Going it alone!!!

[fatboydukey]

Hi all

 

I did have a dmp with Harrington Brooks/all clear finance which I cancelled last month because they kept changing the dates they were paying my creditors and then I was getting letters saying they were gonna add charges etc (I fully understand how to claim back charges (am a bit of a pro hehe)) but my question now is about going it alone and sorting out the small piece of debt I have left....less than £2000 so wont take me long to pay!

 

Earlier I rang one of my debtors, thinking they would quite happily accept a request to set up a direct debit with them but the little twerp on the phone was sounding quite disgusted that I didnt have to the money to pay in full right there and then....live in the real world buddy, or is mummy still at home wiping your behind and clearing up all your own mess??.....

The offer I was willing to make was more than I was paying thru my dmp but he wanted to go thru a expenditure plan over the phone....I didnt do this coz basically I didnt want to! I then said I would write to them instead! He said they could do a 2 or 3 month plan....yeah I wish!!

 

Now I am looking for a template I can send to all my debtors saying along the lines of....I cancelled the agreement with the dmp but obviously I have other debts I need to pay aswell and can offer you this a month.....some of them will be paid within 6 months so me doing it myself is meaning they getpaid more and quicker!!!

 

I have written all my debts down with what I can pay each month to get me debt free within a year but I cant find a relevant template I can use to send to them.

 

Can anyone help out there please?

 

Cheers

FBD x

[maroondevo52]

Hi,

 

You should find something you could edit in here.............

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Regards.

 

Scott.

[fatboydukey]

Thanks Scott, I will have a read thru and adapt one of the templates to say what I want it to!!

 

[zingy]

Fatboy,

 

I'd also be inclined to pay them by standing order rather than direct debit. That way you are in control, and I'm sure they won't have a problem providing you with the details when they reply to your letter.

[fatboydukey]

Good thinking Zingy!!

 

Thanks!

[PriorityOne]

I have never gone through a DMP and have always managed things myself so if you need any guidance, just shout.

 

The advice re. Standing Orders is good.... never pay your debts on a direct debit; as they can change they amount taken from your account. Under a SO, only YOU can do that.