My own DMP

[MRS A]

Re: My own DMP

'Thanks Mrs A - I have read your thread but I think you have been given some good adivce already - but feel free to ask my any questions and I will be happy to help'

Thanks sunny. I probably will have questions so I'll know where to come ;--G

[LooLoo]

Re: My own DMP

My overdrafts...

I had a current account with the Halifax for a good number of years and had always been fairly happy with them, however I suddenly got a letter saying that from November they would be charging £5 a day for O/D useage! My OD wasn't that big and for the first coupleof months of the year I never used it but as the year dragged on the overdraft went up and there was no way I could afford to be in the red as it could be costing me an additional £100 a month for this luxury (o and by using your over draft it didn't matter if it was £1 over drawn or £1,000... go figure.

So i changed my bank account to a basic one with the co-op and left my halifax one as it was (wasn't going to rush myself to inform them as they could just carry on charging themselves! I was even asked on one occasion when I rang up to pay my Halifax Credit card, would i just like to pay the arrears from my overdraft... yeah why not what the hell... (of course I never did that)

Finally the penny dropped and halifax realised that my salary was not being paid into my account and I sent off my usual letter with my income and expenditure sheet - I think my budget said I sould pay them something like £10 a month so I upped that to £35 which they are happy with and all charges and interest has been frozen - soooo and I am watching that amount of debt going down monthly.

Now just the Alliance and Leicester joint account with the ex... that is another story!

[Never-In-Doubt]

Re: My own DMP

Hiya

Have you had all charges, including the £5 per month charges refunded - even better, have you tried to reclaim them? If not, time to speak to me.....

Regards A&L - they'd not have been used to a Niddy special so it'll be getting looked at by Sue or Thomas in compliance..... wait and see, they will say ok or will say sod off - go ahead punks, make my day! ;LOL

[LooLoo]

Re: My own DMP

Niddy you are that little devil sitting on my shoulder.

When things have calmed down with the site we can have a chat.

I wonder when I will hear from the A & L.. (O sorry Santander......)

[LooLoo]

Re: My own DMP

Niddy got a letter from Santander - just demanding the money nothing acknowledging the letter I sent them

[Never-In-Doubt]

Re: My own DMP

Niddy got a letter from Santander - just demanding the money nothing acknowledging the letter I sent them

Just ignore them...... they must respond to your letter, it was formal remember so they have 28 days to reply or issue final response, if not we'll move to the next stage - bear in mind this is the worst UK bank ever, we're speaking about. You know the one, that takes 5 weeks to have a replacement PIN sent, for example..... 2

[LooLoo]

Re: My own DMP

Okies will just ignore!

[Never-In-Doubt]

Re: My own DMP

Okies will just ignore!

Let me know if/when you hear back....

[crazymaz]

Re: My own DMP

hiya sunny

hoping all continues to go well, i had tried the self dmp a couple of years ago but although i got some companies agreeing only to six months, it was the way i was treated that flipped me over to looking at the unenforceable route - my attitude now is that once they provide the correct paperwork and niddy and the gang here says its fine and above board i wil start negotiating a payment plan with them, until then, let the statute clock keep running, I have personal experience of the other side of bank accounts and credit opening and thus understand that the law states correct paperwork to be kept etc, if the original creditor has chosen to ignore this then they face the consequence of being questioned by me for the paperwork.

My file is shot , thus not intending to get any more credit via banking, but i do have my credit union as a way into getting myself sorted for the future.

i think its a bit of a personal adventure and you have to do what is best for you and your family, so i really hope its working fine for you and that you can sort any other issues in your best interests. Good Luck,

Me, im a bit of a rebel and i will fight as i believe its the better option for me and my family take care MAZ 2

[Never-In-Doubt]

Re: My own DMP

Me, im a bit of a rebel

Don't I know it........

[LooLoo]

Re: My own DMP

Thanks Maz

[LooLoo]

Re: My own DMP

Nid

sorry to bother you but just a quick one before I go... Not heard a dicky (unless I get home tonight and get a letter) assume it will all be ok whilst I am away? Just a bit worried as obv don't want people calling at the house while we not there as got the doggie sitters in??

[LooLoo]

Re: My own DMP

Hey Nid (from the pool) just heard from the ex mr looloo (great holiday reading) but Santander are now constantly calling him. I've told him to ignore calls until I am back and I will do him a letter about only contacting him in writing. Is that ok?? I'm assuming I might have a letter waiting for me when I get back.
See ya when I'm browner

[Never-In-Doubt]

Re: My own DMP

Hey Nid (from the pool) just heard from the ex mr looloo (great holiday reading) but Santander are now constantly calling him. I've told him to ignore calls until I am back and I will do him a letter about only contacting him in writing. Is that ok?? I'm assuming I might have a letter waiting for me when I get back.
See ya when I'm browner

Hiya, why do you want to help him? Let him cough up half the dough.... You've put up with the sharks for long enough see how he likes it.....

Didn't you make a full and final offer to them? (a&l)? Just ignore all this, we'll talk when you get back yea..... Have a great time!

[LooLoo]

Re: My own DMP

Cheers for that nid. No he is going to pay half and as much as I love him finally getting the hassle we are so close to getting divorce and financial settlement sorted I would rather work with him on it if you see what I mean.

Yep we did do the letter so let's see what waits me on my return

Thanks nid and yeah having. fab time will bore you all when I get back