Hi firstly I'm new here so I hope I'm in the right place. Where do I start, over the last year I have got into a complete mess with payday loans. 4 months ago I started a dmp. Which is a great help however, I didn't add all my debts to it. Because of this I now have more and more debts aswell as paying my dmp. Can anyone help and suggest the best way to go? Is it possible to add my other debts to the ongoing dmp?

Good Morning, I am attempting to offer the DWP a Payment Plan for some money I owe them. Last time I called I was charged in excess of 20 quid while I waited - at that point they agreed to wait 28 days while I took budgeting advice. I don't want to incur those costs again and think its better to sort these things out by letter anyway so I can detail my income - outgoings. I cannot find a postal address anywhere and was wondering if anyone could help. If anyone has any experience of this kind of thing, would also be helpful to know how you got on/how understanding the DWP are to payment plans, etc. Thanks in advance

for info, the BIS DMP protocol; http://www.insolvencydirect.bis.gov.uk/insolvencyprofessionandlegislation/policychange/Debt%20Management%20Plan%20Protocol%20Final%20Version.doc 'This Protocol aims to protect and promote the needs and best interests of consumers who take out debt management plans (DMPs). In particular, it aims to ensure that consumers who choose a DMP subject to this Protocol are assured of a high standard of service that is demonstrably in their best interest and is fully compliant with statutory requirements and best practice All providers who offer protocol DMPs must ensure that they comply with the terms of this protocol and with relevant OFT consumer credit guidance. A provider cannot claim to comply until they have been through the monitoring process and have been cleared by the Standing Committee (see paragraph 14) as up to the standard required by this Protocol......' 'Compliance with the terms of this protocol should be incorporated within the appropriate best practice lending code to which the creditor subscribes. Compliance with the terms of this protocol, including acceptance of pro rata payments, should be regarded as an appropriate business practice towards compliance with relevant OFT consumer credit guidance' etc

wrong topic maybe someone could advise where best to put this topic or move it for me?? thanks Ill start from the beginging. I Purchased a car(carcraft) oround late march 2005 through black horse finance. Car was 6k turned out i was paying around 18k back. Bought the car and it was the worst thing i ever did. Fault upon fault up on fault. Took it back numerous times just to be fobbed off. In the end after paying £304pcm for around a year i took the car back to carcraft left it with them wioth logbook keys everything and canceled my standing order. Time went on which at the time i was 18 so decided to ignore. (stupidly as im paying for it now im wanting a mortgage) Got a letter saying thanks for your payment was around the £1000 mark 100%wasnt me or anyone else who paid. So a fake entry. Blackhorse sold the debt of around £18500 to apex who found my ny address demanding money ect. Ive not had any sort of contact with apex in over 5years! Went to the citizens advice about my situation wanting to get my experian credit report cleared so i could move on but it seems that apex have been putting fake payments to themselfs from me in order to keep my account alive and not go over the 5years before my debt clears?? citizens advice told me to hold on as they thought it would be wiped but apears not as i had experian chase it for me. Has anyone any ideas of what i can do? Ive not guot much paperwork to go by as ive moved twice since and over 5 years have passed. I dont want to get intouch wqith apex as then i would have started comunication with them and be back to square one. I would have had no broblem paying for it if the car was in good working order but it wasnt. I think i also paid for ppi with the origional finance but as i were self employed it was pointless. (thats another thread proberly) haha Any info and advice would be hugely appreciated. thanks

Hi All, Hoping someone can help me. I am in the process of doing a DMP/IVA or a DRO and was wondering if I can get help on a few issues. I am only being badgered by a couple of my creditors but understandbly want to clear everything so effectively I can start again. I am in the process of contacting all my creditors for balances etc a nd was wondering if anyone had a draft letter to help me (maybe requesting I&C are frozen request) and what info I would need to ensure I get recent balances and not duplicate creditors. I have checked my credit report with Noddle and there are some of my creditors on there but not all, so is it worth emailing every creditor to get a balance/account number or just to deal with whats on that report as I know I have more. Also, some of my creditors are payday loans from several years ago and have mounted in interest, do I now have to pay the full balance etc? Any advice would be greatly appreciated as the sooner this is sorted the better. Thanks All.

My son lent his car to a friend and he received a notification from Northamptonshire Parking Management. My son spoke to his friend and said that he was driving at the time and agreed for his details to be sent to NPM, he completed the Form and sent it off. My son has today received a letter from Debt Recovery Plus Ltd with a demand for payment of £ 149. It states that he needs to pay this before 31/01/2014 and that failure to do so will mean that they will recommend to the creditors solicitor that court action should be taken. Clearly they have lost/ignored the details sent to them. The alleged contravention is: No Permit - location Whitbread, College Street - The Drapery, Northampton, NN1 2ET. Does he simply write back stating that he was not driving at the time and that their Form was completed - giving details of the driver at the time or? Any help much appreciated.

HNY all. I'm renting out a flat that I own with with my wife, and due to being abroad at the time, we went for the managed service with Halifax. The first tenants were in, then Halifax were bought out by Reeds Rains. The first tenants left, and RR found replacements and we signed an updated agreement with RR. That was in 2010, and now we are back in the UK and because RR do not offer good value for their commission we want to cancel. However the agreement says that if we cancel (giving 3 months notice) but the tenant remains (which we want) they will continue to collect until that tenant moves out. This seems a little restrictive - do we have any options? They've been getting paid for the last 3 years, so have made their money. I would understand if the agreement was limited for the first 12 months, but it seems to be infinite. Essentially, they'll get paid forever until our tenant moves out. Serving notice on the tenant at the same time as RR is absolutely NOT an option. Thanks!

Hi, Really concerned. I wont say who I have the DMP with but they are one of the most popular and talked about DMP's that carry a small charge. Anyway. Some stupid advisor or whoever was on their email system, decided to send a group email. the DMP sent the group email saying thank you for being customers etc etc. the stupid thing is, they copied in the entire contact list. So the DMP, sent an email to all their customers but did not blind copy, they have openly shared all of our email addresses with one another. I have since received emails from countless people on DMP's with this same company, from their personal email address as they have seen my email address from the DMP company. They all now know I am on a debt management plan, we normally all use first and last names on emails so it says my full name, address and states that I am on a DMP. What can be done here? what should be done here? This is obviously a breach of the data protection act but who is to blame? who should people complain to? Thanks.

Hi I cancelled.my direct debit with ashbourne management as I couldn't afford to go to the gym anymore, I cancelled this on the 4th December 2013, and got a letter from them a few days after, as I am debited from my account on the 1st of every month, what I noticed was that even though I I was debited.for December, the letter.stated that I owed an outstanding payment of £20.99, I'm sure as I have been reading alot about.this on the web and people having simular problems in the past I found this on the 'Office of Fair trading' website 'The judge also ruled that none of Ashbourne's contracts entitle the gym (or Ashbourne) to demand payment of sums which have not already fallen due where the consumer is less than 3 months behind with payment (and then only when the consumer is given a month to pay). He also ruled that the consumer cannot be required to pay where it is the gym that has seriously breached the contract.' is this the issue I'm having? Thanks

Hi I have just joined the forum and I am hoping to get a bit of advice. I did a VT on my car 04 April, all my payments were up to date with no missed payments. The car was inspected and was found to have £40 of paint damage which I accepted. However they are trying to charge me £1664 for excess milage. I have so refused to pay this amount, but as a gesture of goodwill I offered then 1/3 of this which was £550 but they refused. However they have now passed this on to Bluestone who said they will accept £832 to settle the amount. Have Bluestone any legal course to recover the money from me, despite me not agreeing to the excess milage? Had a lady call me this morning, I must admit she was very charming & nice but I guess that is there job to get you to pay. Not sure what course of action to take! I said that I will go to court and dispute this, then she said if I don't pay then Bluestone will take me to court blah, blah, blah. I have been strong up to now, but can feel myself starting to buckle! Shall I hang in there? Thanks for your help

Hiya just after advice really I went on dmp with dfh after one year my debts doubled n got some charges from one of credit cards company sayjng they havent been paid I wrote n spoke to dfh and complained in response they closed my dmp plan and havent been back in touch what can I do now to complain more ? And to my surprise they said I have 2 years left I sat down n worjed out n will have all my debts clear by 1st october 2014 which is a relief all creditots have been good with payment plans but still confused with dfh of how they couldnt explain and gave me a plan for 3 years of when I can have them cleared in just a year? By the way from the start to end my money with creditors didn't go down it actually went up so please anyone do not go with dfh as they are not responding to phone calla or lettersany help is much appreciated Thankyou

Hi I live in a block of flats which is currently under the management of a Property company, they are not landlords as ALL flats are privately owned by the tenants. The reason we got them in is because one of the flats was sold and the person who sold her flat used to look after the running of the property, i.e. arranging a gardener to do the lawn, window cleaners to do windows etc. after she left we all decided that due to work commitments it would be best to hire a property company to manage our block, We are all Directors as we have a residents association for the block and pay a monthly service charges into our residents bank account, which is also used for repairs etc The problems started when we started receiving letters from the management company informing us that all items in the hallway need to be removed, potted plants for instance. We were told that due to H&S fire rules etc that they need to be removed as it invalidates our insurance, bearing in mind that most of us within the block have been her over 15 years and never had a problem in the past with getting public liability insurance. Just recently a contractor came into the block at the behest of the management company and removed a couple of items under the stairs, stating that its an obstruction in the event of a fire!.. which is fair enough, except that said items were completely not in the way of the exit as they were literally un-seeable and the flat owner who lives at the bottom of the stairs said that they are not in the way at all. Apparently, they wrote to all tenants informing everyone that items would be removed if we did not move them. All I want to know is can they do this? no date was given on the letter as to when we should move the item and can we get them back. We have had nothing but problems since they took over, emails have been sent to them to repair a light bulb, which took 3 weeks!! We have have structural work done on the block and they were reluctant to use the building company we as tenants wanted, because their quote from their building contractors were astronomical, We are having a meeting this week without the management company present to vote on if we should dispose of their services, which judging by all the feed back, we will not use them any longer. any help would be appreciated regards Nik

Hello all, I have another DCA on my back now, this time with an existing Natwest account. This is my existing student bank account and I already have an arrangement with Natwest to pay token payments of £1 pcm until my circumstances improve. Unfortunately this has been going on for a number of years due to never having enough cash to settle the debt quicker. I've received from Apex. They wrote to me advising that Natwest had instructed them to "manage my account", I sent them a "prove it" letter as I was still paying Natwest. They replied with some flimflam about being disapointed with me ignoring their attempts at contact and they have "external sources" that prove I can pay the debt. So I CCA'd them, they replied with this: "I can confirm that this request needs to be made directly to the Royal Bank of Scotland as they are the principle company with whom the agreement was reached. Your request will need to made in writing to the address below (RBS address) along with the enclosed applicable fee of £1.00 made payable to the "Royal Bank of Scotland"" I replied with this, coupled with the original CCA request "I recently requested that you supply me a copy of the alleged Consumer Credit Agreement, pursuant to Section 77-79 of the Consumer Credit Act 1974 (CCA 1974). If it is your view that you are not the creditor, Section 175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by Section 189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that Section 189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to Sections 5(2), 3(b), 6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). Attached is a copy of my original request and the original payment in the sum of £1.00, which is the statutory fee - remember these funds are not to be used for any other purpose." I waited a few days, got a reply and it was the same as their initial reply stating I have to CCA RBS myself. Can anyone shine any light on this? I have been following advice given on this site and it's been great so far. I am happily paying Natwest. I wish I could legitimately send Apex a letter telling them where to go... Thanks in advance for any advice given Tom

http://uk.news.yahoo.com/call-ban-claims-management-calls-002757648.html#CSN8cqQ

A friend just sent me this. Very interesting !!

I have just recieved this e-mail from Secure Credit Management, and I'd like anyone's opion on this chapter; I have provided the information below which provides the specifics of where your information came from and how we have confirmed we are speaking to a genuine customer. London Police Financial Crime Unit - have already reviewed and investigated your case and deemed it is not fraud, they were subject to a protection order through the court to confirm these details. UK Banks — Were subject to a court order to provide details of matches where they have confirmed the following Name D.O.B match Address match If and when funds entered an account from an MCO Capital product, in your case Balance loan. Credit Reference Agency — reconfirmed the identity of customer to complete a third and rigorous check to make sure the details confirmed through the other sources were correct in reference to name, address, dob and voters roll information. In conclusion, we have confirmed from three separate sources, 2 through court order to provide and confirm details of genuine cases where the funds have been confirmed entering the bank account. In this case Secure Credit Management would request that you contact the office further, either via telephone or letter to arrange repayment of the outstanding balance. If you have any further queries please do not hesitate to contact us. I have not disputed the debt, I just wanted to know what company they were representing! However, i think they are not telling the truth!!!

Hi.. So I have a few payday loan debts totaling more than what I can pay back. I foolishly, so to speak, have been robbing peter to pay paul... Peter being a lender and paul being another lender... I want to set up a DMP but one of the loans I have taken out I have not yet made any payments towards. Is it possible that this will be declined or not accepted due to this reason? would the creditor have reason to not enter into a payment plan? would the DMP company not try if I havent made a payment? Thanks for any help + advice.

there are free ones such as : StepChange - NOTE : - We understand that StepChange is supported by the Financial Industry. Payplan National Debt Line. dx

Hi, In 2006 I ended up in a lot of debt that I could not afford to pay. I ended up entering a financial management programme with Daniel Chandler Ltd. After 6 and a bit years I still owe my creditors money and still keep getting late payment letters even though I have never missed a payment to Chandlers. The debts started off as Capital One credit card, Lloyds TSB Loan and Lloyds TSB credit card. It seems however that these debts keep changing hands and I have no idea now of which debt is with which company. I have had letters from AIC, APEX, BLS collections and SCM solicitors. It seems like Chandlers have made payments to all of these at one time or another. Can anyone offer any advice as to what I should do. Thanks

Hey guys I am 21 year old male. I am a good guy. I help grannies cross the street. I step in if someone is doing something wrong. I do the right thing. But I am a gambling addict. My father before me was a gambling addict and he got me down the same path. It has been a long and painful path. I cant think of a day of my life i have enjoyed the past 2 years. This is where I stand currently: I have £50 to survive to the end of next month ( live with parents ) I have about 6 payday loan companies expecting to take about £300 from my account in a few days. Nothing will be in there. I also have 2 loans of £5000 with santander & nationwide. I feel that both the above companies destroyed their duty of care when they gave me a loan, when I applied I didnt think I had a cat in hell's chance... I already had at least 4 outstanding payday loans, I barely ever paid my phone bill on time, I was on gamblers anonymous forums, I was in contact with gambling charities... if these companies spent 30 seconds looking into me I am certain they would not have given this loan. I also have my car insurance due to come out - I can find a way to pay this - But i may have to pay someone else and get them to pay the car insurance for me - as if i put the money in my bank one of these companies is sure to take it back out? I am seeking help for my gambling, I have quit cannabis but I can never quit gambling... I wanted to go to a rehab, but can only go if i have £10k to spare. LOL! I am so depressed. I am making plans for when I become homeless. I have a car and a job, but nothing else. What should i do? God bless you for reading this

fancy word for being legally responsible for something, in this case whether PPC's have any rights or responsibilites in law for the car parks they manage. I have been having long discussions with the Valuations Agency about whether the car parks "managed" by private parking companies should be treated separately from the stores they serve as at least one of them is claiming commercial justification for their made up charges. I short, the answer os "no" as the land is said to be contiguous to the stores and thus treated as one and the same for rating assessments (case law from 1955). This means that the parking co's dont HAVE to pay separate rates and the stores can be responsible for all of the woes caused by these companies and they can ride off into the sunset scot free with bundles of cash. Now, I have found 1 place where there is an exception to this rule and the VoA is going to make another visit to the site as the plans they have are 8 years out of date and there is a dispute over the rateable value anyway. I will keep you posted on any developments but if you know of any big shop that uses a PPC and has recently (last 5 years) built or extended their car park please post on here the location as I bet that some of these new developments will fall into the VoA gap and we can ask the relevant questions of them and moan at the stores as well (but after they have been hit with a big bill)

How annoying are these people? I have a loan of £1,600 which was originally with Mint. Ive paid £10PCM for a while as its all I can afford. During that time ive not had any bother from Arden .Ive had no phone calls or texts or any other communication.. ... until.... . I contacted them to see if they would accept £400 as a final settlement courtesy of my parents. Now all I get is constant calls and text. When I answer they never seem to have any details of mine to hand. Twice they said they would send me a Income/Expenditure form and it never turned up. Eventually I downloaded one from the net and sent it. I answered a call this morning assuming it was about the form which they should have received by now only for the ................. (Sorry, struggling to know what to call these people) on the other end ask me if I can pay the £1,600 in full this week. He then asked me to make a payment whilst they find the Income/Expenditure form! Ive still got my Standing order set up so I will continue to pay that. I called them to try and end the loan and now I feel like they are harassing me with their text messages and calls.... If they call tomorrow im just going to say I only want contacting again when they have reached a decision on my offer of £400... Is it really so difficult? I only want a yes or no....

Hi there, I wonder if anyone can help? I own a house on a new development, with the whole estate paying an estate management company for service fees. They have now stated that we are in arrears of £303 and that they've instructed a solicitor to collect the monies from us- they've added on £198 and £120 in 'admin fees' and then fees for contacting the solicitors, taking the total we have to pay in 14 days up to £888!! The fees are for financial year 01/07/2013-30/06/2014. They don't seem to actually 'maintain' anything, even the landscaping is done by the developers still. Are they allowed to whack on such huge fees, and is there anything we can do to reduce them? Any help would be appreciated.

Hi is this company good

Had a bump in 2011 and as a last resort had to go through an accident management company. My car was taken away and I was given a hire car for 2 weeks. The management company called around 6 months ago and advised that the third pary insurer had admitted responsibility so I thought it was all sorted although I now have received a letter advising that their car hire bill has not been paid. They also state that "Our panel of solicitors or our company will not request payment of any legal costs from you, as long as you do not fail to co-operate" I have to fill a Form of authority and also include my Solicitors contact details. Should I be worried or cautious ? Thanks