New member needing advice please!!

[Pixie]

Re: New member needing advice please!!

I will, thanks Max!

[Max]

Re: New member needing advice please!!

Thanks Pixie and you enjoy Christmas too!!!!!

[Pixie]

Re: New member needing advice please!!

As P1 has said, we're here to help you along the UE route. Now sit back, relax and enjoy Christmas!

[PriorityOne]

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

Great start!! We're all here for you Max - no worries.

[Max]

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

[SaltnVinegar]

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 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............

[cymruambyth]

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.

[Pixie]

Re: New member needing advice please!!

Don't speak to them on the phone... everything in writing from now on.

[Max]

Re: New member needing advice please!!

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

[PriorityOne]

Re: New member needing advice please!!

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.

[Never-In-Doubt]

Re: New member needing advice please!!

I agree. That's bang out of order IMO

[SaltnVinegar]

Re: New member needing advice please!!

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.

[Max]

Re: New member needing advice please!!

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.

[odetter]

Re: New member needing advice please!!

Is the debt jointly or separately held?

[SaltnVinegar]

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.

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'?