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Bit of a pickle!


panzer
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Hi all,

 

Myself and the Mrs are upto our necks with cards, loan and overdrafts and simply cant survive with all the interest.

 

We have done a budget with Consumer credit counselling service and they reccomend we go onto a DMP

which if all our creditors agree to will ease things up a bit.

 

We have missed the last few payments on most of our cards and default notices have landed already but I guess the CC companies would issue defaults anyway once DMP is submitted.

 

To be honest I am really upset to be doing this

as I have struggled for years to maintain my debt payments

and it feels like I have self destructed my credit rating for years to come,

but then again being able to get credit has done me no favours has it!!

 

confession over and points I could do with a bit of guidance on:

 

Do creditors generally go for the offers made to them by CCCS?

 

I have running credit in the form of mobile contracts, car insurance etc, will these be affected by the defaults or if I need to change providers will they stop me from being able to?

 

Will the negative stuff drop off after 6 yrs?

 

Thanks people, needing a bit of ressurance

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Car insurance if on installments under a regulated credit willbe defaulted and the insurance cancelled if the payments are not met, usually 1 missed payment will trigger a default notice and notice of intention to cancel cover.

Yes defaults will affect change overs.

All defaults are removed from credit files after 6 years paid or not.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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you need to list yours debts.

 

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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Between the 2 of us

 

Mbna CC 3000 + 4000

HSBC CC 4000

Halifax CC 2800

overdraft 2200

overdraft 800

unsecured loan 8000

Storecard 1000

Storecard 1200

 

As well as this there is another card which I haven't paid or acknlwledged for a year as they have my D.O.B wrong so thought I was a smartarse, usual letters now threatening house call.

 

Makes me sick looking at it all, just want to take some of the pressure off as the stress of it is too much.

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not too bad then.

 

you'll get on ok with CCCS

 

the issue is though

 

if you have PPI or PENALTY charges

on any of them

 

its prob better to get those sorted first before going with CCCS

 

are all the debts still with the OC's

or have some been farmed out to dca's

 

and how old are the cards. etc

 

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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Not too bad then , lol made me smile.

 

All are with the original creditors

 

apart from the one CC I haven't paid for a year,

this was originally egg from 2002

then shoved over to barclays

and has been around 5 companies

with the latest being some muppets from cornwall.

 

The other cards are probably from around 2004-2007 ish.

 

I have reclaimed every PPI and have just had a refusal from HBOS on CC charges LBA I sent, is it worth pursuing this to court? adds up to around £900

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yea you'll get int in restitution

 

they'll not go that far.

 

if you cant pay your cards then so be it.

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

 

 

creditors should hep

 

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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