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  • #61
    Re: New member needing advice please!!

    Originally posted by Max View Post
    SaltnVinegar,

    DMP are calling me not my creditors. I cancelled my insurance with them to free up an extra £30 a month since getting stronger from all the great advice and support from you guys and gals at beginning of this week. They were not impressed and pretty rude to me. This annoyed me as I have paid them this insurance every month for more than 5 years.
    This is my first step preparing for getting rid of their help!! in the new year.
    Now towards the end of the week I am getting calls from DMP at least twice a day.
    Hmmmmmm - have you read the t&c's with regards to the PPI?

    There are people far more knowledgeable than me in this area (Di for example), but I'm wondering if there may be a case here for mis-selling and possibility of a reclaim?

    Does anyone know of anyone who has reclaimed PPI from a DMP provider?
    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

    The consumer is that sleeping giant.!!


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #62
      Re: New member needing advice please!!

      Thanks Odetter for reminding me of how much I have paid the. To make the amount worse I have searched my attic for papers (being a hoarder!!) and found my original paperwork. We have also been paying life insurance as well of £10 per month. This pays £20,000 to the creditors if either of us die. I plan on cancelling this tomorrow morning when I ring payplan.

      Comment

      • #63
        Re: New member needing advice please!!

        Check whether the life insurance is valid. Do either of you have any medical conditions etc that would invalidate?
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #64
          Re: New member needing advice please!!

          Originally posted by Max View Post
          Thanks Odetter for reminding me of how much I have paid the. To make the amount worse I have searched my attic for papers (being a hoarder!!) and found my original paperwork. We have also been paying life insurance as well of £10 per month. This pays £20,000 to the creditors if either of us die. I plan on cancelling this tomorrow morning when I ring payplan.
          Hang on a minute - did I just read that right - you have taken life insurance with Payplan that pays your creditors £20,000 in the event of your death???

          This is in addition to the £30/month you are paying in 'payment protection insurance'?
          "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

          The consumer is that sleeping giant.!!


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #65
            Re: New member needing advice please!!

            Is the debt jointly or separately held?

            Comment

            • #66
              Re: New member needing advice please!!

              Originally posted by SaltnVinegar View Post
              Hang on a minute - did I just read that right - you have taken life insurance with Payplan that pays your creditors £20,000 in the event of your death???

              This is in addition to the £30/month you are paying in 'payment protection insurance'?
              SnV, Yes.The insurance is £5 a month each for me and my wife and yes in addition. I have rung Payplan to cancel it this morning but they will get a rep for life insurance to confirm my cancellation next week.

              Comment

              • #67
                Re: New member needing advice please!!

                Originally posted by Max View Post
                SnV, Yes.The insurance is £5 a month each for me and my wife and yes in addition. I have rung Payplan to cancel it this morning but they will get a rep for life insurance to confirm my cancellation next week.
                Ok I seriously think you need to look at whether the insurance that has been sold to you is appropriate for your circumstances and whether there are grounds for a claim of mis-selling.
                "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                The consumer is that sleeping giant.!!


                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment

                • #68
                  Re: New member needing advice please!!

                  I agree. That's bang out of order IMO
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                  • #69
                    Re: New member needing advice please!!

                    Originally posted by Max View Post
                    SnV, Yes.The insurance is £5 a month each for me and my wife and yes in addition. I have rung Payplan to cancel it this morning but they will get a rep for life insurance to confirm my cancellation next week.
                    Sounds like they're faffing around with the cancellation as well. It needs to go off in writing Max, or by email at the very least.... with confirmation that it will take place with immediate effect.
                    Remember the mantra:
                    NEVER communicate by 'phone.
                    Send EVERYTHING by Recorded/Special Delivery
                    Keep a copy of EVERYTHING sent
                    Keep hold of EVERYTHING received
                    PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #70
                      Re: New member needing advice please!!

                      Originally posted by PriorityOne View Post
                      Sounds like they're faffing around with the cancellation as well. It needs to go off in writing Max, or by email at the very least.... with confirmation that it will take place with immediate effect.
                      Thanks. I will send an email tonight to cancel it as around work it may be a week or more before I speak with them on the phone.
                      regards
                      Max

                      Comment

                      • #71
                        Re: New member needing advice please!!

                        Don't speak to them on the phone... everything in writing from now on.
                        Let your smile change the world but don't let the world change your smile

                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #72
                          Re: New member needing advice please!!

                          As Pixie has said don't speak on the phone, there is no record and things can be 'misunderstood' by both sides ...... Refuse to answer their security questions, after a while as your confidence grows it can become quite a game dealing with them.
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #73
                            Re: New member needing advice please!!

                            Originally posted by cymruambyth View Post
                            As Pixie has said don't speak on the phone, there is no record and things can be 'misunderstood' by both sides ...... Refuse to answer their security questions, after a while as your confidence grows it can become quite a game dealing with them.
                            I love refusing to answer security questions - some DCA phone monkeys just don't know how to handle it.

                            The second they say "The phone calls will not stop until you do" you have them on harassment............
                            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                            The consumer is that sleeping giant.!!


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #74
                              Re: New member needing advice please!!

                              Thanks to everyone's support and advice so far!!
                              I have now cancelled our life and payment protection plans saving nearly £40.00 a month.
                              I have read many of the UE diaries. What an inspiring read!!!!!
                              In the New Year will need more advice and support please when I cancel DMP and start the UE route.
                              kind regards
                              Simon

                              Comment

                              • #75
                                Re: New member needing advice please!!

                                Originally posted by Max View Post
                                Thanks to everyone's support and advice so far!!
                                I have now cancelled our life and payment protection plans saving nearly £40.00 a month.
                                I have read many of the UE diaries. What an inspiring read!!!!!
                                In the New Year will need more advice and support please when I cancel DMP and start the UE route.
                                kind regards
                                Simon
                                Great start!! We're all here for you Max - no worries.
                                Remember the mantra:
                                NEVER communicate by 'phone.
                                Send EVERYTHING by Recorded/Special Delivery
                                Keep a copy of EVERYTHING sent
                                Keep hold of EVERYTHING received
                                PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                                Comment

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