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I entered into a debt management plan in February of this year. My debts totalled upto around £4000, i could just about to afford £400 a month, and the more i can throw at the debts the better, of course. Now the company im with take £70 for the pleasure of dealing with this for me.... which to be honest to get rid of the letters, the phone calls and getting back some much needed sleep i am quite happy with.

 

Now at the time, stupidly as i realise now, the company stated that the first two payments would be used arrange the plan. Which in my mind is classed as £800 in total would be paid towards my debt, turns out i was very wrong indeed, this £800 went straight to the debt management company.

 

Now i assume there is not a lot i can do about this, however, there must be somewhere, where this is slightly wrong as a person who only pays £100 a month would only pay £200. so in total i have paid £1600 to this company, yet only £660 has been paid towards my debts.

 

has anyone got any information on this that they can give me?

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dump them and go to cccs or payplan or do it yourself

 

have you cca'ed them all?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

As Dx says, you'd have been far far better going to CCCS or Payplan, who do exactly the same job for free (or DIY with our help on here)

 

It does sound a particularly big ripoff though..might be an idea to give Trading Standards a ring. Did they supply a contract / terms and conditions?

If so, was this up front fee made plain?

 

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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