My own DMP

[LooLoo]

Re: My own DMP

Well my Halifax Credit Card has been turned over to Blaire Oliver and Scott.

She asked me about my situation and I said but surely arent you the inhouse debt collecting agency for Halifax. O yes we are but I don't have access to your information about your situation. Anyway they are carrying on with my montly payment and have frozen the interest.

So that is ok for the time being

[Never-In-Doubt]

Re: My own DMP

Result sunny - nice one.

[LooLoo]

Re: My own DMP

Cheers Nid

O she also really nicely told me that if I could pay off the balance she would give me a discount

;LOL ;LOL ;LOL ;LOL ;LOL ;LOL ;LOL ;LOL ;LOL

So once i picked myself up from the floor I said, well love if I win the lottery you will be the first to know!

O and she said she would review me every 4 - 6 months incase I could increase my payment i said ok that is fine but you got more chance of seeing a i than me affording anymore.......

But she was a very nice lady

[kagey]

Re: My own DMP

Get them to default you then charges stop. But aren't you doing unenforceability anyway?

sorry to hijack thread, but what happens after they send a DN? Reason I ask, we have been offering lower payments to creditors, one has issued dn and then acepted lower payment for 3 months. Others are threatening dns. What do they do after that? I just want to get on with paying off our debt as a lower monthly amount that I can afford, but don't want them to take us to court or send bailiffs round, is this likely?

Thanks;

[LooLoo]

Re: My own DMP

I've only been defualted on two so far the longest being Mint and they just so far (touch wood) accepted the payments - no CCJ's. Also they won't send bailiffs it will be a doorstep agent who has... erm... no power... (isn't that right?? someone??)

xx

[swanfan]

Re: My own DMP

Yep they will only send a doorstep agent, but they have as much power as a paperboy.

They should also warn you by letter if they do this & then you simply send this to them
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[LooLoo]

Re: My own DMP

Nid sorry

apparently as SATANdare are just sending all the correspondence to my ex......... I have not heard anything but apparently they have sent him (addressed to both of us at his address) a register of default - I have asked him to send me copies of it all

What jokers! how can I respond to something that I dont get??

o and they ringing him on a daily basis ;LOL ;LOL ;LOL ;LOL ;LOL my heart bleeds - me I am hearing nothing

[Never-In-Doubt]

Re: My own DMP

Hiya

Have santander responded to your offer as yet? if not I think you need to write again and remind them of your offer...... however if they are hassling the ex then leave them to it - lol. I s'pose it is better than them hassling you.

As for the Default, it will be a bog standard default notice in line with s.87 CCA....... don't worry about it, but being you've made a gesture to pay I am surprised they are playing this game - you really need it to be sold to a DCA to get a good offer so let em default you - don't worry.

[LooLoo]

Re: My own DMP

Cheers Nid.

nope no response so i will remind them of my last letter.

will email you a copy of the default letter when the ex sends to to me.

At least i get a quiet time... hehe

[Never-In-Doubt]

Re: My own DMP

The default letter is a preset format, it'll literally say that they will default you in 14 days and the amount of arrears that you need to pay to rectify the default....

fook em, lol. Don't worry about it, send a gentle reminder with your offer and see what they come back - if anything - but whatever you do, do not send it until AFTER the default remedy date on the letter, you need it to get defaulted!

[LooLoo]

Re: My own DMP

Ex sent me default letter I'll scan in on Monday.

It would seem according to Santander I live with him now! Better not let on to mr loo!!

[Never-In-Doubt]

Re: My own DMP

Hiya

Any update on your offer as yet?

[LooLoo]

Re: My own DMP

Not a sausage

I asked the ex if he has heard anything form them and he said nope just a statement which he has filed under "who gives a f*ck"

What do you suggest? just hang tight? Remember they are not sending me anything now it is all going to the ex - but I have the money to make the settlement with so I kinda have to work with him over this.

[Never-In-Doubt]

Re: My own DMP

Hmmm, i'd just leave them to it. Forget working with him, cos you have made an offer he is best ignoring them and eventually they'll come back to you - ideally you want them to default the account and sell it on then you have better grounds to haggle etc....

[LooLoo]

Re: My own DMP

O and PS think I might have some fun and games with Egg this month as my year is up and I think they are under some illusion that I will paying my minimum payment... where as all I can afford is the same reduced payment that i have been paying for the past year - so watch this space............