Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Been Paying Payplan since 2005 on 20k of debts

    Hi
    so back in 2005 my wife became ill and had to stop work for a while and we entered a debt management planicon, we still owe about 20 000 mostly credit cards but also studio cards etc

    over the years we have moved a few times but carried on paying payplan, the last few years we avoided our annual review but carried on paying.

    we have been at our present address for over 2 years with no contact from our creditors for years. payplan have emailed a couple of times say some of our creditors want our address but we havnt replied

    our credit reports are clear with scores of 536 with clearscore and 633 with noddle so we have good credit


    my question is what would happen if we just stopped paying, how long before we get found


    thanks all


  2. #2
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    Default Re: my story

    I think that it is likely to happen fairly soon. You will have left some trail or other.

    The best thing to do would be to start having a look at the debts to see whether or not they are all enforceable and also whether or not there have been any unfair charges applied for late payments et cetera and may be PPIicon premiums as well.

    Of course this will mean putting your head above the parapet, but it might be better to do that and take control rather than to stay in hiding.

    As far as the dmpicon that you are on, what are the terms of that dmpicon? What is the review intended to do?



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  3. #3
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    Default Re: my story

    if all the defaults have dropped off
    they cant comeback
    so id cancel the plan and await the deforestation through your door.

    it really is a bad idea to be in a dmpicon of any sort for more than 5 yrs and continue to blindly pay
    without doing as advised above
    check the enforceability of each debt.

    no dmpicon provider ever checks if a debt is legally enforceable
    they just blind recommend you pay it

    might be an idea to get a statement off them and lets see who you are presently paying
    bet they are all being blindly paid to no powers DCAicon's.

    as you are using credit ref providers your current address is known.
    but I wouldn't take that as stopping a CCJ to an old address
    so best write to each creditor when you know who's fleecing you.

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  4. #4
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    Default Re: Been Paying Payplan since 2005 on 20k of debts

    see if OP posts back, or another awol.

    IMO

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    Default Re: Been Paying Payplan since 2005 on 20k of debts

    ok thanks for the replys

    "I think that it is likely to happen fairly soon. You will have left some trail or other." but not in the last 6 yearsicon

    "id cancel the plan and await the deforestation through your door." I do like this idea

    "as you are using credit ref providers your current address is known." but then my address would be known whether I used them or not

    the thing is at the moment we are being left alone and I don't want to stir up trouble


  6. #6
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    Default Re: Been Paying Payplan since 2005 on 20k of debts

    but you could be being cash cowed on numerous debts..


    get a list up please

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