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worried man

other debts as well as santander OD

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No hassle from Santander,

we had a DMP for all our creditors with Stepchange,

 

 

they were extremely helpful & arranged payments with all our creditors.

 

 

After about 6 months we decided to administer the DMP ourselves,

just carried on with arranged payments, no interest added by Santander, we owed them £2600 now down to £1800.

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hi dx

my credit score is 307 8 positives 3 negatives,

but im sure that will change once i let jacamo jd williams premier man

 

our situation i think i send them a token payment once they contact me as it costs 13p a minute or something daft to ring them

and i am sure they just get very nasty.

 

dreading talking to them all

 

feeling very sad and worried about this whole thing

 

wonder if i should carry on as i am till me overdraft goes bang

or i do i have a heart condition

not a happy bunny today

 

scared vanquis will contact wife at work

 

all the other debts are in my name

 

debt mangement trust-stepchange-payplan- christians against poverty which one do i choose

 

how do i cope with creditors in mean time

feeling sad :(

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thanks oldgirl what information do you need to send to stepchange all bank statements proof of income copies of bills i assume

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lots of things there you have gotten wrong or have been reading fairy tales about.

 

 

firstly never ever use the phone regarding your debts

one, you need a papertrail

2. you are under NO legal obligation to discuss debt over the phone

put the phone down after stating writing only.

that goes for calling peoples works numbers

that UNLAWFUL and cannot be done.

 

 

so what are the defaulted dates on your credit file.

 

 

I wouldn't be rushing into any debt management plan with anyone yet or at all.

 

 

we need to get you duck inline.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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the hint there from oldgirl, if thats what you want to do

we decided to administer the dmplink3.gif ourselves,

IMO

:-):rant:

 

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oh i think i like help from stepchange etc so it cuts some of the hassle out thamkyou all for your advice etc just scared by it all

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lots of things there you have gotten wrong or have been reading fairy tales about.

 

 

firstly never ever use the phone regarding your debts

one, you need a papertrail

2. you are under NO legal obligation to discuss debt over the phone

put the phone down after stating writing only.

that goes for calling peoples works numbers

that UNLAWFUL and cannot be done.

 

 

so what are the defaulted dates on your credit file.

 

 

I wouldn't be rushing into any debt management plan with anyone yet or at all.

 

 

we need to get you duck inline.

whats me duck ? and how do i manage my debts wothout a debt plan ? dx your a saint ta for your ongoing help :)

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fair do's.

it may well cut out the worry for you.

hopefully you aren't being cash cowed?


IMO

:-):rant:

 

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fair do's.

it may well cut out the worry for you.

hopefully you aren't being cash cowed?

 

cash cowed whats that pls

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cash cowing - paying a debt when you don't need too.

 

id be verifying all the debts are enforceable BEFORE you blindly enter into any DMP with anyone.

they do not check a debts legality.

 

you've a list of debts in post 5 can you copy that list here

 

and using you credit files

 

add the defaulted date to each one please./

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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what bit don't you understand


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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if we told you it cost £10 to post here everytime you'd cough up?

 

 

so how do you gauge what you owe to these people is legit?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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so you signed a credit agreement with each company that you assume you owe that amount of money too


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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MAYBE SOME the credit cards but not sure about jacamo jd williams premierman

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exactly..

so these are the things that need to be investigated.

 

which is why certain questions like when did you open xyz credit account is important

and if you've a defaulted date on your credit file for that debt.

 

it might for the minute to get on a stable footing

send that letter we pointed too offering say £5PCM to each creditor now

 

then we'll deal with each debt and it finer details.

 

as a general question

has all this credit been taken out after april 2007?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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,could you show me that letter again please sorry dx my head is muddled with this and i am worried, yes all credit took out after 2007

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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