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Tingy last won the day on May 6 2011

Tingy had the most liked content!


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  1. Gabi, Can you afford to pay them for one month or not (alongside your current DMP payments)? You need to get that IE sheet filled in so you know your disposable income. Once you've done that we'll know the pro rata payments to offer your creditors. Obviously this will include your new accounts, so if you can't afford them, try to make a token payment and send a letter saying you've had a change of circumstances. Unfortunately the site has disabled my message facility, I think because I helped someone who was banned for one week pass an e-mail to people they were helping so they didn't feel abandoned, I'm not sure whether I'm heading in the same direction, so if I vanish search for Caspar on conumer forums and you'll find me again.
  2. Ah the sweet sound of the EU Consumer Directive! Why oh why don't more use it? Vic - having to edit your grammar, I'm shocked! lol
  3. I'd try first asking DMC for them (they'd have to supply them if you sent an SAR to them), otherwise you'll have to contact your creditors now I guess. If you do, keep it simple so they have no reason to doubt you're going to continue paying.
  4. Baz, Would you have a look at this please. Think my message account has been disabled! http://www.consumeractiongroup.co.uk/forum/showthread.php?300204-Want-to-set-up-my-own-DMP...-please-help./page2
  5. Kitten make sure you've done your reading on the F&F's. I know you say you have, but they are notoriously difficult to get watertight and I'd hate to see you pay what you thought was an F&F only for them to cash it and continue collecting. Plenty of advice here if you want it!
  6. What is the issue with the Halifax? As regards ignoring them, only you can make that decision, but consider in your first post you said Vanquis were 2 days away from going for a CCJ or bankruptcy if you didn't respond and now look what they've done. They lie to scare you into paying, simple as that.
  7. I would seriously encourage you to use the knowledge and expertise on this site, and start making some repayments through your own DMP. Burying your head in the sand works for a little while, but the debts will come back and haunt you.
  8. Hey, slow down! So many questions. Initially just continue exactly as you have been for a while. DMC told you that so you would stay with them and they'd get your money - honestly! You just keep paying for the next month or two then we'll put in the change of circumstances, freeze interest etc.... Don't say anything to them about you taking things over yourself just yet, prove to them things are going to still be repaid then they'll be more sympathetic. Work on your IE sheet over the coming days - no mad rush - and make sure it's right. You need to be able to live your lifestyle on what you have left, so be realistic. As for letters, those are a little bit in the future, so don't worry about them now. One step at a time hey! For now carry on paying to establish your credibility with your creditors and work on an accurate IE sheet. Those would be my two priorities. I've helped someone who's been through exactly this situation, so I'll ask him tomorrow to take a look and help as well. As I said before, any questions, just ask. Nothing is stupid or too small or too big on here. Just ask, that's what we're here for!
  9. Hi Gabi, I think I responded to your post on another thread last night - great to see you've now got your own thread and it's good to see you know what you're currently paying. As I said yesterday, the Income and Expenditure form is critical. The one you completed previously was obviously not accurate enough or you wouldn't have needed another pay day loan. Think hard as you fill in this one, and try to think what it was that made you need that last loan, then ensure you compensate for this in your new one. I'm not sure if this is what sequenci advises - he is an expert so if there's a conflict, go with his advice! I'd work out your pro rata payments ensuring that you have enough to live on and that you will be able to sustain these payments AND your lifestyle without needing to take out any more loans. Then write to the creditors explaining there has been a change of circumstances and now you can offer £xxxxxx per month. If, once you've done you're IE sheet you need help wording the letter to incorporate freezing of interest and charges, let me know and I'd be more than happy to write one for you. It's a case of combining several of the template letters in the library. After that you wait for them to respond and take it from there, depending what they say. Any questions at all just ask away - we're always around to help, so you should never have to wait long for an answer. Good luck! Tingy
  10. Dear Sir/Madam Acc/Ref No 4563210025897412 Thank you for your letter dated dd/mm/yyyy concerning the above account. We are are sorry that you feel unable to accept the offer which we have made. The majority of our other creditors have accepted the offers made to them and we have commenced payments. We cannot offer you more because we can only afford £775 per month between all our other creditors, and it would be wrong to cease or reduce payments to our other creditors in favour of your company. The offer made to you is on a pro rata basis, as used by the county court. In the light of the other creditors agreeing to our repayment plan, please would you reconsider our offer. We will be making the payments in line with the offer to your company, on a weekly/monthly basis, as a gesture of goodwill. We look forward to hearing from you as soon as possible. Yours faithfully Mr A N Other
  11. Hi, I'd be inclined to do one of two things: 1. Send off a CCA request as you've already mentioned. 2. Send them a letter to say that most of your other creditors have agreed to your pro rata payments and that you would like them to reconsider your offer. In the meantime you'll continue to make the offered payment. Say the payments have been worked out pro rata from your disposable income and mention that by pressurising you into paying more than you can afford they are in breach of the OFT Debt Collection Guidelines and CPUTR 2008, along with several other significant pieces of legislation you could mention. Ask them to reconsider and see what they say. (Think there's a template in the library - I can supply one otherwise). If you choose to take my second course (which I would as it keeps your DMP on track), then if they fail to provide a satisfactory response to this letter, pm me with a link to the thread and we'll get a little "heavier" with them.
  12. N C O (Europe) Ltd Tel. 0870-152 5670 3 Stratford Rd, Shirley, Solihull, B90 4LA Dear Sir, Your Ref: Account Number xxxxxxxxxx I am writing with regard to the above account. In April 2011 I entered into a repayment plan with you and paid £50.00 using my debit card. This was to be followed by a further four monthly payments of £40.00 each via Direct Debit. I am concerned that no further monies have been taken from my account and that this may have a negative effect on my credit rating. I would be grateful if you could please supply me with a statement of account, and advise me on what date the agreed monthly repayments will commence. Yours faithfully,
  13. Hi BD, Have to say I only skimmed the last few posts as it's a long thread, so apologies if I repeated what had already been said. I agree that nobody is going to accept a £5 F&F in writing, so the only way is to try and dupe them as you say. You're absolutely right, the time limit is critical as well. As I said there was a case (can look it up if you want) where the letters were routinely separated from the cheques and they wormed out of it as they were able to say the cheque had details so they paid it in, and the letter surfaced weeks later. Hence para 4 being so important.
  14. Good thinking that woman! Great to see you thinking about how you're going to sort out what. Remember the defaults are there for 6 years no matter what, so if there's anything else you've not mentioned, try very hard to maintain payments on those as you don't want any more defaults wrecking your credit history.
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