Starting my own DMP

[sups88]

Hi Guys,

 

A whilse since I've posted but have finally kicked the DMP Company and doing it myself.

 

I have writting and sent the letters stating my proposals to the three companies all of which have been increased as I have been able to distribute the fee I was paying to each creditor.

 

I have also asked them to keep the accounts in the state they were in when I left the DMP. I.e with interest frozen.

 

Have I done the right things here? I want to clear these debts and I think this is the best ways of doing it.

 

On another note, if they were to charge interest, does anyone know what the likely rates will be?

 

I have two Bank of Scotland and one now with Wescot.

 

Thanks for your help!

[dx100uk]

what are the debts?

 

 

dx

[sups88]

2k Halifax loans

700 Mint Credit Card

900 BOS Current Accounr

[dx100uk]

ah yes remember now

 

 

have you sent a CCA request on the loans & the Mint card?

are they all still with the original creditors

or are they being paid to a DCA?

 

 

dx

[SabreSheep]

Any ppi on the loan or credit card?

 

Any late p[ayment fees or overlimit fees ont he credit card?

 

If the answer is yes, begin reclaiming

If the answer is dont know, SAR the loan and credit card

 

When were loan and credit card opened?

Do a CCA request on loan and credit card