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swanleyboy

Added WDA to DMP but they are refusing to accept ...

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Hi all,

 

Thanks for this forum and amazing advice.

 

Had a PDL with WDA. Couldn't pay. Was with Payplan (yes I know1) so sobbed down the phone and it was added. However WDA refuse to accept the DMP. I told them 'tough' essentially, waited for a week then got back the following email. Any advice?

 

 

 

"Dear Jonathan,

Unfortunately we do not accept pre signed letter of authorities, due to this we do require an agreement to be put in place direct with us.

We can not accept a plan through your debt management company, and a payment is required in order to hold the account further.

If you wish to discuss this further please callus on, 01756 707306

Regards

Fiona"

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Ignore it and state in writing direct to them what the repayment plan is. Then start paying them via standing order.


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 emailed Payplan regarding the email received above and to be honest not happy with their response.

 

"Thank you for your email.

Your creditor is obliged to take our payment but not obliged to accept the DMP and as such they will not discuss any issue that we may need to discuss in the future.

It is very likely that they will add all the interest and charges possible as when you took this loan you were already on a DMP and therefore you knew you could not keep the payments and this is considered fraud.

Ignoring the emails won’t make the issue disappear and your creditor can apply for a charging order at any time.

If you’re seeking advice you should address the citizen’s advice bureaux. "

 

WDA advance has gone VERY quiet and no contact has been made - certainly not to the extent that I thought. One email in two weeks.

 

Is there any advice please.

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If you were on the DMP at the time you took out the PDL, then that could be a problem for you.

 

I will try and find some one who can help.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

Not a very helpful response from payplan was it? How long were you on the DMP before you took out the PDL, wouldn't it have shown on your credit file when they processed your application, or didn't they even bother to check

 

How many creditors have you got on your DMP, how much are your repayments in total and how much was the PDL for, sorry about all the questions but it helps give a better idea of what to advise.

  • Haha 1

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Not helpful at all. If push comes to shove, as a last measure, after trying all other suggestions, you could go to somewhere like NEDCAB and start a new DMP including this PDL. It wouldn't be ideal, but it's an option if all else fails.

  • Haha 1

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Thanks for the response.

 

I have been with payplan for about 10 years - £60,000 of debt, about £50,000 now. (about 15 creditors in total). I pay £175.00 to Payplan per month.

 

Got into a PDL loan spiral in the last few years. Without going into details I added some to Payplan already, then got some more which my father paid, then got another one with WDA and again got into trouble.

 

Will NEVER do that again as now told told partner etc. Got into such a state that I tried to commit suicide - a long story that I will share at some point on here.

 

WDA was for £600, paid about £200 off but then got into trouble. Had a repayment plan for £50 per month but just found that too much so bit the bullet and emailed Payplan who were understanding - initially - and took it on.

 

Have had 2 emails from WDA. One saying that I have committed fraud as I made no mention of being oon a DMP. I emailed back to say that on their application there was no mention of being on a DMP and surely they credit checked?

 

Then silence, then another email which said this:

 

"Dear Jonathan,

Unfortunately we do not accept pre signed letter of authorities, due to this we do require an agreement to be put in place direct with us.

We can not accept a plan through your debt management company, and a payment is required in order to hold the account further.

If you wish to discuss this further please callus on, 01756 707306

Regards

Fiona

 

I have no plans to call them to be honest. I am not willing to go to an IVA and not prepared to go bankrupt!

 

Any advice would be great.

 

Regards,

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Out of that £60,000 how much is actually enforceable?


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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Was there any Payment Protection / Card Protection Policies on any of your other debts or default/penalty charges.

 

Has interest ceased on the other debts ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes, I have been good with this. There was no PPI etc on anything. After all this time now the debts have been sold on numerous times so I about 4 companies along now. Yes the interest has stopped on all including the other PDL companies like PTP, Quikcquid and Wonga plus lots others.

 

I got my MP involved and Stella Creasy as PaydayUK we not havving it but ALL these PDL's were taken out when I was on a DMP. WDA is the first one to start making a fuss.

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renegadeimp - what do you mean and how can I check? Now nearly all have been sold onto other debt companies like Arrow.

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Excellent - good news the interest has ceased.. but it looks like you are going to well tied up with this for quite a time !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Indeed - annoying as I get the oddd letter offering a HUGE discount. I have one old loan about £17,000 that recently offered to halve it but just don't have the spare money! Mother in law pretty ancient so who knows!

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ANY discount letters means there is something very VERY wrong with the debt.


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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Really? I always thought that the original company sold the debt on at a huge discount and then the company that bought try to get as much out of you as possible therefore making their money? Is this wrong then?

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When a DCA who bought the debt offeres you a massive discount like that, then theres something wrong. It could be no paperwork, full of charges/insurances etc. Whatever it is, thats the reason why they have offered such a massive discount.

 

The golden rule of paying any DCA is to never blindly pay a single penny without checking everything about the debt first.


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 take it you do not have any assets ? Property ?

 

As regards fraud, these loans are marketed as a short term loan solution, the dmp was a long term arrangement there is nothing to say that you did not envisage that you would be able to repay this without any effect on your DMP.

 

The fact that something went wrong which prevented you from so doing does not in my view make it a fraudulent transaction, unless you were specifically asked if you had any ongoing payment arrangements on defaulted accounts.

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I take it you do not have any assets ? Property ?

 

 

These are important questions as they may dictate the way forward. TBH, IMO Payplan were possibly somewhat rash in negotiating a DMP over such a length of time. One has to question whether it was (or indeed is) the best solution for you.

 

How much do you think you could afford to pay each month towards the PDL?

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I do have property yes but no equity.

 

I could afford say £20 a month.

 

@renegadeimp - is it too late now to check the debt? How would I do it and with whom? Original debtor or the DCA?

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Hi

Me again

You sound a lot like me, even down to the name

 

What you need to do is send a CCA request to each of your creditors. One for each account. You have held these for a long time so I am guessing that they were all taken out prior to 2007. There is a fair chance that some if not all the agreements will either be unenforceable or they will not be able to find them.

 

The other option if you have no assets is BR. If you are working it costs about £700 if you are on benefits £525. Of course as a bankrupt there are some jobs you can not do...anything within the financial industry for a start. I can suggest options but can only tell you my experience


Any opinion I give is from personal experience .

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Hey Fletch,

 

I am not going BR. I have a decent job. Simply got myself into s**t and trying to sort it out. I can afford life but only just.

 

If a CCA request comes back as they can't find the info then what? You simply stop paying them? All my debt is with Payplan now - other than WDA.

 

There will be a time that I can pay off my debt - and hopefully not too far in the future so I am not going fro an IVA, BR etc.

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Hey Fletch,

 

I am not going down the BR route. I have assets. I have a job. I can just about pay bills. Everything now with Payplan other than WDA.

 

If I send a CCA request and it comes back that they cannot find it etc - what then? You just stop paying?

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If a CCA request comes back that is either incomplete or they can not find one you stop paying. After 6 years the debt becomes statute barred and can not be chased. I imagine that all your defaults (apart from the PDL's ) have come off your credit file and can not be added.

In my case I have about 45K and although I have no job and no assets I haven't paid a penny in 18 months. A couple came back saying they couldn't find the agreement, a few came back that did not contain all the prescribed terms and as such can never be put right and some have come back with incomplete details (now they can be put right by getting it right, but I ain't telling what they have doe wrong)

 

One example is a credit card where they reduced the interest to 0 but because the default was bad the termination was bad so they should have sent me the varied terms that put the interest rate to 0. I know its a technicality but so what.

 

I have learnt a lot from various people on various forums and had a lot of support. I am not allowed to PM because i was a bit naughty in the past but that is behind me now

 

I am not sure what funds you are planning to use to pay off your debts, just when the time comes make reduced offers , or at least i would if I were you.

 

 

Oh when you stop paying, I didn't just stop but I sent letters saying this is unenforceable because it is ......or it is UE because you have not complied with my S78 request. Fair bit of letter ping pong for a while then it calmed down, just the odd one now


Any opinion I give is from personal experience .

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