Hi, my husband had 2 cards with Egg and unfortunately they issued default notices even though we had set up a DMP through CCCS.

Hi Ida Thanks very much I'll definitely get those sorted over the weekend. I have some credit card debts too but they have been understanding and not really hassled me at all. Should I look into the CCA requests with them too or would that be detrimental to the DMP? Also what should I be looking for in the CCA's? Thanks for your time x

No yet but have been told by Natwest customer services that their solicitors Shakespeare Putsman are pursuing court proceedings

If I attended court, would that maybe help not to go to a judgement?

Hi Ida, £11000 ish for unsecured loan and £3800 ish for joint account overdraft. Been paying so far £185 towards £11000 debt and £85 towards joint account through DMP. Figures above are CCCS's re total outstanding but Natwest have higher ones as they have never stopped piling on the interest. Thanks for replying x

Hi, I'm a bit naive when it comes to CCJ's but read various things on here and the net. After complaining to Natwest several times that they never acknowledged that they weren't happy with our DMP to us we left the CCCS to it and they passed it to Shakespeare Putsman who have declined the offer of £192 that has been paid to the Natwest for the last 8 months with no missed payment and are going to pursue a CCJ. Apparently after I spoke to the CCCS Natwest wrote back to them in October last year saying they didn't accept the offer of payment and so although when I started receving calls and letters from Triton in May I just kept referring to my CCCS ref number (which they denied having) and didn't know that the payment had originally been declined. Could/should I have done anything differently and is there anything I should do about that now? Now if the court looks at the income/exp and says the payment is satisfactory then does it automatically mean a CCJ and are the court fees and interest added to the debt as well? I've just posted a Subject Access letter off to the Natwest to see if I can get back any charges from over the last 15 years! Can anyone help? Thanks

I rang the customer care people at Natwest today to see what the situation was and they denied ever having a payment plan offered although this was the collections dept and Triton. I told them I'd been sending stuff since last September but they have no details! I rang the CCCS who told me that Natwest had replied to the original DMP but rejected it. So I'm really cross. I've never had anything from them to say that they weren't happy with the proposal or even a proposal form. Now I'm waiting for the solicitors to reply (the customer care woman said that she's had confirmation from them that they have received our DMP from the CCCS) and it's up to them whether our repayments are satisfactory and not up to Natwest...yeah right I said! I've told them my complaint still stands and will now use the info from the CCCS about October. The CCCS said they still may go to CCJ or even charge on the property. I'm going to send the Subject access letter tomorrow but I really want to escalate my complaint - I can't get over the irony that I've paid something towards bailing them out because of the credit crunch!

Hi. Thanks for the replies. The solicitor that wrote me the letter was Shakespeare Putsman and I've googled it and found threads on here where people have had a charging order on their property even though they had DMPs and had been repaying consistently! I must admit after reading some of the experiences it's scared the life out of me, there's no way that I could understand and compete with a barrister on all the technical details if I was faced with it in court. The CCCS sent a copy of the DMP to Shakespeare Putsman and I've written a letter of complaint to the NAtwest as they haven't acknowledged the DMP but took the payments. Any help from others who've had experience of them of what I'm likely to face? Thanks

Thanks that's great, link worked. Thanks again

Sorry is the link to a letter? I just get the main site, thanks

Thanks Scott. How will this affect my DMP with them?

Thanks Wheelergeezer. I've got a copy of all the letters but should have sent them recorded and will do from now on. It'll be interesting to see what the customer services reply with this time! What do you think about the bank charges and how would that affect everything? Thanks

Hi. Unfortunately we found ourselves unable to cope with our debt last year and contacted the CCCS who we set up a debt managment plan. All of our creditors acknowledged accept Natwest however they have received regular payments since Novmeber 2008. As they didn't contact us I presumed everything was OK. A couple of months ago we received letters threatning court action but no acknowledgment of the debt management plan and so I wrote to them with all the details again but had nothing back. Things escalated when Triton got involved but they refused to admit they'd had any letters or payments! We spoke and wrote to customer services who admitted that this was wrong but then a few days later got a letter from a solicitor threatening legal action unless a payment plan was set up. I spoke to them and the CCCS who have sent them a copy of our plan. I also wrote once again to customer services complaining that we'd already set up a plan but because nobody has ever acknowledged it how can we stop legal action when we hit a silence each time? I got a letter back from them this morning saying they'll look into it but I'm getting really frustrated and if nothing is agreed by 10am on the 14th then the solicitor will progress with court action. I really don't know what to do next and don't want to have to go to court as I don't feel it's warranted. We fully accept we owe the money which is why we approacched the CCCS at the earliest opprotunity before we fell behind with regular payments and as soon as we are able we want to make higher payments but we don't seem to be getting anywhere with them. Any advice? Also I haven't looked into reclaiming bank charges but should I? We banked with them for over 15 years and I know we've had them but I wouldn't have all the statements now.