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Monument Payment Break Plan - **WON +£7K**


BabyClanger
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I have received a letter from monument about PBP.

 

It was totally unsolicited, and I have not applied for anything (PPI or the like)or contacted Monument in any way for years.

 

This letter came totally out of the blue and I dismissed it along with all the other letters I have received from them over the years. I ripped it up and put it in the bin.

 

The Short Story

My monument account was pulled many years ago

, I can't even remember the dates it was so long ago,

leaving an unpaid balance of around £3,600 which remained unpaid.

 

The Long Story

I have just fished this letter out of the bin as yesterday,

I received a cheque in the amount of just over £6,800.

 

The letter I received last week referred to PBP

- Payment Break Plan and looks to be a letter of 'without admission of liability'.

 

I have scanned part of this and attached it to this post.

It would appear than an adjustment of just over £10,000 has been credited to my account, and the cheque I have received looks to be the difference between the amount of the adjusted credit, and the outstanding balance as mentioned above.

 

I'm just wondering if this is legit or maybe a ruse on the part of Monument to track down their un-paying debtors.

 

I have seen other posts here mentioning refunded PBP - which I never knew I had, but these are dating back to 2014/2015.

 

Obviously we're now at the latter part of 2016, and they 'look' to be still paying out.

The letter states they will apply the adjustment values to any outstanding debt from the account, and should this result in your account going into credit, we will issue you a cheque within 28 days - which looks to be the same as others have posted here.

 

I'm not sure whether to put this cheque in the bank or leave it be as I really can't afford to be snared in this way.

Any input would be greatly appreciated.

 

Thanks.

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Its all legit

Nice Xmas pdesent

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

thread title updated.

dx

 

 

 

 

 

 

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Please help.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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