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Hi there,

 

I wonder if any of you can help me. I have payday loans through uncle buck and moneyshop, both of which are secured by cheques.

 

I really need to stop these cheques from being presented and add them to my cccs dmp. I haven't done this until now because i didn't think it was possible to stop them presenting the cheques, does anyone have any experience of this or any advice?

 

I am under the impression that you cannot stop a guaranteed cheque, is this correct?

 

Many thanks

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You can't stop a guaranteed cheque- that's why shops will accept cheques only with guarantee card. There is a lot to be said for opening up a new account elsewhere. At least then they can't get at your money and you only have potential charges to worry about.

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Hiya - the only way you will be able to stop the cheques is if you have a record of the cheque number - you can tell the bank to stop all of them but that will likely incur a charge. You can advise the companies that you need to come to an alternate payment arrangement and tell them the cheques are no longer valid, but personal experience with both of the above says they will proceed regardless and present the cheques. If you have told the companies you can report to the bank and ask them to "stop" the cheque book with the offending numbers in it but this seems to have limited success. The only 100% safe way I know of is to cancel the individual cheques at a charge from the bank. In the meantime you are likely to incur a further debt with the bank but you might be able to add this to your DMP.

 

All of the above means that sadly another account is almost a must - the bank will "offset" and do all it can to take monies from you in the meantime if you do not. This is also often a pre-requisite for a successful DMP as you start clean with a bank that you do not owe money to.

 

Very best of luck :)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Sound advice from Mjc! have you written to the companies or had any responce from them regarding you going onto DMP? what has your DMP company suggested?


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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I need to cancel a check that the money shop is due to present tomorrow, what i need to know is who the check was made payable to initially - when i signed the check etc @ money shop i had to make it payable to 'CPT ltd' or 'CTP ltd' it wasnt payable to the 'money shop ltd' has anyone any idea who the checks are ment to be payable to? i need to tell the bank who the check was made payable to otherwise they cant stop it. thanks in advance

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Hiya 7anked and welcome,

 

It will be (I am fairly sure) CTP. If you have the cheque numbers the bank would be able to cancel them that way as well! Do bear in mind if you guaranteed the cheque it is likely the bank may argue they have to be honoured (I had this but eventually they saw the light!).

 

Once you have done that best hit them with an affordable repayment proposal in writing (the phone will almost always be pointless!).

 

Best of luck :)


MJC 007.5 :cool:

 

Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional

 

:) If you think I have helped you please feel free to click on my scales :)

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Thanks for you speedy reply, i was hoping there was a way around 'the cheque gaurentee problem' oh well,looks like i will have to sort it with the bank in a day or so.

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