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Getting a DMP - Affected PDL due tomorrow, what should I say?


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I have contacted Step Change (formerly CCCS) to start a DMP, one of the loans involved is an almost £800 with 247 Money Box. (along 7 more) :|

 

The due date is tomorrow, I still haven't received anything from the DMP company and I asked them about this but still no reply.

 

What should I say to them?, I am not gonna pay of course, Step Change says in his web I think that in this cases you should make a payment, even when not full, just to show willingness to pay.. but I don't know.

 

What do you advise?

 

Thanks a lot!

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You need to secure your bank account or at least empty it. Otherwise they will take what they are owed, or strip it clean.

 

You can try and contact them, but if you call them, make sure you record the call. If they say they cant or wont stop the transaction, then they are in violation of their credit licence terms.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi thanks for replying, Step Change says they will provide a letter template that I can use and send it to all my creditors informing their involvement.

Also they advised the same about the account (currently is with 0 funds and I have another clean account I am using instead).

Finally they advised me to make a token payment of no more than £5 as a gesture of goodwill, and to make sure I call my bank to avoid them being able to debit further amounts.

 

Does it make sense?

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Yeo. However i would write a letter to the bank and hand it in person to the manager. Get it signed stamped and dated and make sure they give you a copy thats also signed etc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I will do that, do you think I can write only 1 letter to the bank with the list of the PDL companies I want to block, or it should be 1 per company.

 

Yeo. However i would write a letter to the bank and hand it in person to the manager. Get it signed stamped and dated and make sure they give you a copy thats also signed etc.
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I will do that, do you think I can write only 1 letter to the bank with the list of the PDL companies I want to block, or it should be 1 per company.

 

You only need 1 letter. Tell the bank to cancel and decline any and all transactions to them INCLUDING any cpa's on the account.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Great, so you say any CPA from any company even if it's not a PDL? I mean, normal companies that have CPA like.. lovefilm.. or whatever?

 

You only need 1 letter. Tell the bank to cancel and decline any and all transactions to them INCLUDING any cpa's on the account.
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No, State the names of the lenders and the merchants, as merchant names can be completely different from the lenders. Tell the bank you want ALL CPA's relating to the named companies cancelled.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks, I had a chat today (proper Web Chat) and they insisted that I should pay.. they offered me to do it in 2 installments, I offered them to do it at £50 per month and they said it wasn't enough. So I paid them £5 today and will see.

They said they could now accept the offer by DMP and they will keep adding charges.. bla bla bla..

 

Anyway... thanks!!

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It doesnt matter what they consider enough. They get paid whatever your financial circumstances allow.

 

Also tell them that you have explained that you cant afford to repay it, so what would be the point of adding unlawful and unfair charges?

 

Make a full complaint to the OFT. Make sur eyou tell them that they are refusing to take your circumstances into account, and saying that if you dont pay what they demand, they are threatening to add on unlawful charges.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks, but the DM company (Step Change) will start taking care of it very soon, so is it worth to complain anyway or I should wait to see how lucky Step Change is dealing with them?

 

They said exactly this today:

"£50 will not be adequate to freeze your account, considering that the balance is over £700. I need to also make you aware fees and charges will be added to your account until we receive contact from Step Change, this can take several weeks.

There will be a £20 one day late fee, interest added at a rate of 1.2% per day, and you will recieve weekly default letters chargeable at £10 per letter."

 

Sounds excessive isn't it?

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You must tell stepchange everything. That way they can contest any charges on the account and advise as needed. You could contact them and explain what fees and charges they are talking about, as they would all be unlawful apart from a base default fee which is usually £20.

 

The letter charges are unlawful, and i'd love to see them justify 1.2% interest per DAY. To me it sounds like they are trying to threaten or blackmail you into not going with stepchange and to do what they say. As i said before, you MUST get a full complaint in with the OFT about their conduct. If you dont, you are justifying what they are doing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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