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wvm

Chase Saunders dmp ?

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Hi all , i'm new here so looking for as much advice as possible. Due to my business suffering in the recession i have fallen behind with paying my credit cards and rent. I have talked to my landlord and i will try and pay him as much as i can each month towards the arrears.

 

I'm now really struggling to pay my monthly bills especially my credit cards. I owe £6,300 to Mint and £4,600 to MBNA. I'm losing sleep now and very worried about how i manage each month and starting to feel ill with worry.

 

I spoke to someone today at Chase Saunders who are sending me info on a dmp to get my debts under control. Are they any good ? Is this company a good one ? I have no idea what i'm doing at the moment and i cried after talking to them as i realised i needed help but didn't want to admit it , always thinking i could cope.

 

Feel a bit of a failure to be honest.

 

Any advice will be much appreciated, thanks for reading my first post.

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Hello wvm

 

You will find the people and guidance on here to be fabulous so don't worry. You are not alone, loads of poeple are in your position.

 

I have no idea about Chase Saunders but if you feel you can't do it yourself there are firms like Payplan who will do debt management plans for free so there is no need to pay for it.

 

However, it may be prudent to also check that the agreements are in fact enforcable. There are template letters on the site you can use to request the documentation to check this. I would consider the roof over my head to be more important than my credit card payments.

 

I was with CCCS and in a right mess until I found CAG, if I had known then what I know now from this invaluable site I could have stopped the harassment from hell and 3 CCJ's!

 

I am sure someone much more experienced will pop along soon with some excellent advice for you.

 

T :)

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Hi WVM and welcome to CAG,

 

Only been here a short time myself but you will find this place invaluable - there are many, many folk who either are or have been where you are (or worse) and you will get all the help you need here. Also remember that one of the tactics employed by these firms is to keep you thinking in terms of failure, endlessly playing over why you got into difficulties and sometimes even focusing on telling you how foolish you are! (I have one of these conversations recorded!). Do not let them win with this - you are not a failure, how you got to the point of difficulty and arrived here is history! You have decided to sort things out and keep telling them (and yourself) that this is the only thing that matters - it is quite empowering when the first DCA backs off even a little because you won't be bullied of let them play their mind games!

 

General principle (I think) if you are minded to go the DMP route is to look to the companies that will do this for you without charging a fee first if at possible. This means starting with payplan or CCCS. I am sure there are some good fee charging firms out there but if you can get the same for free why would you pay? I am about to embark on this with CCCS and I have to agree both payplan and CCCS are a little retiscent about you challenging your debts whilst in a DMP but I have not been discouraged from doing it and they simply wish to be kept informed (so far at least!:))

 

I guess it will also depend on the amount of time you have (and "surplus income") after priority expenses. Payplan and CCCS will generally expect a minimum level (at least £100) and I know that is not the case with a lot of the fee charging firms. If your creditor list is fairly small and/or you have the time, you will find the resources on here to sort it out without reference to anyone else and will maintain complete control. If you have a very large creditor list (as do I! :eek:) and/or do not have the time I think DMP is the way to go BUT also challenging those that are clearly illegal or at least not operating within the rules (I have rather to much exposure to payday loan type lending so know about the extremes!).

 

Main rule is keep it all in writing (email is okay) because they will lie and deny every agreeing anything with you, stick to realistic offers of what you can afford after priority debts (the roof over your head does indeed come first) and keep posting back here for help and support :p

 

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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great advice you two.

 

WVM - start sleeping again and forget these trivial problems.

 

there is nothing to stop you from TELLING them they will only get £XX for XX mts. but do it all in writing.

 

it might be an idea to give us a better outline of your debts, how old they are, who is chasing? etc etc, there maybe other way to get the pressure off.

 

reclaiming CC charges & reclaiming mis-sold PPI springs to mind.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for all your replies its good to be able to talk and admit the need for help.The debts are approx 2 years old. I have had a look at Payplan and given them my info in an email so will wait to see what they say. I am thinking of trying to claim charges back so will look into that too.

 

With regard to seeing if the agreements are enforceable , what makes them non enforceable and what are the sucess rates ?

 

Thanks again.

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you are saying all the debts are less than 2yrs? do you mean they have been outstanding for 2yrs or you only took the cards out in the last 2yrs?

 

anyhow. the only REAL benefit of firing off a CCA request is that if it does turn out to be unenforcable, then very low closing figures could be offered.

 

don't fall into the trap proported by these debt wipeout companies that an unenforcable CCA means the debt just disappears it DOESN'T!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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The debts have been building up for 2 years and i have been keeping up with payments until recently. At moment im finding it hard to pay so i thought a dmp would be a good idea.

I have had the cards for a number of years and have paid my balances off in the past and i now want to do the same rather than looking at iva or going bankrupt .

 

What would make them unenforceable ?

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there are a number of reasons that could render the CCA unenforcable, but i would not rely on that happening.

i think its not worth firing off the cca requests, but going with CCCS or payplan for the minute is the correct move.

 

you also need to p'haps focus on getting the charges & ppi back.

 

pers, i'd send SAR requests to them [the original creditors - you have not indicated if these are with DCA's?], including the line of requiring copies of your CAA too.

 

that way you kill two birds with one stone.

 

you need a copies of your statements to reclaim the charges & PPI

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi again , the debts are with the origional creditors still. I spoke to a very helpful lady at Payplan today and she advised me to pay a token payment at the moment to show i'm paying something and hopefully get them to freeze the interest.

She also gave me some template letters to send them along with information to help reclaim my charges.

 

I'm really glad I spoke to Payplan , good advice without trying to sell me anything.

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