i started a DMP with Moorhead Savage in @ 2011 things where fine until 2016 when they stopped managing plans , took on running my plan myself .
In August last year i received a letter off Regal Credit ltd informing me they were ceasing trading and the debt was been returned back to BMI .
In November i received a letter to contact them ,
which i did offering to continoue with the same payments .
which they refused ,
i contacted them again saying i cant increase my offer as all my Creditors are paid Pro-Rata and it would be unfair .
i then got a statement a month later wanting double .
On the 30/12/16 letter from Style Credit dated 28/12/16 wanting contact immediately or legal action ,
i replied on the 03/01/17 which they received on the 05/01/17 ( recorded )
On the 20/01/17 i received a letter dated 16/01/17 which states since ive failed to contact them they will started legal action , i had till the 23/01/17 now the 21 / 22 was the weekend .
i replied the same day and wrote to the address on the top of the page and also the registered offic on the bottom of letter , they received both letters on the 23/01/17 signed for by the same person .
On the 26/01/17 i received a letter from HLW Keeble Hawson saying i failed to make a payment despite repeated requests and if they dont receive full payment within seven days they are starting a claim in the County Court ,
i have wrote to them too with a offer of payment and list of creditors .
im not sure if the account has been Defaulted or not as all paper work went to Moorhead Savage ,
on the staetments BMI added inetrest which had been stopped .
No payments have been missed to any Creditor , im dealing with 19 in total
this seams like a rail road job any comment or ideas !