    As stated above, there are non-fee charging companies (nonames) but the majority (if not all) are actually being funded by the creditorsthat you owe money to. Google it! They need to be able to afford the help theyare giving and need money from somewhere . . . do they not? So, where as we,and other companies alike, are fee charging . . . we work on behalf of ourclients. We do specialise as a company at looking to freeze any interesticon orcharges being put on top of your accounts.

    We help, on average, around 150 people a day. I donít understandwhere the post above got the ďsingle mothersĒ from . . . I suppose itísdifferent for every different TSR as to who they notice the most. We get ourdata from Loan and Credit Card companies. They are mainly, loan declineís etcso there is quite the variety of recipients of our calls.

    Basically, if we didnít think we could help you, we wouldnítbe phoning you. We donít know until we have asked.

    Any questions, please feel free to ask.

    Lola-01


  15. #15
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    Default Re: Has anybody had any dealings with The Money Group?

    As stated above, there are non-fee charging companies (nonames) but the majority (if not all) are actually being funded by the creditorsthat you owe money to. Google it! They need to be able to afford the help theyare giving and need money from somewhere . . . do they not? So, where as we,and other companies alike, are fee charging . . . we work on behalf of ourclients. We do specialise as a company at looking to freeze any interesticon orcharges being put on top of your accounts.
    The free debt managementicon plan providers such as Payplan and CCCS do indeed recieve funding from the creditors to ensure that they can provide debt managementicon plans at no cost to the public, this does not mean that 'they work on behalf of the creditor'. It is imperative to seek impartial advice when deciding on the best option to approach a debt situation. Often the commercial sector do not provide the public with truly holistic advice.

    For Free, Confidential and Independent advice: 0808 808 4000
    Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. www.nationaldebtline.org // www.mymoneysteps.org
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    Default Re: Has anybody had any dealings with The Money Group?

    Hi Lola

    Even if you do get passed through, itís onlydownstairs of the same building . . . . (Nothing to fret about!!) . . . andthey look at your situation in a little more detail and will also tell youimmediately if a debt management Plan or IVA isnít best suited for yourself

    Can you clarify what you mean by "tell you immediately" and perhaps tell us what happens to those who are not suited to an IVA or Debt Management Plan?


  17. #17
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    Default Re: Has anybody had any dealings with The Money Group?

    Lola

    Quote -

    Any questions, please feel free to ask.


  18. #18
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    Default Re: Has anybody had any dealings with The Money Group?

    I would like to know who they got my mobile number from?

    I am being called constantly but they do not leave a message.


  19. #19
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    Default Re: Has anybody had any dealings with The Money Group?

    Hi,

    Sorry i've been so busy recently and havent had the chance to check this page.

    We get all of our data from loan and credit card companies, so when people apply for loans or credit cards . . . the often leave a box unticked that allows their details to be passed on. I will stress that there are NO financial details on the individuals, just their names and numbers.

    "Can you clarify what you mean by "tell you immediately" and perhaps tell us what happens to those who are not suited to an IVA or debt managementicon Plan?"

    - Basically, you speak to a TSR first, and they just take a brief summary of your situation (Who you owe, aprox how much, if you are making any payments and if you are how much, if you are working and if you an aprox monthly income). The Personal Financial Advisor that you will be passed through to is an expert in all areas and will do an income and expenditure etc. If the Advisor can see that neither of the plans would be realistically affordable for yourselves due to any priority expenditures (rent, mortgageicon, food, bills etc) that are taking up most of your income . . . they will tell you that it wont be suitable. Also, for example, with an IVA, if you are a homeowner and have a large quantity of Equity in your house . . . that wont be suitable either. Basically the Advisor will cover more ground with you than the TSR will and will be very honest. The advisors wouldnt be doing their jobs if they werent working to find what is best for your own individual circumstances.


    I understand the necesity for impartial advice within this situation, but i am merely just letting an insiders views and voice be heard along with those of clients of past, present and future.

    I do not claim that we are the best or the worst. Im not saying "Choose us!". I'm just answering questions that were asked.

    I really hope this all makes sense. Again, any questions, i'll try my best to answer.

    Lola-01 x


  20. #20
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    Default Re: Has anybody had any dealings with The Money Group?

    Hi Lola

    Thanks, a little jumbled up in my opinion mind, but I think I get the basic picture, sounds a little like processing to me (a sort of can we make any money out of this maybe, and if not....well)

    Just my opinions based on this thread and the contributers to it.

    Oh, and cannot really see where this part of the question has been answered -

    and perhaps tell us what happens to those who are not suited to an IVA or debt management Plan?






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