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PPI And Debt Management!


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Need some help regarding PPI?

 

am i entitled to claim even though my debt is in a DMP.

 

My DMP have said they can do it for me,

when i researched them its just somebody in the same building as them under a different name.

 

What is the best way to start the ball rolling?

 

Has any of you done it on your own and most importantly have you done it whilst in a DMP?

 

Also,i have a credit card that i still have and use,

 

is it worth trying to claim on that too or do i have to pay it off first?

 

Many Thanks

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why are you in a fee paying DMP?

 

dump them!!

 

do all the DMP debt SHOW on your CRA file?

 

as for using ANY co. to reclaim PPI ... no !!

you can lose up to half of your reclaim through their fees and cut of the refund.

 

you can reclaim PPI at any ttime under any situation.

 

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 odydog,

 

I am in a similiar situation in that I have a DMP (Free One) and been in it for a few years. I am currently claiming back PPI and have just had a succesful claim. So, go ahead and start to claim back all of your PPI.

Don't worry about wether it is "the right time etc", just go ahead and get some of your money back.

 

There are lots of people on here who can give you good advice.

 

Jedicris

REMEMBER! Hunger is the enemy - NOT the hungry!

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and seriously question WHY

you are paying any debt that is not on your CRA file!!

 

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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But why has it not been visable on my file?its always baffled me?

 

 

dunno how old is it

tell us the full history

 

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 odydog,

 

I did it all myself. Just did some research on this forum and asked a few questions and received some help here.

 

Do take the time to read some of the material signposted in certain members signatures i.e dx100 etc. It helps a lot.

 

Don't even think about using a Claim Company, they can do nothing extra to what you can do!!!!!

 

Plus the sense of SITTB is just so much greater if you do it yourself instead of an overcharging claims company

 

Jedicris

Edited by Jedicris

REMEMBER! Hunger is the enemy - NOT the hungry!

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Back in 2004 we had a loan,

it went to a DMP after my hubby was abroad.

 

No help what so ever from the bank so had to go to DMP.

 

Only ever had a default from a credit card that was defaulted at same time as loan on credit report,

 

only ever heard from the bank for a couple of months and never heard anything since.

 

If PPI could be reclaimed i would be asking them why i ever ended up struggling in the first place.

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full history please

 

taken out in 2004

 

paid under DMP with XXXX date date.

 

etc cetc

 

please

this is important.

 

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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The loan was with HSBC,

defaulted in 2005,

passed to DCA in the May

Waiting for DMP to take over payments.

 

I also had a credit card also with HSBC they were the only one's to default on my credit file.

Default has now cleared although still paying.

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DMP with whom?

 

dx

  • Confused 1

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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are you still paying them ?

 

if you are stop!

 

are you aware that your payments WERE comign off the debt?

dont rely on them [spectrum] sendig you statements they lie]

 

have you any evidence from say halifax or your CRA file that what you were paying spectrum actually came off the debt?

 

 

me thinks they have been pocketing the payments and this debt has in the meantime gone SB'ed.

 

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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How can i find this out? I have only ever heard anything from the credit card debt from HSBC. when i asked spectrum for the balances for each account i was not even sure the figures were correct.

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thats why i said - SAR to Halifax - earlier.

 

that will give you everything they hold on you

 

would also be of course useful for the reclaiming.

 

if they still own the debts then what you have paid should have been coming off the debts

and SHOULD have been reported to the CRA's too.

 

sadly, the CRA file not being updated is a clear sign something fishy has gone on somewhere

 

if you were paying a debt off - why not report it...

 

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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